Beeline Holdings (BLNE) AI Stock Analysis

• Market Cap: $56.90M
• Dividend Yield: N/A
• Average Volume (3M): 545.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.33
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 91
• Sector: Financial
• Sector Strength: 70
• Industry: Beverages - Wineries & Distilleries
• EPS (TTM): -0.19
• Shares Outstanding: 27,755,040
• 10 Day Avg. Volume: 423,682
• 30 Day Avg. Volume: 545,865
• PEG Ratio: <0.01
• Price to Book (P/B): 0.05
• Price to Sales (P/S): 0.61
• P/FCF Ratio: -0.72
• Enterprise Value/Market Cap: 1.49
• Enterprise Value/Revenue: 13.28
• Enterprise Value/Gross Profit: 18.72
• Enterprise Value/Ebitda: -9.12
• 1Y Price Target: $4.50
• Price Target Upside: 103.62% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 50 Neutral
• Price Target: $2.00 ▼(-9.50% Downside)

The score is held down primarily by weak financial performance (large losses, declining revenue, and worsening free cash flow), which outweighs the more encouraging forward-looking narrative. Offsetting factors include improving (but not fully bullish) technicals and a relatively positive earnings call focused on cash-flow progress and being debt-free, plus supportive corporate actions around funding and capacity expansion. Valuation is difficult to support with a negative P/E and no dividend yield data.

Positive Factors

Debt-free balance sheet

Achieving a debt-free balance sheet materially lowers financial risk and interest burden, giving management durable flexibility to fund growth initiatives, absorb cyclical mortgage volatility, and delay external financing. This strengthens the firm's resilience over the next several quarters.

AI-driven origination efficiency

A six- to eight-fold lift in conversion from a proprietary AI agent signals a sustainable, scalable customer-acquisition advantage. Lower incremental sales costs and higher conversion rates can structurally improve unit economics and enable profitable volume growth as origination capacity scales.

Expanded warehouse lending capacity

A fivefold increase in warehouse capacity materially raises the firm's ability to originate loans without immediate external funding constraints. This structural capacity expansion supports sustained origination growth and revenue diversification across lending, title, and home-equity products.

Negative Factors

Severe unprofitability and revenue decline

Deep negative margins and falling revenue indicate structural issues converting product demand into sustainable profit. Persistent large losses erode capital, limit reinvestment, and raise the need for recurring external funding or dilution unless operating leverage and revenue trends materially improve.

Deteriorating free cash flow

A sharp decline in free cash flow growth constrains the company's ability to fund operations and strategic projects internally. Over several quarters this increases liquidity risk, reduces optionality for product investment, and may force reliance on equity raises or costly financing.

High operating expenses and weak shareholder returns

Elevated operating expenses alongside deeply negative ROE signal structural inefficiency: management must compress costs or improve margins to generate shareholder returns. Without sustained operating leverage, high fixed costs will continue to depress profitability even as revenue recovers.

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

Beeline Holdings generates revenue through multiple streams, including subscription-based services, transaction fees, and strategic partnerships. The company offers technology solutions that facilitate communication and logistics, charging clients a monthly fee for access to its platforms. Additionally, BLNE capitalizes on transaction fees generated from its logistics and e-commerce services. Strategic partnerships with other technology firms and service providers enhance its service offerings, allowing for cross-promotional opportunities and expanding its market reach, thereby contributing significantly to its overall earnings.

Beeline Holdings Financial Statement Overview

Summary

The financial performance is weak, with significant challenges in profitability and growth. The income statement shows negative margins and declining revenue. The balance sheet has low leverage but negative returns on equity. Cash flow analysis indicates a sharp decline in free cash flow, raising concerns about liquidity and operational efficiency.

Income Statement

The income statement shows significant challenges with profitability and growth. The company has a negative net profit margin of -223.49% and a declining revenue growth rate of -15.52% TTM, indicating a struggle to generate profit from its operations. The EBIT and EBITDA margins are also negative, reflecting operational inefficiencies. Despite these challenges, the gross profit margin of 39.19% TTM suggests some ability to cover direct costs, but overall, the financial health is weak.

