Beeline Holdings, Inc.

Beeline Holdings, Inc.

BLNE · NASDAQ · Financial Services / Mortgage Finance

0.4521USD-0.14 (-23.41%)

Price History

Full chart

Market Stats

Previous Close0.5903
Open0.5119
Day Range0.4208 – 0.5556
52-Week Range0.76 – 4.17
Volume1.54M
Market Cap31.62M
P/E (TTM)0.00
Forward P/E5.50
EPS-0.08
Dividend Yield0.00%
Beta1.66
50-Day Avg1.00
200-Day Avg1.83

About

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 Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. Nicholas R. Liuzza Jr.
  • Employees84
  • Headquarters188 Valley Street, Providence, RI, United States, 02909, USA
  • Websitehttps://makeabeeline.com

Leadership

  • Mr. Nicholas R. Liuzza Jr.Chairman of the Board & CEO · b. 1966
  • Mr. Christopher R. MoeChief Financial Officer · b. 1956
  • Ms. Tiffany MiltonChief Accounting Officer · b. 1977
  • Ms. Jessica N. KennedyChief Operating Officer
  • Mr. Cameron SlaboszChief Technology Officer
  • Mr. Jason JohnsonChief Marketing Officer

Financials

Income Statement

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue74.68K122.32K64.04K1.06M1.70M2.11M2.61M6.12M11.63M14.01M12.39M13.88M3.79M3.91M7.77M
Growth (%)-+63.79%-47.65%+1548.20%+61.32%+23.83%+23.84%+134.53%+89.86%+20.49%-11.52%+12.01%-72.72%+3.33%+98.57%
Cost of Revenue1.55K9.29K8.22K494.89K870.39K1.28M1.63M3.81M7.57M10.38M9.48M11.44M3.98M2.22M6.37M
Gross Profit73.12K113.03K55.82K560.55K832.23K827.96K976.93K2.31M4.06M3.62M2.91M2.44M-196.00K1.69M1.40M
Gross Margin97.92%92.41%87.17%53.11%48.88%39.27%37.42%37.73%34.91%25.86%23.48%17.58%-5.18%43.21%17.99%
Operating Expense83.42K164.08K137.59K4.61M4.37M5.13M5.81M10.57M14.01M11.81M9.81M9.09M1.86M10.72M20.62M
Operating Income-10.30K-51.05K-81.77K-4.05M-3.54M-4.30M-4.83M-8.26M-9.95M-8.19M-6.90M-6.65M-2.06M-9.03M-19.22M
Operating Margin-13.79%-41.73%-127.69%-383.91%-208.00%-203.86%-184.98%-134.91%-85.61%-58.44%-55.67%-47.89%-54.40%-230.77%-247.36%
EBITDA-10.30K-51.05K-81.77K-799.90K-3.52M-4.32M-4.95M-7.89M-10.93M-6.37M-3.56M-12.53M-3.54M-3.12M-17.08M
EBITDA Margin-13.79%-41.73%-127.69%-75.79%-206.87%-204.67%-189.62%-128.90%-94.04%-45.45%-28.75%-90.25%-93.50%-79.84%-219.86%
Net Income-22.66K-57.02K-86.23K-4.06M-3.60M-5.20M-5.28M-9.05M-16.91M-9.86M-2.20M-16.27M-7.54M-11.33M-22.12M
Net Income Margin-30.34%-46.61%-134.67%-384.40%-211.50%-246.63%-202.12%-147.75%-145.43%-70.39%-17.72%-117.16%-198.97%-289.62%-284.68%
Interest Expense12.36K14.77K15.21K-112.46K862.47K235.05K789.36K508.00K1.09M1.25M2.22M1.11M2.24M2.27M
Interest Expense % of Total Revenue16.55%12.08%23.75%-6.61%40.91%9.00%12.89%4.37%7.77%10.12%15.96%29.26%57.14%29.18%

Balance Sheet

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.20K9.27K6182.05M1.29M2.55M9.03M26.36M35.87M31.73M33.56M21.48M17.48M66.52M70.22M
Total Liabilities142.26K202.35K77.93K464.35K2.36M1.42M3.88M7.61M28.53M32.84M20.16M22.99M16.63M17.55M16.61M
Total Equity-136.06K-193.08K-77.31K1.58M-1.06M1.13M5.13M18.75M7.33M-1.11M13.40M-1.52M853.00K47.87M53.61M
Cash2.74K5.90K6181.08M141.32K1.09M2.59M10.64M343.00K836.00K3.28M723.00K403.00K391.00K3.06M
Total Debt80.00K155.00K7.15K176.83K490.40K432.29K2.46M5.23M9.07M13.26M18.84M19.01M13.89M14.18M15.00M
Net Debt77.26K149.10K6.53K-905.46K349.08K-655.77K-130.83K-5.41M8.73M12.42M15.57M18.29M13.48M13.79M11.94M

