Beeline Holdings Inc (BLNE)
NASDAQ:BLNE
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Beeline Holdings
(NASDAQ:BLNE)
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Rating:47Neutral
Price Target:
$2.50
â–¼(-8.76% Downside)
Action:ReiteratedDate:04/01/26
The score is held down primarily by weak financial performance (sharp revenue decline, very large losses, and heavy cash burn) and bearish technicals (below major moving averages with negative MACD). The earnings call provides a meaningful offset with improving operating momentum and guidance toward cash-flow positivity, but valuation metrics provide little support based on the data provided.
Positive Factors
Balance Sheet Strength
Becoming debt-free materially reduces leverage and interest burden, improving financial flexibility to invest in warehouse capacity, product development, and growth initiatives without near-term refinancing pressure. This structural improvement lowers insolvency risk and supports scaling over coming quarters.
Negative Factors
Severe Cash Burn
Large negative operating cash flow is a structural risk: persistent cash burn constrains runway, forces reliance on external funding or equity actions, and limits ability to invest for growth until positive, sustainable cash generation is achieved across core lending and title operations.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Becoming debt-free materially reduces leverage and interest burden, improving financial flexibility to invest in warehouse capacity, product development, and growth initiatives without near-term refinancing pressure. This structural improvement lowers insolvency risk and supports scaling over coming quarters.
Read all positive factors
Beeline Holdings (BLNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$68.65M
Dividend YieldN/A
Average Volume (3M)565.87K
Price to Earnings (P/E)―
Beta (1Y)0.42
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees91
SectorFinancial
Sector Strength70
IndustryBeverages - Wineries & Distilleries
Share Statistics
EPS (TTM)-0.36
Shares Outstanding30,647,370
10 Day Avg. Volume452,128
30 Day Avg. Volume565,872
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)0.45
Price to Sales (P/S)3.13
P/FCF Ratio-1.10
Enterprise Value/Market Cap0.47
Enterprise Value/Revenue3.84
Enterprise Value/Gross Profit7.53
Enterprise Value/Ebitda-1.91
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....
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 | -22.14M | -3.30M | -2.03M | -3.37M | -6.21M |
| Operating Cash Flow | -22.12M | -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
Negative
2.74
Price Trends
2.74
Negative
2.45
Negative
2.43
Negative
Market Momentum
-0.14
Negative
42.52
Neutral
58.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BLNE, the sentiment is Negative. The current price of 2.74 is above the 20-day moving average (MA) of 2.36, above the 50-day MA of 2.74, and above the 200-day MA of 2.43, indicating a bearish trend. The MACD of -0.14 indicates Negative momentum. The RSI at 42.52 is Neutral, neither overbought nor oversold. The STOCH value of 58.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
53 Neutral | $85.01M | 14.36 | 0.90% | 0.90% | 3.90% | -87.36% | |
52 Neutral | $46.31M | -15.32 | -151.77% | ― | 17.48% | 0.77% | |
50 Neutral | $400.99M | -4.82 | -13.30% | 2.00% | -21.53% | -113.89% | |
47 Neutral | $68.65M | ― | -42.73% | ― | ― | ― | |
42 Neutral | $12.45M | -16.52 | -1.79% | ― | -4.82% | -14.60% |
* Financial Sector Average
BLNE
Beeline Holdings
2.24
0.77
52.38%
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Beeline Holdings Corporate Events
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 ...
Business Operations and StrategyProduct-Related Announcements
Beeline Holdings Integrates BLINKQC with ICE Encompass Platform
Positive
Feb 3, 2026
On February 3, 2026, Beeline Holdings announced an agreement with Stellar Innovations to integrate its proprietary BLINKQC digital quality control platform into ICE Mortgage Technology’s Encompass loan origination system, which is used by ab...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
Beeline Holdings Amends Preferred Stock and Converts Shares
Positive
Jan 30, 2026
On January 27–29, 2026, Beeline Holdings, Inc. amended the terms of its Series A Convertible Redeemable Preferred Stock, allowing the holder to convert up to 2,000,000 additional Series A shares into common stock at a higher conversion price...
Business Operations and StrategyFinancial Disclosures
Beeline Holdings Schedules Q4 2025 Stakeholder Update Call
Neutral
Jan 29, 2026
On January 29, 2026, Beeline Holdings, Inc. announced it will host a stakeholder update call to discuss its fourth-quarter 2025 financial results on March 30, 2026, at 5:00 p.m. ET. The call, led by CEO Nick Liuzza and CFO Chris Moe, will review t...
Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresM&A TransactionsPrivate Placements and Financing
Beeline Holdings Highlights Transformational Growth and Nasdaq Listing
Positive
Jan 15, 2026
In a January 15, 2026 letter to shareholders, Beeline Holdings’ CEO highlighted a pivotal 2025 in which the company more than doubled revenue versus 2024, strengthened its balance sheet to over $50 million in equity with no debt excluding wa...
Business Operations and StrategyFinancial Disclosures
Beeline Holdings Positions for Growth Amid Mortgage Support
Positive
Jan 13, 2026
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...
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.