Balance Sheet

The balance sheet presents a mixed picture. The debt-to-equity ratio of 0.24 TTM indicates a relatively low level of leverage, which is positive. However, the return on equity is negative at -74.47% TTM, highlighting the company's inability to generate returns for shareholders. The equity ratio of 79.65% TTM suggests a strong equity base relative to total assets, but the negative ROE and historical volatility in equity levels raise concerns about financial stability.

Cash Flow

Cash flow analysis reveals significant issues with cash generation. The free cash flow growth rate is -66.44% TTM, indicating a sharp decline in cash available for reinvestment or debt repayment. The operating cash flow to net income ratio of 0.33 TTM shows limited cash generation relative to net losses. Although the free cash flow to net income ratio is close to 1, the overall cash flow situation is precarious, reflecting operational and financial challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.37M	3.91M	10.50M	13.88M	12.39M	14.01M
Gross Profit	4.52M	1.69M	1.06M	2.44M	2.91M	3.62M
EBITDA	-9.28M	-3.12M	-5.07M	-12.53M	-3.56M	-6.37M
Net Income	-19.45M	-11.33M	-7.54M	-16.27M	-2.20M	-9.86M
Balance Sheet
Total Assets	68.57M	66.52M	17.48M	21.48M	33.56M	31.73M
Cash, Cash Equivalents and Short-Term Investments	6.28M	391.00K	403.00K	723.00K	3.28M	836.00K
Total Debt	8.70M	14.18M	13.89M	19.01M	18.84M	13.26M
Total Liabilities	13.02M	17.55M	16.63M	22.99M	20.16M	32.84M
Stockholders Equity	54.62M	47.87M	853.00K	-1.52M	13.40M	-1.11M
Cash Flow
Free Cash Flow	1.59M	-3.30M	-2.03M	-3.37M	-6.21M	-3.53M
Operating Cash Flow	1.72M	-3.23M	-1.84M	-877.00K	-5.95M	-3.01M
Investing Cash Flow	-487.00K	-451.00K	104.00K	-2.32M	3.21M	137.00K
Financing Cash Flow	14.47M	4.59M	1.41M	641.00K	5.18M	3.36M

Beeline Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2.21
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 2.21 is above the 20-day moving average (MA) of 1.94, above the 50-day MA of 1.98, and above the 200-day MA of 1.95, indicating a bullish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 58.60 is Neutral, neither overbought nor oversold. The STOCH value of 51.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BLNE.

Beeline Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MGPI	57 Neutral	$527.25M	-37.23	-1.70%	2.00%	-21.53%	-113.89%
DIT	51 Neutral	$70.90M	118.10	0.51%	0.90%	3.90%	-87.36%
BLNE	50 Neutral	$56.90M	-0.06	―	―	―	―
BRFH	49 Neutral	$51.50M	-16.85	-167.45%	―	17.48%	0.77%
WVVI	45 Neutral	$14.30M	-4.14	-1.79%	―	-4.82%	-14.60%

Beeline Holdings Corporate Events

Beeline Holdings Positions for Growth Amid Mortgage Support

On January 13, 2026, Beeline Holdings, Inc. announced that it is applauding President Trump’s plan for Freddie Mac and Fannie Mae to purchase $200 billion in agency mortgage-backed securities, an intervention the company believes could lower mortgage rates, improve affordability, and stimulate both purchase and refinance activity across the U.S. housing market, particularly for first-time homebuyers. Management highlighted that Beeline enters 2026 with a debt-free balance sheet and revenue growth of more than 100% versus fiscal 2024 despite a subdued housing environment, and indicated it is positioned to capitalize on any pickup in mortgage demand through its lending, title, and blockchain-enabled home equity offerings, underpinned by proprietary AI developed over the past six years.

The most recent analyst rating on (BLNE) stock is a Buy with a $4.50 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Adopts Amended and Restated Corporate Bylaws

On December 30, 2025, Beeline Holdings, Inc. announced that its Board of Directors approved and adopted Amended and Restated Bylaws for the company. The governance change updates the company’s internal rules and procedures at the board level, signaling a formal adjustment to its corporate framework that may affect how management and oversight are structured going forward.

