Beeline Holdings, Inc.
Beeline Holdings, Inc. is classified under Financials / Banks and appears not currently profitable on the latest normalized snapshot.
Business. Beeline Holdings, Inc. (Nasdaq: BLNE) is a financial services company operating in the consumer lending industry. The firm generates revenue primarily through interest income, consistent with standard banking activities. Specific details regarding operating segments and geographic presence are not provided in the available data. The company is headquartered in the United States and trades on the Nasdaq stock exchange.
Analyst recommendations
1 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
1Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Beeline Holdings, Inc. (Nasdaq: BLNE) is a financial services company operating in the consumer lending industry. The firm generates revenue primarily through interest income, consistent with standard banking activities. Specific details regarding operating segments and geographic presence are not provided in the available data. The company is headquartered in the United States and trades on the Nasdaq stock exchange.
Beeline Holdings, Inc. (BLNE) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.89 (rule-based classification). Capital structure on the latest snapshot: total assets 70,256,000 USD, total equity 50,902,000, short-term debt 0, long-term debt 0. Net cash position is approximately 1,906,000 USD. Self-calculated market cap is 41,695,787 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 2,696,000, gross profit 0, operating income -5,167,000, net income -5,278,000. Return on equity ~-45.5%. Return on assets ~-33.0%. Operating-cash-flow to net-income ratio is 0.93. Risk profile from automated assessment: liquidity risk high, dilution risk medium. Flags: Current ratio is close to the minimum comfort range.; Filings reference going-concern or substantial-doubt language.; Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] ha_price_listing: ha_price_listing fired on BLNE — basis={'bars_asof': '2026-06-12', 'basis_date': '2026-07-17', 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0}; source=ha_price_level; ticker=BLNE; metrics={'bars_asof': '2026-06-12', 'ref_price': 0.94, 'basis_date': '2026-07-17', 'thresholds': {'min_bid': 1.0, 'low_price': 0.1, 'near_band': 1.1, 'deficiency_days': 30}, 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0, 'consecutive_days_below_1': 0}; summary=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; detector=broker_read_plane; severity=high; company_id=f1c8d7d1-48d9-4876-87dc-9845518e5e12; transition={'to': 'below_1', 'from': 'near_1'}; watcher_kind=ha_price_listing; event_context=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; contributing_watchers=ha_price_listing (source=ha_price_level; url=plv:listing:below_1:2026-07-17). Additional context: ha_price_listing: basis={'bars_asof': '2026-06-12', 'basis_date': '2026-07-17', 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0}; source=ha_price_level; ticker=BLNE; metrics={'bars_asof': '2026-06-12', 'ref_price': 0.94, 'basis_date': '2026-07-17', 'thresholds': {'min_bid': 1.0, 'low_price': 0.1, 'near_band': 1.1, 'deficiency_days': 30}, 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0, 'consecutive_days_below_1': 0}; summary=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; detector=broker_read_plane; severity=high; company_id=f1c8d7d1-48d9-4876-87dc-9845518e5e12; transition={'to': 'below_1', 'from': 'near_1'}; watcher_kind=ha_price_listing; event_context=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; contributing_watchers=ha_price_listing. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
- Return on equity is about -45.5%.
- Debt to equity is about 0.0x.
- [TRIGGER] ha_price_listing: ha_price_listing fired on BLNE — basis={'bars_asof': '2026-06-12', 'basis_date': '2026-07-17', 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0}; source=ha_price_level; ticker=BLNE; metrics={'bars_asof': '2026-06-12', 'ref_price': 0.94, 'basis_date': '2026-07-17', 'thresholds': {'min_bid': 1.0, 'low_price': 0.1, 'near_band': 1.1, 'deficiency_days': 30}, 'quote_as_of': '2026-07-17T21:35:59Z', 'basis_source': 'broker_quote', 'staleness_days': 0, 'consecutive_days_below_1': 0}; summary=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; detector=broker_read_plane; severity=high; company_id=f1c8d7d1-48d9-4876-87dc-9845518e5e12; transition={'to': 'below_1', 'from': 'near_1'}; watcher_kind=ha_price_listing; event_context=BLNE price below 1 ($0.94) — US continued-listing minimum-bid threshold; contributing_watchers=ha_price_listing (source=ha_price_level; url=plv:listing:below_1:2026-07-17)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
- Companyfacts coverage was partial; recent filing facts backfilled inventory.
