Beeline Holdings Inc (BLNE)
NASDAQ:BLNE
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Beeline Holdings
(NASDAQ:BLNE)
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Rating:42Neutral
Price Target:
$2.00
▼(-27.01% Downside)
Action:ReiteratedDate:04/30/26
The score is driven primarily by weak financial performance—sharp revenue decline, very large losses, and heavy cash burn—partially offset by a materially improved balance sheet with low leverage. Technical indicators also point to ongoing bearish momentum, while valuation is constrained by ongoing losses and the absence of dividend support.
Positive Factors
Low leverage / stronger balance sheet
A materially de-risked balance sheet with negligible debt and a sizable equity base reduces refinancing and liquidity risk while providing a runway to support operations and strategic initiatives. This structural strength lowers bankruptcy risk and gives management flexibility to invest in growth or weather losses over multiple quarters.
Negative Factors
Severe cash burn
Persistent, large negative operating and free cash flows materially erode runway and force reliance on external capital to sustain operations. Even with low leverage, continued cash burn increases probability of dilutive financings or cutbacks, constraining the company's ability to invest in product scaling and realize long‑term revenue opportunities.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage / stronger balance sheet
A materially de-risked balance sheet with negligible debt and a sizable equity base reduces refinancing and liquidity risk while providing a runway to support operations and strategic initiatives. This structural strength lowers bankruptcy risk and gives management flexibility to invest in growth or weather losses over multiple quarters.
Read all positive factors
Beeline Holdings (BLNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$64.67M
Dividend YieldN/A
Average Volume (3M)596.07K
Price to Earnings (P/E)―
Beta (1Y)0.39
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees91
SectorFinancial
Sector Strength70
IndustryBeverages - Wineries & Distilleries
Share Statistics
EPS (TTM)-9.14
Shares Outstanding30,647,370
10 Day Avg. Volume511,421
30 Day Avg. Volume596,066
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.45
Price to Sales (P/S)3.13
P/FCF Ratio-1.12
Enterprise Value/Market Cap0.48
Enterprise Value/Revenue3.62
Enterprise Value/Gross Profit28.78
Enterprise Value/Ebitda-1.80
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.12
Revenue Forecast (FY)$27.98M
Beeline Holdings Business Overview & Revenue Model
Company Description
Beeline Holdings, Inc. engages in the fintech mortgage lending business. It servers property investors and buyers. The company was founded in 2019 and is based in Providence, Rhode Island....
How the Company Makes Money
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Beeline Holdings Earnings Call Summary
Earnings Call Date:Nov 06, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:May 18, 2026
Earnings Call Sentiment Positive
The earnings call highlighted significant growth in loan origination and positive cash flow achievements, supported by AI-driven efficiencies and expansion into new business areas like fractional equity sales. However, the company continues to face challenges with net losses and high operating expenses. Despite these challenges, the overall sentiment is cautiously optimistic, driven by strategic growth initiatives.Positive Updates
Positive Cash Flow Achievement
Beeline Loans, a subsidiary of Beeline Holdings, achieved its first positive cash flow month in October 2025, with an increase in monthly closed loan units by 91% since January 2025, while maintaining the same production payroll.
Negative Updates
Continued Net Losses
Reported a net loss of $4 million for Q3 and $15 million year-to-date, although this represents an improvement over previous quarters.
Read all updates
Q3-2025 Updates
Positive
Negative
Positive Cash Flow Achievement
Beeline Loans, a subsidiary of Beeline Holdings, achieved its first positive cash flow month in October 2025, with an increase in monthly closed loan units by 91% since January 2025, while maintaining the same production payroll.
Read all positive updates
Company Guidance
During the third quarter of 2025 earnings call for Beeline Holdings, significant guidance was provided regarding the company's financial trajectory and operational focus. Beeline Loans, a subsidiary of Beeline Holdings, achieved a positive cash flow month in October 2025, marking a 91% increase in closed loan units since January 2025, while maintaining stable production payroll. The company reported a 35% quarterly growth in lending originations, reaching $69.8 million in Q3, with 242 loan units closed. Beeline's strategic objective to be debt-free was realized in September, and the company is on track to achieve cash flow positivity by Q1 2026, which will eliminate the need for capital infusion to support operations in 2026. The effective Fed funds rate decreased to 3.9%, aiding mortgage demand, with lending revenue per closed file increasing from $6,400 in January to $8,828 in October. The company's AI-driven platform, including its AI sales agent Bob, significantly boosted lead conversion and mortgage applications, contributing to operational efficiency and growth. Additionally, Beeline expanded warehouse line capacity from $5 million to $25 million, supporting increased origination capacity. The launch of Beeline Equity, a fractional equity sale business leveraging blockchain technology, is expected to close approximately 30 transactions by year-end, with each transaction averaging $250,000 and yielding an 80% margin. Beeline anticipates further growth in Q4, buoyed by innovative technology and strategic investments.Beeline Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
52
Neutral
Cash Flow
14
Very Negative
| Breakdown | Dec 2025 | Mar 2025 | Dec 2023 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 7.77M | 3.91M | 10.50M | 13.88M | 12.39M |
| Gross Profit | 1.40M | 1.69M | 1.06M | 2.44M | 2.91M |
| EBITDA | -15.90M | -3.12M | -5.07M | -12.53M | -3.56M |
| Net Income | -22.12M | -11.33M | -7.54M | -16.27M | -2.20M |
Balance Sheet | |||||
| Total Assets | 70.22M | 66.52M | 17.48M | 21.48M | 33.56M |
| Cash, Cash Equivalents and Short-Term Investments | 3.06M | 391.00K | 403.00K | 723.00K | 3.28M |
| Total Debt | 15.00M | 14.18M | 13.89M | 19.01M | 18.84M |
| Total Liabilities | 16.61M | 17.55M | 16.63M | 22.99M | 20.16M |
| Stockholders Equity | 53.61M | 47.87M | 853.00K | -1.52M | 13.40M |
Cash Flow | |||||
| Free Cash Flow | -21.69M | -3.30M | -2.03M | -3.37M | -6.21M |
| Operating Cash Flow | -21.44M | -3.23M | -1.84M | -877.00K | -5.95M |
| Investing Cash Flow | -1.10M | -451.00K | 104.00K | -2.32M | 3.21M |
| Financing Cash Flow | 24.89M | 4.59M | 1.41M | 641.00K | 5.18M |
Beeline Holdings Technical Analysis
Positive
2.74
Price Trends
2.64
Negative
2.48
Negative
2.45
Negative
Market Momentum
-0.08
Negative
48.58
Neutral
61.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BLNE, the sentiment is Positive. The current price of 2.74 is above the 20-day moving average (MA) of 2.27, above the 50-day MA of 2.64, and above the 200-day MA of 2.45, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 48.58 is Neutral, neither overbought nor oversold. The STOCH value of 61.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BLNE.
