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Beeline Holdings, Inc. (BLNE) fair value: what the stock is really worth

As of Oct 12, 2026: fair value of Beeline Holdings, Inc. $1.47, price $0.70, upside +111.4%, quality 21 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · US · ISIN US2778025005

BH Beeline Holdings, Inc. logo Thin data Oct 3, 2026

Beeline Holdings, Inc.

BLNE · US

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

Fair value $1.47 · Strongly undervalued (+111.4%)
Low debt
Mixed vs. peers (6/12)
Quality 21/100
Weak Growth (revenue 5y −11.1 %/yr in USD)
Loss-making · -199.5% net margin (TTM)
Negative free cash flow
Narrow moat 6/100 · thin data
Thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$934.00 $0.6480 Fair Value $1.47 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $0.6480 – $934.00 · fair‑value band $0.8330 – $1.99 · the $0.6957 price screens below the $1.47 fair value. Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

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.

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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 closing services. The company was founded in 2019 and is headquartered in Providence, Rhode Island.

Stock analysis

Beeline Holdings, Inc. (BLNE) currently trades at $0.6957, while our model-based Fair Value estimate is $1.47, implying the stock looks roughly 52.7% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $3.11 per share, and 3 of the 3 models we run sit above the $0.6957 price.

Bear case: the Asset-Based group reads lowest at $1.09, and 0 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.8330 (bear) to $1.99 (bull), the price of $0.6957 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 21/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Beeline Holdings, Inc. 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.

Key figures

Market cap $28.0M · P/E ratio 0.7 · P/S ratio 2.59 · EPS (TTM) $−0.0800 · Net margin −199% · Return on equity −40.1% · Return on assets (EBIT) −20.9% · Operating margin −155%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).

What moves the price

The share trades about 81% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at 111%, BLNE screens cheaper than that median.

Fair Value models

Bear $0.8330 Fair Value $1.47 Bull $1.99
Price $0.6957 · Upside +111.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
DDM Multi-Stage $1.80 $3.11 $3.80 65
Gordon GGM $1.80 $3.60 $5.45 64
NCAV (Graham) $0.8100 $1.09 $1.63 54
All 3 models by family
Dividend Discount
Gordon GGM $1.80 $3.60 $5.45 64
DDM Multi-Stage $1.80 $3.11 $3.80 65
Asset-Based
NCAV (Graham) $0.8100 $1.09 $1.63 54

Open the full fair value analysis →

Quality Score breakdown

Overall quality 21/100

Of which business quality 25 · Market factors (momentum, volatility) 3

Profitability 1
Margins and returns on capital today
Quality Growth 35
Are margins and returns improving?
Cashflow 10
Earnings quality: real cash, not paper profit
Fin. Strength 64
Balance sheet, leverage, solvency risk
Investment 47
Disciplined investing over empire-building
Low Volatility 5
Calm price path (market factor)
Momentum 2
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+98.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−17.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−11.1%
Start year 2020 (pandemic). Over 10 years: +16.4% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.3%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−58.4% (2020) → −247.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 90 stocks

Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 21 · Bottom 25%
Fair Value upside +111.4% · Top 25%
Profitability
Return on assets −18.9% · Bottom 25%
Net margin (TTM) −199.5% · Bottom 25%
Operating margin (TTM) −155.5% · Bottom 25%
Growth and dividend
Revenue growth 60.1% · Top 25%
Dividend yield (TTM) 24.1% · Top 25%
Balance sheet
Debt / equity 0.20× · Lowest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (TTM) 0.7× · Cheapest 25%
P/B 0.52× · Cheapest 25%
P/S (TTM) 2.59× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 1
FUTURE (revenue growth)100 · sector 74
PAST (return on equity)0 · sector 36
HEALTH (low debt)90 · sector 24
DIVIDEND (yield)100 · sector 97

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Federal Home Loan Mortgage Corporation FMCCT $10.45 $20.90 +100% vs BLNE
PennyMac Financial Services, Inc PFSI $59.90 $119.80 +100% vs BLNE
LIC Housing Finance Limited LICHSGFIN ₹564.15 ₹1,128 +100% vs BLNE
Aadhar Housing Finance Limited AADHARHFC ₹448.40 ₹611.66 +36% vs BLNE
PNB Housing Finance Limited PNBHOUSING ₹1,098 ₹1,329 +21% vs BLNE
Guild Holdings GHLD $64.48 $55.87 −13% vs BLNE
Bajaj Housing Finance Limited BAJAJHFL ₹83.14 ₹25.20 −70% vs BLNE
Federal National Mortgage Association FNMAS $7.22 $1.97 −73% vs BLNE
Rocket Companies, Inc RKT $11.44 $2.81 −75% vs BLNE
UWM Holdings UWMC $1.08 $0.2200 −80% vs BLNE

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Beeline Holdings, Inc. · Fair Value
$1.47 +53%Fair Value
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Cite: Fair Value Calculator (2026). "Beeline Holdings, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BLNE

