Bloomia Holdings (TULP) AI Stock Analysis

• Market Cap: $6.86M
• Dividend Yield: N/A
• Average Volume (3M): 2.56K
• Price to Earnings (P/E): ―
• Beta (1Y): >-0.01
• Revenue Growth: 95.23%
• EPS Growth: 34.97%
• Country: US
• Employees: 103
• Sector: Communication Services
• Sector Strength: 97
• Industry: Advertising Agencies
• EPS (TTM): -1.29
• Shares Outstanding: 1,773,119
• 10 Day Avg. Volume: 1,451
• 30 Day Avg. Volume: 2,557
• PEG Ratio: 0.05
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 0.13
• P/FCF Ratio: -1.60
• Enterprise Value/Market Cap: 17.78
• Enterprise Value/Revenue: 2.57
• Enterprise Value/Gross Profit: 12.65
• Enterprise Value/Ebitda: 95.62
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $4.00 ▲(12.68% Upside)
• Action: Reiterated Date: 02/20/26
• Date: Action: Reiterated 02/20/26

The score is weighed down primarily by high financial risk (heavy leverage and ongoing cash burn) despite improving operating performance. Technical indicators are neutral-to-weak with oversold signals but limited momentum confirmation, and valuation is constrained by negative earnings and no dividend support.

Positive Factors

Revenue Growth

Sustained near-term top-line growth (TTM revenue to ~$47.5M) reflects demand expansion and scale in core lending operations. Durable revenue gains improve the company's ability to cover fixed costs and provide a runway to convert operating improvements into lasting profitability.

Operational Efficiency / Automation

Management-driven efficiency investments (automation) produced materially better operating outcomes. Structural productivity gains lower unit costs, raise sustainable EBITDA margins, and reduce reliance on incremental revenue to achieve break-even, supporting longer-term cash conversion if maintained.

Access to Capital (Rights Offering)

A completed rights offering would materially strengthen near-term liquidity and funding capacity, reducing refinancing urgency. Fresh capital supports operating investments and working capital needs, enabling the firm to pursue efficiency initiatives without immediately increasing leverage risk.

Negative Factors

Heavy Leverage

Extremely high leverage creates structural financial fragility: large interest and principal obligations magnify earnings volatility, limit strategic flexibility, and raise refinancing and covenant risk, especially if rates, defaults, or collateral values deteriorate over a multi-month horizon.

Negative Cash Generation

Persistent negative operating and free cash flow indicate the business still consumes cash to fund operations. Without durable cash conversion improvements, the firm will remain dependent on external financing, increasing dilution or leverage and constraining long-term reinvestment capacity.

Bottom-line Losses

Negative net margins despite revenue growth limit retained earnings accumulation and capital formation. Continued losses force reliance on debt/equity raises, weaken credit metrics, and hinder the firm's ability to self-fund growth or withstand cyclical downturns over the coming months.

Bloomia Holdings Business Overview & Revenue Model

Company Description

Lendway, Inc. engages in the provision of in-store and digital advertising solutions. It serves the consumer-packaged goods (CPG) manufacturers, retailers, shopper marketing agencies, and brokerages markets. The company was founded in 1990 and is headquartered in Minneapolis, MN.

How the Company Makes Money

Lendway generates revenue primarily through the interest charged on loans provided to SMEs. The company employs a digital platform to facilitate the loan application process, allowing for efficient underwriting and risk assessment, which enables competitive interest rates. Key revenue streams include origination fees, servicing fees, and interest income from the loans disbursed. Additionally, Lendway partners with financial institutions to offer co-branded lending solutions, expanding its reach and customer base while earning commission on loans facilitated through these partnerships.

Bloomia Holdings Financial Statement Overview

Summary

Operating trends improved (revenue up and EBITDA turned positive), but overall fundamentals remain weak: still loss-making at the net level, highly levered balance sheet (very high debt vs. equity), and negative operating/free cash flow indicating ongoing cash burn.

Income Statement

TTM (Trailing-Twelve-Months) revenue rose to ~$47.5M with strong reported growth versus the prior year, and profitability improved meaningfully from 2024 as EBITDA turned positive (~2.7% margin) and operating losses narrowed. However, the business is still unprofitable at the bottom line (TTM net margin about -7.6%) with negative operating profit, and margins remain thin for the industry—leaving limited cushion if demand softens or costs rise.

Balance Sheet

Leverage is the key weakness: TTM total debt is ~$116.4M against only ~$7.1M of equity, implying very high balance-sheet risk (debt-to-equity ~16x). Return on equity is deeply negative in TTM, reflecting ongoing losses on a small equity base. While total assets are sizable (~$105.6M), the capital structure is heavily debt-funded, which can constrain flexibility and raise refinancing/interest-rate sensitivity.

Cash Flow

Cash generation remains pressured: TTM operating cash flow is negative (~-$3.4M) and free cash flow is also negative (~-$3.8M), indicating the business is still consuming cash. Free cash flow deterioration versus the prior period adds concern. A positive relationship between free cash flow and net loss in TTM largely reflects losses rather than strong cash conversion, and the company likely needs improved operating performance (or financing) to sustainably fund operations.

Breakdown	Dec 2025	Dec 2024	Mar 2024	Dec 2022	Dec 2021
Income Statement
Total Revenue	47.51M	37.77M	0.00	0.00	19.50M
Gross Profit	9.64M	6.45M	-7.00K	0.00	3.23M
EBITDA	1.28M	-3.63M	-2.99M	-2.29M	-3.40M
Net Income	-3.63M	-5.74M	-547.00K	10.05M	-3.53M
Balance Sheet
Total Assets	105.61M	99.98M	16.67M	20.97M	10.65M
Cash, Cash Equivalents and Short-Term Investments	1.21M	1.76M	16.28M	14.52M	3.85M
Total Debt	116.36M	104.39M	10.00K	284.00K	292.00K
Total Liabilities	96.67M	88.09M	1.14M	7.57M	7.46M
Stockholders Equity	7.12M	9.84M	15.53M	13.40M	3.19M
Cash Flow
Free Cash Flow	-3.84M	-5.22M	479.00K	10.66M	-3.11M
Operating Cash Flow	-3.42M	-4.05M	518.00K	10.66M	-3.00M
Investing Cash Flow	-416.00K	-35.15M	1.51M	-29.00K	-90.00K
Financing Cash Flow	2.74M	24.88M	-473.00K	39.00K	-187.00K

Bloomia Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TULP, the sentiment is Negative. The current price of 3.55 is below the 20-day moving average (MA) of 4.25, below the 50-day MA of 3.90, and below the 200-day MA of 4.55, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 45.22 is Neutral, neither overbought nor oversold. The STOCH value of 31.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TULP.

Bloomia Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
CNET	44 Neutral	$2.67M	-0.93	-50.26%	―	-66.59%	67.63%
TULP	43 Neutral	$6.86M	-2.67	―	―	95.23%	34.97%
DRCT	43 Neutral	$2.41M	-0.01	―	―	-62.46%	-12.90%
TNMG	41 Neutral	$7.82M	-0.05	-164.27%	―	4.59%	-920.22%
YDKG	25 Underperform	$5.07M	>-0.01	-113.86%	―	2482.80%	-169.59%