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BLNE Stock Analysis - Beeline Holdings, Inc. AI Rating

BLNE Nasdaq Mortgage Bankers & Loan Correspondents NV CIK: 0001534708
Recently Updated • Analysis: Mar 21, 2026 • SEC Data: 2025-09-30
AI Rating
STRONG SELL
95% Confidence

📊 BLNE Key Takeaways

Revenue: $5.4M
Net Margin: -273.8%
Free Cash Flow: $-11.4M
Current Ratio: 1.05x
Debt/Equity: 0.01x
EPS: $-2.09
AI Rating: STRONG SELL with 95% confidence

Investment Thesis

Beeline Holdings is in severe financial distress with massive operating losses, negative profitability across all metrics, and severely depleted cash reserves. The company is burning cash at an unsustainable rate with negative operating cash flow of $11.4M against minimal revenue of $5.4M, indicating fundamental business model failure. With only $1.3M in cash and negative working capital trends, the company faces imminent liquidity crisis without significant restructuring or capital infusion.

BLNE Strengths

  • + Low financial leverage with debt-to-equity of 0.01x provides some balance sheet flexibility
  • + Equity base of $51.7M still exceeds liabilities, maintaining positive book value
  • + Minimal capital expenditure requirements ($2.2K) reduces ongoing investment burden

BLNE Risks

  • ! Catastrophic operating losses of $11.4M with negative operating margin of -212.2% indicates core business is economically unviable
  • ! Negative free cash flow of $11.4M combined with only $1.3M cash reserves creates critical liquidity risk within weeks
  • ! Net margin of -273.8% and negative ROE/ROA of -28.6%/-23.4% demonstrate complete loss of shareholder value
  • ! Minimal revenue of $5.4M with declining trajectory (-0.4% YoY) shows no path to profitability
  • ! Zero insider buying activity in last 90 days suggests management has no confidence in recovery
  • ! Interest coverage ratio of -46.3x indicates inability to service any debt obligations from operations

Key Metrics to Watch

BLNE Financial Metrics

Revenue
$5.4M
Net Income
$-14.8M
EPS (Diluted)
$-2.09
Free Cash Flow
$-11.4M
Total Assets
$63.2M
Cash Position
$1.3M

💡 AI Analyst Insight

Beeline Holdings, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.

BLNE Profitability Ratios

Gross Margin 9.3%
Operating Margin -212.2%
Net Margin -273.8%
ROE -28.6%
ROA -23.4%
FCF Margin -211.4%

BLNE vs Finance Sector

How Beeline Holdings, Inc. compares to Finance sector averages

Net Margin
BLNE -273.8%
vs
Sector Avg 25.0%
BLNE Sector
ROE
BLNE -28.6%
vs
Sector Avg 12.0%
BLNE Sector
Current Ratio
BLNE 1.0x
vs
Sector Avg 1.2x
BLNE Sector
Debt/Equity
BLNE 0.0x
vs
Sector Avg 2.0x
BLNE Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

BLNE Balance Sheet & Liquidity

Current Ratio
1.05x
Quick Ratio
0.91x
Debt/Equity
0.01x
Debt/Assets
18.1%
Interest Coverage
-46.29x
Long-term Debt
$300.0K

BLNE 5-Year Financial Trend

BLNE 5-year financial data: Year 2019: Revenue $17.0M, Net Income N/A, EPS N/A. Year 2020: Revenue $14.8M, Net Income -$13.1M, EPS N/A. Year 2021: Revenue $14.8M, Net Income -$9.9M, EPS N/A. Year 2022: Revenue $13.9M, Net Income -$2.2M, EPS N/A. Year 2023: Revenue $13.9M, Net Income -$16.3M, EPS $-21.40.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Beeline Holdings, Inc.'s revenue has declined by 18% over the 5-year period, indicating business contraction. The most recent EPS of $-70.42 indicates the company is currently unprofitable.

BLNE Growth Metrics (YoY)

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
-211.4%
Free cash flow / Revenue

BLNE Quarterly Performance

Quarterly financial performance data for Beeline Holdings, Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2024 $760.0K -$1.3M N/A
Q2 2024 $2.7M -$1.3M N/A
Q1 2024 $2.4M -$1.3M $-0.78
Q3 2023 $3.0M -$1.6M $-2.00
Q2 2023 $2.7M -$1.6M N/A
Q1 2023 $2.9M -$1.6M N/A
Q3 2022 $3.0M $30.0K $-0.18
Q2 2022 $3.6M -$1.8M $-0.12

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

BLNE Capital Allocation

Operating Cash Flow
-$11.4M
Cash generated from operations
Capital Expenditures
$2.2K
Investment in assets
Dividends
None
No dividend program

BLNE SEC Filings

Access official SEC EDGAR filings for Beeline Holdings, Inc. (CIK: 0001534708)

📋 Recent SEC Filings

Date Form Document Action
Mar 20, 2026 8-K form8-k.htm View →
Mar 13, 2026 8-K form8-k.htm View →
Mar 12, 2026 8-K form8-k.htm View →
Mar 11, 2026 8-K form8-k.htm View →
Mar 10, 2026 8-K form8-k.htm View →

Frequently Asked Questions about BLNE

What is the AI rating for BLNE?

Beeline Holdings, Inc. (BLNE) has an AI rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.

What are BLNE's key strengths?

Low financial leverage with debt-to-equity of 0.01x provides some balance sheet flexibility. Equity base of $51.7M still exceeds liabilities, maintaining positive book value.

What are the risks of investing in BLNE?

Catastrophic operating losses of $11.4M with negative operating margin of -212.2% indicates core business is economically unviable. Negative free cash flow of $11.4M combined with only $1.3M cash reserves creates critical liquidity risk within weeks.

What is BLNE's revenue and growth?

Beeline Holdings, Inc. reported revenue of $5.4M.

Does BLNE pay dividends?

Beeline Holdings, Inc. does not currently pay dividends.

Where can I find BLNE SEC filings?

Official SEC filings for Beeline Holdings, Inc. (CIK: 0001534708) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is BLNE's EPS?

Beeline Holdings, Inc. has a diluted EPS of $-2.09.

How is the AI analysis conducted?

Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.

Disclaimer: This analysis is generated by Claude AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 21, 2026 | Data as of: 2025-09-30 | Powered by Claude AI