Symbols / BLNE Stock $1.88 -8.29% Beeline Holdings, Inc.

Financial Services • Mortgage Finance • United States • NCM
BLNE (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Mortgage Finance
CEO Mr. Nicholas R. Liuzza Jr.
Exch · Country NCM · United States
Market Cap 57.62M
Enterprise Value 69.33M
Income -31.01M
Sales 8.20M
FCF (ttm) -13.88M
Book/sh 1.92
Cash/sh 0.11
Employees —
Insider 10d —
IPO Jan 03, 2017
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 0.03
Forward P/E 4.00
PEG —
P/S 7.02
P/B 0.98
P/C —
EV/EBITDA -3.67
EV/Sales 8.45
Quick Ratio 0.23
Current Ratio 1.19
Debt/Eq 27.99
LT Debt/Eq —
EPS (ttm) -1.60
EPS next Y 0.47
EPS Growth —
Revenue Growth 103.80%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-14
Earnings (prior) 2026-03-31
ROA -17.47%
ROE -44.19%
ROIC —
Gross Margin 100.00%
Oper. Margin -3.09%
Profit Margin -282.45%
Shs Outstand 30.65M
Shs Float 21.35M
Insider Own 24.20%
Instit Own 15.22%
Short Float 6.00%
Short Ratio 2.70
Short Interest 1.53M
52W High 4.65
vs 52W High -59.57%
52W Low 0.62
vs 52W Low 203.23%
Beta —
Impl. Vol. —
Rel Volume 1.32
Avg Volume 693.63K
Volume 916.29K
Target (mean) $4.50
Tgt Median $4.50
Tgt Low $4.50
Tgt High $4.50
# Analysts 1
Recom None
Prev Close $2.05
Price $1.88
Change -8.29%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$4.50
Mean price target
2. Current target
$1.88
Latest analyst target
3. DCF / Fair value
$-8.15
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.88
Low
$4.50
High
$4.50
Mean
$4.50
News
RSS: Latest BLNE news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-08 FREEDMAN JOSEPH DAVID Director — 7,010 $0.00 $0
2025-12-16 KNUETTEL FRANCIS P II Director — 30,000 $0.00 $0
2025-11-26 FREEDMAN JOSEPH DAVID Director — 1,000 $1.85 $1,850
2025-11-21 FREEDMAN JOSEPH DAVID Director — 3,000 $1.46 $4,380
2025-11-19 FREEDMAN JOSEPH DAVID Director — 7,000 $1.62 $11,340
2025-11-19 MOE CHRISTOPHER R. Chief Financial Officer — 20,000 $1.68 $33,600
2025-10-10 LIUZZA NICHOLAS REYLAND JR Chief Executive Officer — 2,333,629 $1.67 $3,897,160
2025-10-02 KNUETTEL FRANCIS P II Director — 40,000 $0.00 $0
2025-10-02 FINNSSON ERIC JON Director — 88,913 $0.00 $0
2025-10-02 FREEDMAN JOSEPH DAVID Director — 187,971 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
8.20
+555.64%
1.25
-66.97%
3.79
-72.72%
13.88
Operating Revenue
8.19
+555.56%
1.25
-67.02%
3.79
-73.57%
14.33
Cost Of Revenue
11.88
+346.13%
2.66
-33.17%
3.98
-65.19%
11.44
Reconciled Cost Of Revenue
11.88
+346.13%
2.66
-31.59%
3.89
-65.99%
11.44
Gross Profit
-3.67
-160.38%
-1.41
-619.90%
-0.20
-108.03%
2.44
Operating Expense
15.87
+320.54%
3.77
+102.41%
1.86
-79.36%
9.03
Selling General And Administration
9.49
+281.33%
2.49
+37.80%
1.81
-79.99%
9.03
Selling And Marketing Expense
3.00
+597.67%
0.43
+110.78%
0.20
-92.23%
2.62
General And Administrative Expense
6.50
+215.29%
2.06
+28.51%
1.60
-74.98%
6.41
Salaries And Wages
—
3.15
+129.33%
1.37
—
Other Gand A
6.50
+215.29%
2.06
+28.51%
1.60
-74.98%
6.41
Other Operating Expenses
3.06
+482.10%
0.53
—
—
Total Expenses
27.74
+331.13%
6.43
+10.06%
5.85
-71.44%
20.47
Operating Income
-19.54
-276.95%
-5.18
-151.65%
-2.06
+68.75%
-6.59
Total Operating Income As Reported