Frequently asked questions

Is Beeline Holdings, Inc. (BLNE) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $1.47 versus a price of $0.6957, about +111% upside (undervalued).
What is the fair value of BLNE?
Our model-based fair value for Beeline Holdings, Inc. is $1.47 (as of Oct 3, 2026), built from audited fundamentals. The current price: $0.6957.
What is the quality score of BLNE?
Beeline Holdings, Inc. has a Quality Score of 21/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Beeline Holdings, Inc. (BLNE)?
Our model-based price target is the fair value of $1.47 (as of Oct 3, 2026) from 3 valuation models. Cautious scenario $0.8330, optimistic scenario $1.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Beeline Holdings, Inc. stock forecast for 2026?
Our models put fair value at $1.47, about +111% upside versus a price of $0.6957 (undervalued). Cautious scenario $0.8330, optimistic scenario $1.99. The calculation is refreshed regularly with new filings.
What is the revenue of Beeline Holdings, Inc. (BLNE)?
Beeline Holdings, Inc. reported trailing-twelve-month revenue of about $10.8M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of Beeline Holdings, Inc. (BLNE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Beeline Holdings, Inc. it is $1.47 per share (as of Oct 3, 2026), against a price of $0.6957. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Beeline Holdings, Inc. stock overvalued or undervalued in 2026?
As of Oct 3, 2026, BLNE trades below its calculated fair value: price $0.6957, fair value $1.47, a gap of about +111% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BLNE?
No. The price is what the market pays today ($0.6957); the fair value is what the company's own numbers justify ($1.47). For Beeline Holdings, Inc. the two are $0.7753 per share apart. That gap is exactly why we show both numbers side by side.
How much is Beeline Holdings, Inc. worth?
The market values Beeline Holdings, Inc. at about $28.0M (market capitalisation, as of Oct 3, 2026). Per share that is $0.6957; our models calculate a fair value of $1.47 per share.
What do the bullish and bearish scenarios say about BLNE?
Our models span a range for Beeline Holdings, Inc.: cautious scenario $0.8330, base $1.47, optimistic $1.99 per share (as of Oct 3, 2026, price $0.6957). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BLNE?
Beeline Holdings, Inc. trades at a price-to-earnings ratio of 0.7 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.47 is built from several models across several years. Other multiples: P/B 0.5, P/S 2.6.
How solid is the balance sheet of Beeline Holdings, Inc. (BLNE)?
Balance-sheet figures for Beeline Holdings, Inc. (as of Oct 3, 2026): return on equity −40.1%, debt of 0.20 per unit of equity. They feed the Quality Score of 21/100, which measures business quality independently of the share price.
How far is BLNE from its 52-week high?
Beeline Holdings, Inc. trades at $0.6957, about 81% below its 52-week high of $3.59 and at the low of $0.6957 (as of Oct 12, 2026). Distance from the high says nothing about value: that is what the fair value of $1.47 is for.
Which stocks are comparable to Beeline Holdings, Inc.?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Beeline Holdings, Inc. stock attractive at the current price?
The data as of Oct 3, 2026: price $0.6957, calculated fair value $1.47 (+111%), Quality Score 21/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BLNE calculated?
We run Beeline Holdings, Inc. through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.47, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.8 % above its aggregate fair value. Beeline Holdings, Inc. currently trades 53 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Beeline Holdings, Inc. (BLNE)?
The closing price on Oct 12, 2026 was $0.6957. Our model-based fair value is $1.47, about +111% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Beeline Holdings, Inc. right now?
The large discount to fair value meets weak quality (21/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($0.8330). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.8330 to $1.99) leaves room in how you read the outcome.

Key figures of Beeline Holdings, Inc.

How large is the market capitalisation of Beeline Holdings, Inc. (BLNE)?
The market capitalisation of Beeline Holdings, Inc. is $28.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Beeline Holdings, Inc. (BLNE)?
The price-to-sales ratio of Beeline Holdings, Inc. is 2.59 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Beeline Holdings, Inc. (BLNE)?
Earnings per share at Beeline Holdings, Inc. are $−0.0800 (price ÷ EPS = P/E 0.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Beeline Holdings, Inc. (BLNE)?
The net margin of Beeline Holdings, Inc. is −199% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Beeline Holdings, Inc. (BLNE)?
The return on equity (ROE) of Beeline Holdings, Inc. is −40.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Beeline Holdings, Inc. (BLNE)?
On an EBIT basis the return on assets of Beeline Holdings, Inc. is −20.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Beeline Holdings, Inc. (BLNE)?
The operating margin of Beeline Holdings, Inc. is −155% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Beeline Holdings, Inc. (BLNE)?
Revenue at Beeline Holdings, Inc. is growing +60.1% versus a year earlier (3y avg −17.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Beeline Holdings, Inc. (BLNE) generate?
The free cash flow of Beeline Holdings, Inc. is −$21.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Beeline Holdings, Inc. (BLNE) carry?
The net debt of Beeline Holdings, Inc. is $11.9M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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