The most recent analyst rating on (BLNE) stock is a Buy with a $4.50 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Closes $7.4M Direct Offering

On November 17, 2025, Beeline, a digital mortgage lender, announced the closure of a $7.4 million registered direct offering with three funds taking a long position in the company. The company indicated it does not anticipate needing additional cash to reach its cash flow positive target by Q1 2026, having already achieved cash flow positivity in October. Beeline is focusing on enhancing shareholder value by planning to redeem Series A preferred shares in 2026 and has recently redeemed Series E preferred shares, preventing the issuance of 800,000 common stock shares.

The most recent analyst rating on (BLNE) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Redeems Series E Preferred Stock

On November 12, 2025, Beeline Holdings, Inc. redeemed all outstanding shares of its Series E Convertible Preferred Stock by paying $2 million to the holders. This action eliminates the company’s obligation to issue 800,000 shares of common stock, potentially impacting its financial structure and shareholder equity.

The most recent analyst rating on (BLNE) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Announces $7.4M Stock Offering

On November 11, 2025, Beeline Holdings, Inc. announced a registered direct offering of 4,620,000 shares of common stock at $1.60 per share, raising approximately $7.4 million. The proceeds will be used for general corporate purposes and to redeem Series E Preferred Stock, enhancing shareholder value through non-dilutive execution. The company achieved cash flow positivity in October and aims for company-wide cash flow positivity by Q1 2026. With a debt-free balance sheet and a scalable lending model, Beeline is positioned for sustained profitability, driven by its AI-driven SaaS mortgage origination platform, which has seen significant revenue growth in 2025.

The most recent analyst rating on (BLNE) stock is a Hold with a $2.00 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Achieves Record Loan Volume Amid Rate Cut

On October 30, 2025, Beeline, a digital mortgage lender, announced a record day with 21 loans locked and nearly $8 million in locked volume, coinciding with the Federal Reserve’s rate cut announcement. This achievement is a positive indicator for Beeline’s revenue in the coming months, as the company aims to be cash-flow positive by Q1 2026. Beeline’s AI-driven platform is poised for growth in a favorable market environment, and the company recently introduced a new fractional sale-of-equity product to enhance liquidity for homeowners. The company is in a strong position with multiple revenue streams gaining momentum, reflecting its resilience through challenging market conditions.

The most recent analyst rating on (BLNE) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Agrees to Redeem Series E Shares

On October 22, 2025, Beeline Holdings, Inc. entered into an agreement with two investors for the redemption of their Series E Preferred Stock in exchange for a cash payment. This agreement is contingent upon the effectiveness of a registration statement related to the company’s equity line of credit, with a payment deadline set for November 13, 2025. If there are delays in the registration process, investors can choose to revert to their Series E shares or extend the payment deadline to December 1, 2025, with an additional $100,000 premium paid by the company.

The most recent analyst rating on (BLNE) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Launches Blockchain Home Equity Platform

On October 27, 2025, Beeline Holdings announced the launch of the nation’s first blockchain-powered home equity platform, BeelineEquity. This platform allows homeowners to access liquidity from their home equity without incurring debt or monthly payments, with transactions securely recorded on blockchain. The initial rollout included five completed transactions, with more planned, indicating strong demand for alternatives to traditional home equity loans. Beeline’s 2026 expansion aims to tap into the significant residential equity market, particularly targeting Baby Boomers, with the potential to generate substantial revenue.

The most recent analyst rating on (BLNE) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Announces Stakeholder Update Call

On October 24, 2025, Beeline Holdings announced it will host a stakeholder update call on November 10, 2025, to discuss its third-quarter financial results. The call, led by CEO Nick Liuzza and CFO Chris Moe, will cover the company’s performance and ongoing initiatives, reflecting Beeline’s commitment to transparency and engagement with stakeholders.

The most recent analyst rating on (BLNE) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.

Beeline Holdings Expands Warehouse Lending Capacity Significantly

On October 16, 2025, Beeline Holdings announced a significant expansion of its warehouse lending capacity from $5 million to $25 million, facilitated by new partnerships with Customers Bank and Northpointe Bank, alongside an expanded facility with First Funding. This expansion supports Beeline’s rapid growth in loan origination, which has increased over 30% per quarter in 2025, and positions the company to achieve cash-flow-positive operations by January 2026. Additionally, Beeline is advancing its fractional equity sale product using blockchain technology, aimed at providing liquidity for equity-rich homeowners.

The most recent analyst rating on (BLNE) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on Beeline Holdings stock, see the BLNE Stock Forecast page.