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Beeline Holdings (BLNE) Fair Value & Analysis

Financial Services · US · Market cap $37.7M

BH Beeline Holdings logo Beeline Holdings BLNE · US
Price$1.06
Fair Value$2.56
Upside+141.4%
Quality13/100
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Evidence: Low Range $1.43 – $3.51

Fair value as of: Jul 15, 2026

From 3 valuation models · updated today

Share price −10.2% over the past month.

Price vs Fair Value (12 months)

$4.35 $1.02 Fair Value $2.56 Jul 2025 Jul 2026

12‑month range $1.02 – $4.35 · fair‑value band $1.43 – $3.51 · the $1.06 price screens below the $2.56 fair value. As of Jul 15, 2026.

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Analysis

Beeline Holdings (BLNE) currently trades at $1.06, while our model-based Fair Value estimate is $2.56 — implying the stock looks roughly 141.4% undervalued today. We read business quality at 13/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

Trailing-twelve-month revenue stands at $9.8M. Revenue grew 52.1% year over year. It earns a return on equity of -42.9%. Net debt stands at $11.9M. Fundamentals as of Jul 15, 2026

Our scenario range runs from $1.43 (bear case) to $3.51 (bull case); at $1.06, the current price sits below that range. The share trades about 77% below its 52-week high and 58% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 49% fair-value upside — at 141%, BLNE screens cheaper than that median.

Key figures & financial health

Revenue (TTM) $9.8M
Revenue growth (YoY) +52.1%
Net margin -221%
Return on equity -42.9%
Free cash flow −$21.7M FY2025
P/E ratio 0.7
More key figures
Operating margin -173%
EPS (TTM) $1.82
Net debt $11.9M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 15, 2026. TTM = trailing twelve months.

About the company

Beeline Holdings, Inc., together with its subsidiaries, engages in the fintech mortgage lending business in the United States. The company operates in two segments, Beeline Loans and Beeline Title Holdings. It is involved in digital consumer real estate financing; and offers proprietary AI, streamlined task-based processing, data integrations; and human capital for originating, evaluating, approving, and closing mortgage, fractional equity purchase, or title insurance. The company also provides marketing and sale services through Bob, an AI chatbot that responds to inquiries and answers questions about product offering; BlinkQC, a SaaS platform that ingests loan document packages, extracts and validates data, applies customizable rule sets, and generates compliance reports; and BeelineEquity, a fractional equity product. In addition, it offers application and pre-qualification; document collection and verification; approval and closing; post-closing and servicing; and title and …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Beeline Holdings reported revenue of $7.8M in FY2025 versus $12.4M in FY2021, a compound −11.0%/yr. Reported net income was −$22.1M in FY2025.

Revenue −11.0%/yr
FY21 $12.4M
FY22 $13.9M
FY23 $3.8M
FY24 $3.9M
FY25 $7.8M
Net income
FY21 −$2.2M
FY22 −$16.3M
FY23 −$7.5M
FY24 −$11.3M
FY25 −$22.1M

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Cite: Fair Value Calculator (2026). "Beeline Holdings Fair Value". https://www.fairvalue-calculator.com/stock/BLNE

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Frequently asked questions

Is Beeline Holdings (BLNE) undervalued?
As of Jul 15, 2026, our model estimates a fair value of $2.56 versus a price of $1.06 — about +141% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BLNE?
Our model-based fair value for Beeline Holdings is $2.56 (as of Jul 15, 2026), built from audited fundamentals. The current price is $1.06.
What is the quality score of BLNE?
Beeline Holdings has a Quality Score of 13/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Beeline Holdings (BLNE)?
Beeline Holdings reported trailing-twelve-month revenue of about $9.8M (latest available figure, as of Jul 15, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.