-19.54
-276.95%
-5.18
-113.86%
-2.42
+63.54%
-6.65
EBITDA
-17.08
-2937.71%
0.60
+117.00%
-3.54
+71.74%
-12.53
Normalized EBITDA
-16.47
-268.36%
-4.47
-40.76%
-3.18
+36.70%
-5.02
Reconciled Depreciation
3.32
+337.47%
0.76
+408.72%
0.15
-90.20%
1.52
EBIT
-20.40
-12976.28%
-0.16
+95.77%
-3.69
+73.74%
-14.05
Total Unusual Items
-0.61
-112.02%
5.07
+1493.96%
-0.36
+95.15%
-7.51
Total Unusual Items Excluding Goodwill
-0.61
-112.02%
5.07
+1493.96%
-0.36
+95.15%
-7.51
Special Income Charges
-0.61
-112.02%
5.07
+1493.96%
-0.36
+95.15%
-7.51
Other Special Charges
0.61
+112.02%
-5.07
—
—
Write Off
—
3.36
+821.98%
0.36
-95.12%
7.45
Net Income
-23.17
-104.42%
-11.33
-50.40%
-7.54
+53.68%
-16.27
Pretax Income
-22.67
-847.58%
-2.39
+50.02%
-4.79
+70.58%
-16.27
Net Non Operating Interest Income Expense
-2.27
-1.57%
-2.23
-103.65%
-1.10
+50.54%
-2.22
Interest Expense Non Operating
2.27
+1.39%
2.24
+104.01%
1.10
-50.54%
2.22
Net Interest Income
-2.27
-1.57%
-2.23
-103.65%
-1.10
+50.54%
-2.22
Interest Expense
2.27
+1.39%
2.24
+104.01%
1.10
-50.54%
2.22
Interest Income Non Operating
0.00
-100.00%
0.00
0.00
—
Interest Income
0.00
-100.00%
0.00
0.00
—
Other Income Expense
-0.86
-117.08%
5.02
+408.22%
-1.63
+78.15%
-7.46
Other Non Operating Income Expenses
0.02
+125.00%
0.01
+100.63%
-1.27
-2534.62%
0.05
Tax Provision
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-23.38
-78.81%
-13.08
-73.54%
-7.54
+53.68%
-16.27
Net Income From Continuing Operation Net Minority Interest
-22.45
-3359.48%
-0.65
+86.44%
-4.79
+70.58%
-16.27
Net Income From Continuing And Discontinued Operation
-23.17
-104.42%
-11.33
-50.40%
-7.54
+53.68%
-16.27
Net Income Continuous Operations
-22.67
-847.58%
-2.39
+50.02%
-4.79
+70.58%
-16.27
Net Income Discontinuous Operations
-0.71
+93.31%
-10.68
-288.65%
-2.75
0.00
Minority Interests
0.21
-87.72%
1.74
0.00
—
Normalized Income
-21.84
-281.65%
-5.72
-29.42%
-4.42
+49.49%
-8.76
Net Income Common Stockholders
-31.51
-174.43%
-11.48
-49.42%
-7.68
+53.19%
-16.42
Otherunder Preferred Stock Dividend
8.20
0.00
—
0.00
Diluted EPS
-2.23
+95.22%
-46.63
+33.78%
-70.42
+67.09%
-214.00
Basic EPS
-2.23
+95.22%
-46.63
+33.78%
-70.42
+67.09%
-214.00
Basic Average Shares
14.14
+5643.68%
0.25
+125.65%
0.11
+42.31%
0.08
Diluted Average Shares
14.14
+5643.68%
0.25
+125.65%
0.11
+42.31%
0.08
Diluted NI Availto Com Stockholders
-31.51
-174.43%
-11.48
-49.42%
-7.68
+53.19%
-16.42
Depreciation Amortization Depletion Income Statement
3.32
+337.47%
0.76
+1229.82%
0.06
—
Depreciation And Amortization In Income Statement
3.32
+337.47%
0.76
+1229.82%
0.06
—
Earnings From Equity Interest
-0.27
-358.62%
-0.06
0.00
—
Excise Taxes
—
—
0.30
-32.66%
0.44
Gain On Sale Of PPE
—
—
0.36
+727.59%
-0.06
Preferred Stock Dividends
0.15
+0.00%
0.15
+0.00%
0.15
+0.00%
0.15
Line Item Trend 2023-12-31
Total Assets
17.48
Current Assets
4.54
Cash Cash Equivalents And Short Term Investments
0.31
Cash And Cash Equivalents
0.31
Cash Financial
0.40
Receivables
0.16
Accounts Receivable
0.16
Loans Receivable
0.00
Inventory
2.69
Raw Materials
1.74
Finished Goods
0.95
Prepaid Assets
0.05
Restricted Cash
0.00
Assets Held For Sale Current
1.27
Hedging Assets Current
0.00
Other Current Assets
0.11
