Beeline Holdings, Inc. (BLNE) AI Stock Analysis

Beeline Holdings, Inc. operates in two segments, Beeline Loans and Beeline Title Holdings, engaging in the fintech mortgage lending business in the United States. The company provides digital consumer real estate financing using proprietary AI, streamlined task-based processing, data integrations, and human capital to originate, evaluate, approve, and close mortgages, fractional equity purchases, and title insurance. Its platform includes Bob, an AI chatbot for customer inquiries, BlinkQC, a SaaS tool for ingesting and validating loan documents, and BeelineEquity, a fractional equity product. It also provides pre-qualification, document verification, servicing, and title closing services.

Beeline Holdings reported revenue of $7.8M in FY2025, up 98.6% from $3.9M in FY2024, although its 5-year revenue CAGR from FY2020 to FY2025 was -11.1%. Operating margin in FY2025 was -247.4% and net income was -$22.1M, compared to net income of -$11.3M in FY2024 and -$7.5M in FY2023. Over the trailing twelve months, revenue reached $10.8M with a profit margin of -199.5% and an operating margin of -155.5%. For the latest quarter ended June 30, 2026, quarterly revenue grew 60.1% year-over-year.

As of June 30, 2026, Beeline Holdings held $34,000 in cash and short-term investments alongside total debt of $10.7M, resulting in net debt of $10.7M. The company reported shareholders' equity of $50.5M, total assets of $62.9M, a current ratio of 1.07, and a debt-to-equity ratio of 0.21. Operating cash flow in FY2025 was -$21.4M, leading to free cash flow of -$21.7M. FY2025 cash uses included $246,000 for capital expenditures, $2.0M for share buybacks, and $6.8M in dividends paid.

Beeline Holdings trades at a forward P/E of 5.5x, an EV-to-revenue multiple of 3.8x, and a price-to-sales multiple of 2.4x. By comparison, the median of its US-listed Financial Services peers trades at a forward P/E of 10.8x and a price-to-sales ratio of 3.2x. The stock has a price-to-book ratio of 0.6x. Over the past year, BLNE fell 74.9%, underperforming the 16.8% return of the S&P 500. Over a 5-year period, the stock declined 99.9%, compared to an 83.0% gain for the S&P 500.

Wall Street analyst coverage consists of 1 Strong Buy, 0 Buy, 0 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target is $4.50, representing a 475.4% increase over the last close of $0.78. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $28.0M and EPS of -$0.01. For the next fiscal year, 1 analyst estimates revenue of $63.4M and EPS of $0.47. The company beat EPS estimates in 2 of the last 4 quarters, and the next earnings date is November 12, 2026.

This page is an AI-written research summary of Beeline Holdings, Inc. (BLNE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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