Beeline Holdings, Inc. (BLNE) Fair Value & Analysis

Financial Services · US · Market cap $37.7M · ISIN US2778025005

Below-average quality, trading 60% below our fair value.

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 →

What matters now

• The large discount to fair value meets weak quality (18/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case ($1.39). 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 ($1.39 to $3.35) leaves room in how you read the outcome.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range $0.6480 – $934.00 · fair‑value band $1.39 – $3.35 · the $0.9844 price screens below the $2.47 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Beeline Holdings, Inc. (BLNE) currently trades at $0.9844, while our model-based Fair Value estimate is $2.47, implying the stock looks roughly 151.3% undervalued today. The Quality Score stands at 18/100 (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 Aug 13, 2026

Our scenario range runs from $1.39 (bear case) to $3.35 (bull case); at $0.9844, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 79% below its 52-week high and 47% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -19% fair-value upside, at 151%, BLNE screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Dividend Discount ($2.40) versus Asset-Based ($1.15). Highest evidence: Gordon GGM (70).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

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Peer Group

Mortgage Finance · 94 stocks

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.

Valuation Multiples vs Mortgage Finance median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

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Frequently asked questions

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.