Total Non Current Assets
12.94
Net PPE
0.85
Gross PPE
2.72
Accumulated Depreciation
-1.87
Properties
0.00
Machinery Furniture Equipment
0.65
Other Properties
0.68
Leases
1.39
Goodwill And Other Intangible Assets
4.18
Goodwill
0.00
Other Intangible Assets
4.18
Investments And Advances
0.00
Long Term Equity Investment
0.00
Non Current Prepaid Assets
0.24
Other Non Current Assets
7.92
Total Liabilities Net Minority Interest
16.63
Current Liabilities
4.21
Payables And Accrued Expenses
1.53
Payables
1.06
Accounts Payable
1.06
Current Accrued Expenses
0.47
Current Debt And Capital Lease Obligation
0.80
Current Debt
0.58
Other Current Borrowings
0.58
Current Capital Lease Obligation
0.22
Current Deferred Liabilities
0.09
Current Deferred Revenue
0.09
Other Current Liabilities
1.88
Total Non Current Liabilities Net Minority Interest
12.42
Liabilities Heldfor Sale Non Current
1.37
Long Term Debt And Capital Lease Obligation
11.06
Long Term Debt
10.60
Long Term Capital Lease Obligation
0.46
Other Non Current Liabilities
—
Stockholders Equity
0.85
Common Stock Equity
0.85
Capital Stock
0.00
Common Stock
0.00
Preferred Stock
0.00
Share Issued
0.17
Ordinary Shares Number
0.17
Treasury Shares Number
0.00
Additional Paid In Capital
83.56
Retained Earnings
-82.71
Gains Losses Not Affecting Retained Earnings
0.00
Minority Interest
0.00
Other Equity Adjustments
—
Total Equity Gross Minority Interest
0.85
Total Capitalization
11.45
Working Capital
0.33
Invested Capital
12.03
Total Debt
11.86
Net Debt
10.87
Capital Lease Obligations
0.68
Net Tangible Assets
-3.33
Tangible Book Value
-3.33
Available For Sale Securities
—
Duefrom Related Parties Current
—
Investmentin Financial Assets
0.00
Investments In Other Ventures Under Equity Method
—
Line Of Credit
0.00
Other Equity Interest
—
Preferred Shares Number
2.50
Preferred Stock Equity
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-21.44
-563.08%
-3.23
-77.50%
-1.82
-107.75%
-0.88
Cash Flow From Continuing Operating Activities
-22.12
-414.94%
-4.30
-181.15%
-1.53
-74.23%
-0.88
Cash From Discontinued Operating Activities
0.68
-36.16%
1.06
+461.22%
-0.29
0.00
Net Income From Continuing Operations
-22.67
-847.58%
-2.39
+50.02%
-4.79
+70.58%
-16.27
Depreciation Amortization Depletion
3.32
+337.47%
0.76
+408.72%
0.15
-90.20%
1.52
Depreciation And Amortization
3.32
+337.47%
0.76
+408.72%
0.15
-90.20%
1.52
Other Non Cash Items
1.75
+153.52%
-3.28
-263.30%
2.01
+4.86%
1.92
Stock Based Compensation
4.30
0.00
0.00
-100.00%
0.00
Provisionand Write Offof Assets
-0.03
0.00
+100.00%
-0.00
+95.74%
-0.05
Asset Impairment Charge
—
3.36
+889.97%
0.34
-95.53%
7.58
Operating Gains Losses
-4.51
-249.46%
-1.29
-243.09%
-0.38
-748.28%
0.06
Gain Loss On Sale Of PPE
-5.38
-611.23%
-0.76
0.00
—
Change In Working Capital
-4.29
-325.01%
1.91
+16.99%
1.63
-63.82%
4.50
Change In Receivables
-0.39
0.00
-100.00%
0.23
-52.80%
0.48
Changes In Account Receivables
0.01
0.00
-100.00%
0.23
-52.80%
0.48
Change In Inventory
—
0.50
-36.76%
0.79
-62.68%
2.11
Change In Prepaid Assets
-0.18
-27.27%
-0.14
-815.00%
0.02
+140.00%
-0.05
Change In Payables And Accrued Expense
-0.92
-216.04%
0.79
+2040.54%
0.04
-96.76%
1.14
Change In Accrued Expense