Beeline Holdings Risk Analysis
Beeline Holdings disclosed 31 risk factors in its most recent earnings report. Beeline Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Beeline Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $86.03M | -6.38 | 0.38% | 0.90% | 4.89% | -71.27% | |
49 Neutral | $412.89M | -0.73 | -32.02% | 2.00% | -20.40% | -2543.31% | |
47 Neutral | $38.65M | -15.32 | -151.77% | ― | 32.56% | 10.67% | |
42 Neutral | $64.67M | -1.40 | -42.73% | ― | ― | ― | |
42 Neutral | $13.99M | 4.68 | -1.79% | ― | -6.50% | -33.75% |
* Financial Sector Average
BLNE
Beeline Holdings
2.11
0.67
46.53%
DIT
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89.36
12.55
16.34%
BRID
Bridgford Foods
7.70
-0.24
-3.02%
MGPI
MGP Ingredients
19.32
-11.67
-37.65%
WVVI
Willamette Valley Vineyards
2.81
-2.90
-50.79%
BRFH
Barfresh Food Group
2.40
-0.10
-4.00%
Beeline Holdings Corporate Events
Business Operations and StrategyFinancial Disclosures
Beeline Holdings Schedules Q1 2026 Stakeholder Update Call
Neutral
Apr 21, 2026
On April 21, 2026, Beeline Holdings, Inc. announced plans to host a stakeholder update call to discuss its financial results for the first quarter of 2026. Scheduled for May 14, 2026, at 5:00 p.m. ET, the call will be led by Chief Executive Office...
Business Operations and StrategyRegulatory Filings and Compliance
Beeline Holdings Retires Series A Preferred, Simplifies Capital
Positive
Mar 20, 2026
On March 18, 2026, Beeline Holdings, Inc. entered into an agreement with the holder of its Series A Convertible Redeemable Preferred Stock to exchange the remaining 4,425,102 preferred shares for 983,356 shares of common stock, based on the Series...
Business Operations and StrategyProduct-Related Announcements
Beeline Holdings Launches AI-Powered Self-Service Mortgage Platform
Positive
Mar 13, 2026
On March 13, 2026, Beeline Holdings announced the launch of its Self-Service Mortgage Experience, a new 24/7 digital pathway allowing eligible borrowers seeking conventional mortgages to explore personalized rate options and lock rates without spe...
Business Operations and StrategyFinancial DisclosuresProduct-Related Announcements
Beeline Launches Tokenized Fractional Home Equity Platform
Positive
Mar 12, 2026
On March 12, 2026, Beeline Holdings announced a strategic partnership with blockchain-based platform TYTL Corp. to launch BeelineEquity, a tokenized, deed-recorded fractional home equity product targeting U.S. residential properties valued at $1 m...
Business Operations and StrategyPrivate Placements and FinancingProduct-Related Announcements
Beeline Advances Real Estate Tokenization Through TYTL Partnership
Positive
Mar 11, 2026
On March 11, 2026, Beeline Holdings disclosed that related-party partner TYTL Corp. had closed a seed funding round led by Strobe Ventures with participation from Fifth Era and launched a Solana-based, blockchain-native platform for tokenizing fra...
Business Operations and StrategyPrivate Placements and Financing
Beeline Holdings Simplifies Capital Structure via Private Conversions
Positive
Feb 19, 2026
From January 28, 2026 through February 16, 2026, Beeline Holdings shareholders converted Series F, Series F-1, and Series G convertible preferred stock into a total of 94,476 shares of common stock. On February 5 and February 12, 2026, four warran...
Business Operations and StrategyExecutive/Board Changes
Beeline Holdings Adds Strategic Advisor for Digital Expansion
Positive
Feb 19, 2026
On February 19, 2026, Beeline Holdings appointed mortgage industry veteran Barry Levenson as Executive Strategic Advisor to support its technology-enabled, digital mortgage platform business. Levenson, who has more than 30 years of experience and ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.