Cash Flow

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-31.52K-67.23K-65.05K-1.08M-1.19M-4.95M-7.01M-13.92M-9.13M-3.01M-5.95M-877.00K-1.84M-3.23M-21.44M
Investing Cash Flow--4.41K-37.51K-50.08K-9.20K-652.94K-1.30M-3.63M137.00K3.21M-2.32M104.00K-451.00K-1.10M
Financing Cash Flow-2.00K70.39K55.36K2.17M296.88K5.91M9.16M23.27M2.46M3.36M5.18M641.00K1.41M4.59M24.89M
Capital Expenditure0021.84K37.87K50.08K9.20K657.48K1.30M2.18M524.00K265.00K2.50M194.00K71.00K246.00K
Free Cash Flow-31.52K-67.23K-86.89K-1.12M-1.24M-4.96M-7.67M-15.21M-11.31M-3.53M-6.21M-3.37M-2.03M-3.30M-21.69M
Dividends Paid-5004.30K1.52K----------6.77M
FCF to OCF100.00%100.00%133.58%103.49%104.22%100.19%109.38%109.31%123.83%117.43%104.46%384.72%110.57%102.20%101.15%
Dividend Paid to FCF--0.74%-4.95%-0.14%-----------31.19%

Earnings

Report DateJun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Nov 14, 2016Mar 31, 2017May 12, 2017Aug 14, 2017Nov 14, 2017Apr 2, 2018Aug 13, 2018Nov 14, 2018Mar 28, 2019May 13, 2019Aug 14, 2019Nov 14, 2019Mar 30, 2020May 14, 2020Aug 13, 2020Nov 12, 2020Mar 31, 2021May 13, 2021Aug 12, 2021Nov 15, 2021Mar 30, 2022May 16, 2022Aug 11, 2022Nov 14, 2022Mar 31, 2023May 12, 2023Aug 14, 2023Nov 14, 2023Dec 31, 2023May 13, 2024Aug 14, 2024Nov 15, 2024May 20, 2025Aug 14, 2025Nov 14, 2025Dec 31, 2025May 15, 2026Aug 14, 2026Nov 13, 2026
EPS Estimate----------126.00-84.00--52.00-40.00-48.00-40.00-57.00-0.23-34.00-39.00-48.00-0.27-56.00-50.00-40.00-0.14-0.11-0.08-0.04-0.03-36.00-34.00-38.00-0.17-24.00-12.50-12.60-0.90-2.20-8.20--0.55-0.47-0.24-0.31-0.10-0.05-
EPS Actual-4.96-0.81-1282.18-219.11-181.28-369.88-174.22-261.47-278.93-155.76-114.00-0.12-78.82-68.00-68.00-74.00-84.00-0.43-64.00-64.00-76.90-0.78-67.92-43.74-34.76-0.24-0.02-0.14-0.32-0.16-28.00-24.00-36.00-0.62-19.78-19.60-8.31-1.28-8.51-9.19-0.66-6.14-0.63-0.15-0.12-0.17-0.13-
Surprise----------23.62%-35.71%--51.58%-70.00%-41.67%-85.00%-47.37%-86.96%-88.24%-64.10%-60.21%-188.89%-21.29%12.52%13.10%-72.36%83.36%-70.25%-696.75%-427.00%22.22%29.41%5.26%-264.71%17.58%-56.80%34.05%-42.03%-286.82%-12.07%--1016.36%-34.04%37.50%60.65%-70.00%-160.00%-
Timing---------After-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursPre-marketPre-market-Pre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-----After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hours--After-hoursAfter-hours-After-hoursAfter-hours-

Key Statistics & Ratios

Market Cap31.62M
Enterprise Value40.99M
Trailing P/E0.00
Forward P/E5.50
Price / Sales2.92
Price / Book0.63
EPS-0.08
Book Value1.54
Revenue (TTM)10.82M
Gross Profit (TTM)10.82M
EBITDA-19.81M
Profit Margin-199.46%
Operating Margin-155.48%
Return on Equity-40.12%
Return on Assets-18.91%
Shares Outstanding32.93M
Shares Float23.81M
Beta1.66
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
18.57%
Insiders
28.69%
Retail / Other
52.74%

Top Institutional Holders

  • Awm Investment Company Inc
    1.85M5.61%
  • MML Investors Services Inc
    630.70K1.92%
  • Diametric Capital, LP
    323.85K0.98%
  • Geode Capital Management, LLC
    274.15K0.83%
  • Vanguard Capital Management, LLC
    258.51K0.79%
  • Goss Wealth Management LLC
    252.85K0.77%
  • Perkins Capital Management Inc
    245.00K0.74%
  • EMG Holdings, L.P.
    195.78K0.59%
  • GSA Capital Partners LLP
    174.80K0.53%
  • Vanguard Fiduciary Trust Co
    119.11K0.36%
  • INTEGRITY ALLIANCE, LLC.
    100.00K0.30%
  • Centiva Capital LP
    97.45K0.30%
  • State Street Corp
    97.42K0.30%
  • Citizens Financial Group Inc
    92.30K0.28%
  • Sowell Financial Services, LLC
    91.45K0.28%
  • LPL Financial Corp
    80.38K0.24%
  • BlackRock Inc
    55.34K0.17%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    841.27K2.55%
  • Fidelity Extended Market Index
    130.96K0.40%
  • iShares Micro-Cap ETF
    78.99K0.24%

Stock Splits

  • Mar 12, 20251:10
  • May 15, 20231:20
  • Jun 15, 20171:3