-0.17
-116.10%
1.02
+639.47%
-0.19
-128.11%
0.68
Change In Payable
-0.75
-223.61%
-0.23
-202.64%
0.23
-51.18%
0.47
Change In Account Payable
-0.75
-223.61%
-0.23
-202.64%
0.23
-51.18%
0.47
Change In Other Working Capital
-173.17
-276.14%
-46.04
-65868.57%
0.07
+288.89%
0.02
Change In Other Current Assets
0.17
+135.21%
0.07
0.00
-100.00%
0.99
Change In Other Current Liabilities
170.20
+260.41%
47.23
+8393.71%
0.56
+388.08%
-0.19
Investing Cash Flow
-1.10
-144.57%
-0.45
-533.65%
0.10
+104.49%
-2.32
Cash Flow From Continuing Investing Activities
-0.59
-1131.58%
0.06
+733.33%
-0.01
+99.61%
-2.32
Cash From Discontinued Investing Activities
-0.52
-1.38%
-0.51
-549.56%
0.11
0.00
Net PPE Purchase And Sale
-0.01
0.00
+100.00%
-0.01
+99.61%
-2.32
Purchase Of PPE
-0.01
0.00
+100.00%
-0.06
+97.60%
-2.50
Sale Of PPE
—
0.00
-100.00%
0.05
-71.67%
0.18
Capital Expenditure
-0.25
-246.48%
-0.07
-18.33%
-0.06
+97.60%
-2.50
Net Business Purchase And Sale
-0.27
-308.59%
0.13
0.00
—
Purchase Of Business
-0.27
-105.38%
-0.13
0.00
—
Net Intangibles Purchase And Sale
-0.23
-225.35%
-0.07
0.00
—
Purchase Of Intangibles
-0.23
-225.35%
-0.07
0.00
—
Net Other Investing Changes
-0.07
—
—
—
Financing Cash Flow
24.89
+442.16%
4.59
+225.07%
1.41
+120.28%
0.64
Cash Flow From Continuing Financing Activities
24.89
+442.16%
4.59
+225.07%
1.41
+120.28%
0.64
Net Issuance Payments Of Debt
2.10
+23.10%
1.71
+10587.50%
0.02
-96.39%
0.44
Issuance Of Debt
9.37
+182.67%
3.31
+5816.07%
0.06
-99.30%
8.00
Repayment Of Debt
-7.26
-352.90%
-1.60
-3907.50%
-0.04
+99.47%
-7.56
Long Term Debt Issuance
9.37
+182.67%
3.31
+5816.07%
0.06
-99.30%
8.00
Long Term Debt Payments
-7.26
-352.90%
-1.60
-3907.50%
-0.04
+99.47%
-7.56
Net Long Term Debt Issuance
2.10
+23.10%
1.71
+10587.50%
0.02
-96.39%
0.44
Short Term Debt Issuance
—
—
—
0.00
Short Term Debt Payments
—
0.00
+100.00%
-0.04
+98.59%
-2.84
Net Short Term Debt Issuance
—
0.00
+100.00%
-0.04
+98.59%
-2.84
Net Common Stock Issuance
14.51
+2085.84%
0.66
-52.44%
1.40
+605.05%
0.20
Repurchase Of Capital Stock
-2.00
0.00
—
—
Proceeds From Stock Option Exercised
0.03
0.00
—
0.00
Net Other Financing Charges
6.97
—
—
—
Changes In Cash
2.34
+158.34%
0.91
+395.75%
-0.31
+88.01%
-2.55
Effect Of Exchange Rate Changes
-0.01
+58.82%
-0.03
0.00
—
Beginning Cash Position
0.87
0.00
-100.00%
0.61
-81.32%
3.28
End Cash Position
3.19
+266.82%
0.87
+184.64%
0.31
-57.68%
0.72
Free Cash Flow
-21.69
-556.28%
-3.31
-75.61%
-1.88
+44.22%
-3.37
Interest Paid Supplemental Data
0.21
+696.30%
0.03
-96.38%
0.75
-22.21%
0.96
Income Tax Paid Supplemental Data
0.00
0.00
0.00
—
Change In Interest Payable
0.16
-83.88%
1.00
+84.32%
0.54
—
Common Stock Issuance
14.51
+2085.84%
0.66
-52.44%
1.40
+605.05%
0.20
Earnings Losses From Equity Investments
0.27
+358.62%
0.06
0.00
—
Interest Paid CFO
—
0.00
+100.00%
-0.49
-228.86%
-0.15
Issuance Of Capital Stock
17.78
+517.36%
2.88
+106.30%
1.40
+605.05%
0.20
Net Preferred Stock Issuance
1.27
-42.87%
2.22
0.00
—
Preferred Stock Issuance
3.27
+47.38%
2.22
0.00
—
Preferred Stock Payments
-2.00
0.00
—
—
Sale Of Business
0.00
-100.00%
0.26
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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