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Beeline Holdings
(NASDAQ:BLNE)
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Rating:43Neutral
Price Target:
$0.67
▼(-31.53% Downside)
Action:Reiterated
Date:10/06/26
The score is held down primarily by weak financial fundamentals (large losses, negative gross profit, and heavy cash burn) and a bearish price trend (below all key moving averages with negative MACD). Positive corporate developments and improving operating trends provide some offset, but not enough to outweigh the current profitability and cash-flow risks.
Positive Factors
Improving operating trajectory
Expected record margins, stronger quarterly revenue, and a smaller net loss indicate that recent operating changes may be improving the business’s underlying trajectory. If sustained, this progress could narrow the path to breakeven, strengthen internal funding capacity, and improve resilience over the next several quarters.
Negative Factors
Severe unprofitability
The company remains far from sustainable profitability, with losses extending beyond the gross-profit line and a deeply negative net margin. This weak earnings base limits reinvestment capacity, makes operating improvements harder to sustain, and leaves results highly dependent on a successful turnaround.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving operating trajectory
Expected record margins, stronger quarterly revenue, and a smaller net loss indicate that recent operating changes may be improving the business’s underlying trajectory. If sustained, this progress could narrow the path to breakeven, strengthen internal funding capacity, and improve resilience over the next several quarters.
Read all positive factors
Beeline Holdings (BLNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$24.23M
Dividend YieldN/A
Average Volume (3M)370.38K
Price to Earnings (P/E)―
Beta (1Y)1.49
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees84
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)-2.66
Shares Outstanding34,832,540
10 Day Avg. Volume260,912
30 Day Avg. Volume370,376
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.45
Price to Sales (P/S)3.13
P/FCF Ratio-1.12
Enterprise Value/Market Cap1.96
Enterprise Value/Revenue4.66
Enterprise Value/Gross Profit-128.26
Enterprise Value/Ebitda-2.58
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.01
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:May 14, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Nov 12, 2026
Earnings Call Sentiment Neutral
The call conveyed meaningful operational progress and validation of strategic initiatives (notably accelerating revenue growth, validated BeelineEquity workflow, early AI-driven conversion improvements, and announced cost reductions). However, the company remains unprofitable with negative adjusted EBITDA, limited cash on hand ($1.9M), quarterly cash burn ($3.6M), and dependence on short-term capital levers while scaling new, capital-light revenue streams. The narrative is constructive about trajectory but balanced by near-term liquidity and execution risks.Positive Updates
Revenue Growth
Total revenue rose to $2.7 million in Q1 FY2026 from $1.4 million in the prior-year period, an increase of approximately 93% YoY, driven by gains on sale ($1.8M), origination fees ($395k), Title ($380k) and initial BeelineEquity contribution (~$50k).
Negative Updates
Continued GAAP Losses and Negative Adjusted EBITDA
Despite improvements, the company remains unprofitable: net loss of $5.3M and adjusted EBITDA loss of $3.0M in Q1, meaning material losses continue while scale and margin expansion are pursued.
Read all updates
Q1-2026 Updates
Positive
Negative
Revenue Growth
Total revenue rose to $2.7 million in Q1 FY2026 from $1.4 million in the prior-year period, an increase of approximately 93% YoY, driven by gains on sale ($1.8M), origination fees ($395k), Title ($380k) and initial BeelineEquity contribution (~$50k).
Read all positive updates
Company Guidance
The company guided toward continued revenue growth, a higher-margin mix and improving operating leverage with a target $100 million revenue run rate by end-2027, and said it is targeting a meaningful reduction in monthly cash burn in 2026 driven in part by run-rate cost cuts of ≈$210k/month (≈$2.5M/year). Q1 was presented as a step forward—total revenue $2.7M (vs. $1.4M prior year) with gain on sale $1.8M, origination fees $395k, Title $380k, BeelineEquity ~$50k and other $51k—while operating expenses were $7.9M (incl. ≈$1M stock comp), compensation $3M, G&A $1.9M, marketing $1M, loss from operations $5.2M and net loss $5.3M. Adjusted EBITDA was a loss of $3.0M, improving from a $3.8M loss (narrowing $800k, or 21% YoY). Balance sheet and liquidity priorities include reducing cash burn (Q1 operating cash used $3.6M), managing cash of $1.9M, loans held for sale $17.3M, equity ≈$51M, no corporate debt, and tapping capital levers used in Q1 (HELOC ~$945k drawdowns and ATM ~$447k). Product and tech guidance: scale BeelineEquity (unit economics ~3.5% of transaction value + Title revenue ≈$1,500/close; revenue-neutral to interest rates; initial scaling expected in coming quarters/Q3), sharpen mix toward DSCR (margins ≈4%), bank-statement and non‑QM (40–50% higher revenue per transaction than conventional), expand AI/automation (Bob chatbot +8% lead-to-lock; self‑service flow +131% app-to-lock pull‑through), and expect both net loss and adjusted EBITDA to continue improving as cost cuts and higher‑margin, capital‑light revenue scale.Beeline Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
42
Neutral
Cash Flow
20
Very Negative
| Breakdown | TTM | Dec 2025 | Mar 2025 | Dec 2023 | Mar 2023 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.21M | 7.77M | 3.91M | 3.79M | 13.88M | 12.39M |
