Beeline Holdings Inc.
Severe listing-compliance risk
The share price is below $1 and the stored reverse-split/listing-risk level is HIGH. No verified reverse-split authorization or announced reverse split is currently recorded. This is a risk signal, not confirmation that Nasdaq has issued a deficiency notice.
BLNE · Price history
Price at last available close
$0.67
−$0.17 (-20.35%) 1M
2026-10-29
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Company & revenue
About Beeline Holdings Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Beeline Holdings, Inc. operates as a digital-first mortgage lender and financial services provider. The company generates revenue primarily through mortgage loan origination fees, gains on the sale of mortgage loans in the secondary market, and title services fees, while leveraging proprietary AI technology to streamline the loan processing and underwriting workflow.
Products & services
Digital residential mortgage origination, AI-driven loan processing, title services, and the BlinkQC SaaS platform for automated pre-close quality control reviews.
Brands & revenue mix
Primary brand for digital mortgage lending and title services.
Separate brand revenue is not available in this research.Source
SaaS platform for automated pre-close quality control.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Unnamed Technology and Data Providers — Providers of data integrations and software infrastructure supporting the company's AI-driven mortgage platform.Source
Business relationships & partnerships
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
10
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
21
Poor
Financial Strength
27
Business Quality / Moat
0
Management
0
Growth Quality
85
Risk / Durability
0
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
34
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
39/100
Building Historical Record
Model Score 39/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
Reverse-split / listing-compliance risk: HIGH
This is a risk signal, not a prediction. It is separate from Wall Street Score and does not change the company score. It looks for listing-pressure signals such as prolonged Nasdaq trading below $1, very low share price, micro-cap size, negative free cash flow, and verified recent reverse splits.
Risk indicator: 55/100
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Asset quality scores strongly
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Material dilution — approximately 116.7% share-count growth
- •MAJOR RED FLAG: Reverse split proposed / authorized
- •CRITICAL: Bankruptcy / liquidation risk
- •High debt risk
- •M&A headline · Aug 4, 2026
Company-specific research
Questions worth answering for BLNE
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BLNE maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can BLNE fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is BLNE's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What specifically needs to improve for BLNE to reach sustainable profitability?
- •What future growth or profitability would be needed to justify BLNE's current valuation?
Essential Investment Snapshot
Wall Street Score
10
Opportunity Score
34
Market Cap
$22.0M
P/E Ratio
-0.3
EPS
$-2.66
52-Week High
$4.10
52-Week Low
$0.76
Beta
1.32
Shares Outstanding
30.6M
Total Revenue
$10.2M
Total Debt
$10.7M
Dividend
No current dividend
Liquidation Value / Share
$1.65
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BLNE
Detected from reported data — verify before acting.Material dilution — approximately 116.7% share-count growth
Shares outstanding increased approximately 116.7% across stored score snapshots. This is material dilution and is applying a Wall Street Score ceiling of 35.
MAJOR RED FLAG: Reverse split proposed / authorized
A recent SEC filing discusses authorization, approval, or a proposal for a reverse stock split. This is treated as a major distress/listing-risk signal and caps Wall Street Score below 30 while pending.
Supporting filingCRITICAL: Bankruptcy / liquidation risk
A recent SEC filing contains bankruptcy/liquidation language. Wall Street Score is capped at 10.
Supporting filingHistorical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
High debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
M&A headline · Aug 4, 2026
Beeline Expands into Blockchain-Based Home Equity with Signing of LOI to Acquire TYTL Corp, Targeting an Estimated $1 Trillion Market — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireM&A headline · Aug 3, 2026
Beeline Signs LOI to Acquire TYTL, Expanding into Blockchain-Based Residential Equity — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Globe News WireM&A headline · Aug 3, 2026
Beeline Signs LOI to Acquire TYTL, Expanding into Blockchain-Based Residential Equity — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
GlobeNewsWireCommunity Sentiment
0 active · 0 total callsNo personal call yet on BLNE.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary AI-driven mortgage origination technology.
- +Digital-first platform reducing average cost per loan.
Potential downside factors
- −Debt risk (high): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
18
Sep 9, 2026
Change
-8.2
points
Current Score
10
Oct 1, 2026
Category Changes
BLNE decreased 8.2 points because some fundamentals weakened.
Positive Contributors
- + Capital improved by 2 points
Projected Score
Projected Score
8
Projected Change
-2.0 points
Preliminary comparable-period financial changes suggest decline of approximately 2.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$0.67
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +98.6%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.4M | $7.8M | $3.9M | $3.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $9.5M | $6.4M | $2.2M | $4.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | -$51K | $1.4M | $1.7M | -$196K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $6.8M | $10.8M | $6.0M | $1.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $20.0M | $20.6M | $10.7M | $1.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$18.3M | -$17.1M | -$3.1M | -$3.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$20.0M | -$19.2M | -$9.0M | -$2.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | -$10K | $2.3M | $2.2M | $1.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$21.0M | -$22.7M | -$6.2M | -$4.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$20.5M | -$22.1M | -$11.3M | -$7.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.11 | $-2.15 | $-27.02 | $-69.10 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 31.41M | 14.14M | 246K | 109K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 31.41M | 14.14M | 246K | 109K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$2.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$0.13
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+23.5%
Cash Change
-99.5%
Margin Change
+75.1 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
What Weakened
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, net income margin. Pressure indicators included EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 47.4%. EPS declined 69.0%. Cash declined 99.5%. Total debt increased 23.5%. Net income margin improved by 75.1 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - MortgagesNews
Beeline Implements Additional Cost Reduction Plan Targeting $3 Million in Annualized Savings, Advancing a More Efficient, Technology-Driven Business Model
Beeline to Host Stakeholder Update Call on Q3 2026 Financial Results
Beeline's “Bizumentary” with Emmy Award-Winning Loft 100 Studios Set to Premiere Tomorrow
Beeline Launches “Rate Optimization” Program to Accelerate Bank Statement Mortgage Growth as Q3 Revenue Trends Toward One of Company's Strongest Quarters
Rumor Mill · BLNE
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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