| Gross Profit | -371.00K | 1.40M | 1.69M | -196.00K | 2.44M | 2.91M |
| EBITDA | -18.41M | -17.08M | -3.12M | -3.54M | -12.53M | -3.56M |
| Net Income | -20.54M | -22.12M | -11.33M | -7.54M | -16.27M | -2.20M |
Balance Sheet | ||||||
| Total Assets | 62.92M | 70.22M | 66.52M | 17.48M | 21.48M | 33.56M |
| Cash, Cash Equivalents and Short-Term Investments | 34.00K | 3.06M | 391.00K | 403.00K | 723.00K | 3.28M |
| Total Debt | 10.75M | 15.00M | 14.18M | 13.89M | 19.01M | 18.84M |
| Total Liabilities | 12.44M | 16.61M | 17.55M | 16.63M | 22.99M | 20.16M |
| Stockholders Equity | 50.48M | 53.61M | 47.87M | 853.00K | -1.52M | 13.40M |
Cash Flow | ||||||
| Free Cash Flow | -17.60M | -21.69M | -3.30M | -2.03M | -3.37M | -6.21M |
| Operating Cash Flow | -17.32M | -21.44M | -3.23M | -1.84M | -877.00K | -5.95M |
| Investing Cash Flow | -1.34M | -1.10M | -451.00K | 104.00K | -2.32M | 3.21M |
| Financing Cash Flow | 13.88M | 24.89M | 4.59M | 1.41M | 641.00K | 5.18M |
Beeline Holdings Technical Analysis
Negative
0.98
Price Trends
0.97
Negative
1.05
Negative
1.75
Negative
Market Momentum
-0.08
Positive
23.95
Positive
9.09
Positive
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 0.98 is above the 20-day moving average (MA) of 0.88, above the 50-day MA of 0.97, and below the 200-day MA of 1.75, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 23.95 is Positive, neither overbought nor oversold. The STOCH value of 9.09 is Positive, 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% | |
51 Neutral | $307.51M | -1.28 | -35.26% | 3.34% | -17.95% | -3524.49% | |
44 Neutral | $61.61M | 43.53 | 1.58% | 1.07% | 7.48% | 37.98% | |
43 Neutral | $24.23M | -0.26 | -39.73% | ― | ― | ― | |
43 Neutral | $9.71M | -2.12 | -3.34% | ― | -1.65% | -70.30% | |
43 Neutral | $12.23M | -3.30 | -295.15% | ― | 82.08% | -12.26% |
* Financial Sector Average
BLNE
Beeline Holdings
0.70
-2.26
-76.44%
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MGPI
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WVVI
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BRFH
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Beeline Holdings Corporate Events
Business Operations and StrategyFinancial Disclosures
Beeline Holdings Schedules Q3 2026 Stakeholder Update Call
Neutral
Oct 7, 2026
On Oct. 7, 2026, Beeline Holdings, Inc. announced plans to host a stakeholder update call to discuss its financial results for the third quarter of 2026. The call is scheduled for Thursday, Nov. 12, 2026, at 5 PM ET and will be led by Chief Execut...
Business Operations and StrategyFinancial DisclosuresProduct-Related Announcements
Beeline Reports Strong Q3 Results and Improved Profitability
Positive
Oct 6, 2026
On October 6, 2026, Beeline reported preliminary third-quarter 2026 results indicating its revenue is set to be the second-highest in its history and the strongest since 2021, alongside record margins. The company also expects a smaller net loss t...
Business Operations and StrategyProduct-Related Announcements
Beeline Launches Bizumentary Highlighting Niche Mortgage Solutions
Positive
Sep 23, 2026
On September 23, 2026, Beeline Holdings announced that its new “Bizumentary,” produced with Emmy Award-winning Loft 100 Studios, will premiere on September 24 at 9 p.m. ET on BizTV, YouToo America, YTA TV and American Forces Network, s...
Business Operations and StrategyFinancial DisclosuresProduct-Related Announcements
Beeline Holdings Launches New Mortgage Rate Optimization Program
Positive
Sep 22, 2026
Beeline Holdings, Inc. is a Nasdaq-listed, technology-focused mortgage lender and home equity platform that aims to streamline home financing through proprietary technology and artificial intelligence. The firm concentrates on innovative mortgage ...
Business Operations and Strategy
Beeline Partners with Loft 100 on Mortgage Bizumentary
Positive
Sep 18, 2026
On September 18, 2026, Beeline Holdings announced a collaboration with Emmy Award-winning Loft 100 Studios to produce a “Bizumentary” exploring the mortgage and housing crisis, affordability challenges and evolving conditions for Ameri...
Executive/Board ChangesPrivate Placements and FinancingShareholder Meetings
Beeline Holdings Shareholders Approve Directors and Financing Flexibility
Positive
Aug 21, 2026
On August 17, 2026, Beeline Holdings, Inc. held its 2026 Annual Meeting of Stockholders, where shareholders elected five directors—Nicholas R. Liuzza, Jr., Joseph Caltabiano, Joseph Freedman, Francis Knuettel II, and Stephen Romano—to ...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsPrivate Placements and Financing
Beeline CEO Boosts Investment, Signaling Confidence in Growth
Positive
Aug 12, 2026
On August 12, 2026, Beeline announced that Chief Executive Officer Nicholas Liuzza invested an additional $500,000 in the company via a board-approved convertible note that will automatically convert into common stock on August 19, 2026 at the hig...
Private Placements and Financing
Beeline Holdings Enters New Short-Term Promissory Note Agreement
Neutral
Aug 6, 2026
On July 31, 2026, Beeline Holdings, Inc. issued a $350,000 promissory note to WVP Emerging Manager Onshore Fund LLC – C/M Capital Series for a purchase price of $300,000, reflecting a $50,000 original issue discount, with a 9% annual interes...
Business Operations and StrategyM&A Transactions
Beeline Holdings Plans Merger to Build Home Equity Platform
Positive
Aug 3, 2026
On July 28, 2026, Beeline Holdings entered a non-binding letter of intent to merge in an all-stock deal with TYTL, aiming to combine Beeline’s AI-enabled mortgage, lending, title and settlement platform with TYTL’s blockchain-based res...
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.