- and Subsidiaries Consolidated Statements of Changes in Equity For the Three Months Ended March 31, 2026 and 2025 (Dollars in thousands, except share amounts) (Unaudited) Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Issued Capital Deficit Loss Interest Equity Common Stock Series A Preferred Stock Series B Preferred Stock Series D Preferred Stock Series E Preferred Stock Series F Preferred Stock Series F1 Preferred Stock Series G Preferred Stock Stock to be Additional Paid-in Accumulated Accumulated Other Comprehensive Non-Controlling Total Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Shares Amount Issued Capital Deficit Loss Interest Equity Balance, December 31, 2024 468,950 $ - - $ - 2,500,000 $ - 255,474 $ - 200,000 $ - 69,085,562 $ 7 517,775 $ - 5,308,239 $ 1 $ 205 $ 141,877 $ ( 94,189 ) $ ( 34 ) $ 1,101 $ 48,968 Issuance of stock for services by third parties - - - - - - - - - - - - - - 264,796 - ( 125 ) 125 - - - - Issuance of stock related to settlement 13,115 - - - - - - - - - - - - - - - ( 80 ) 80 - - - - Issuance of common stock for services by employees - - - - - - - - - - - - - - - - 14 116 - - - 130 Conversion of preferred shares 6,247,126 1 - - - - - - - - ( 57,020,394 ) ( 6 ) ( 421,186 ) - ( 3,980,664 ) - - 6 - - - 1 Series G Preferred Stock issued for cash, net of offering costs - - - - - - ( 188,808 ) - - - - - - - 6,417,159 - - 3,266 - - - 3,266 ELOC shares issued for cash, net of offering costs 1,090,622 - - - - - - - - - - - - - - - - 1,978 - - - 1,978 Note payable, related party converted to preferred shares - - - - - - - - - - - - - - 1,372,549 - - 700 - - - 700 Preferred stock dividends - - - - - - - - - - - - - - - - - - ( 38 ) - - ( 38 ) Foreign currency translation adjustments - - - - - - - - - - - - - - - - - - - 17 - 17 Deemed dividend-price protection, revaluation adjustment - - - - - - - - - - - - - - - - - 4,588 ( 4,588 ) - - - Net loss - - - - - - - - - - - - - - - - - - ( 6,822 ) - ( 105 ) ( 6,927 ) Balance, March 31, 2025 7,819,813 $ 1 - $ - 2,500,000 $ - 66,666 $ - 200,000 $ - 12,065,168 $ 1 96,589 $ - 9,382,079 $ 1 $ 14 $ 152,736 $ ( 105,637 ) $ ( 17 ) $ 996 $ 48,095 Balance, December 31, 2025 27,904,433 $ 3 6,425,102 $ 1 2,500,000 $ - - $ - - $ - 1,515,251 $ - 11,292 $ - 926,864 $ - $ - $ 179,354 $ ( 125,702 ) $ ( 48 ) $ - $ 53,608 Balance 27,904,433 $ 3 6,425,102 $ 1 2,500,000 $ - - $ - - $ - 1,515,251 $ - 11,292 $ - 926,864 $ - $ - $ 179,354 $ ( 125,702 ) $ ( 48 ) $ - $ 53,608 Stock-based compensation expense - - - - - - - - - - - - - - - - - 793 - - - 793 Issuance of common stock for option exercises 1,875 - - - - - - - - - - - - - - - - 2 - - - 2 Issuance of restricted stock awards - - - - - - - - - - - - - - - - - 184 - - - 184 Issuance of common stock for services by employees 100,000 - - - - - - - - - - - - - - - - - - - - - Warrants exercised related to Series G Preferred Stock 452,475 - - - - - - - - - - - - - - - - 232 - - - 232 ELOC shares issued for cash, net of offering costs 444,444 - - - - - - - - - - - - - - - - 945 - - - 945 ATM shares issued for cash, net of offering costs 163,112 - - - - - - - - - - - - - - - - 447 - - - 447 Conversion of preferred shares 1,581,030 - ( 6,425,102 ) ( 1 ) - - - - - - ( 256,242 ) - ( 1,910 ) - ( 235,293 ) - - 1 - - - - Preferred stock dividends - - - - - - - - - - - - - - - - - - ( 38 ) - - ( 38 ) Foreign currency translation adjustments - - - - - - - - - - - - - - - - - - - 7 - 7 Net loss - - - - - - - - - - - - - - - - - - ( 5,278 ) - - ( 5,278 ) Balance, March 31, 2026 30,647,369 $ 3 - $ - 2,500,000 $ - - $ - - $ - 1,259,009 $ - 9,382 $ - 691,571 $ - $ - $ 181,958 $ ( 131,018 ) $ ( 41 ) $ - $ 50,902 Balance 30,647,369 $ 3 - $ - 2,500,000 $ - - $ - - $ - 1,259,009 $ - 9,382 $ - 691,571 $ - $ - $ 181,958 $ ( 131,018 ) $ ( 41 ) $ - $ 50,902 The accompanying notes are an integral part of these unaudited consolidated financial statements.
Bull / Bear case
Generated · model-assistedThe single analyst strong buy rating implies 216.9% upside to a $4.50 target price from the current $1.42 market price.
Beeline Holdings maintains a zero debt-to-equity ratio, significantly lower than the 1.18 median for the Consumer Lending cohort.
The company's cash conversion ratio of 0.93 exceeds the 0.16 median for the Consumer Lending peer group.
Total assets grew at a 95.1% CAGR over five years, indicating significant balance sheet expansion despite recent revenue declines.
Equity expanded with a 649.1% CAGR over five periods, suggesting substantial capital accumulation or issuance history.
The company faces high liquidity risk and medium dilution risk, signaling potential solvency and shareholder value erosion concerns.
Beeline Holdings recorded a net loss of $11.3 million in FY2025, resulting in a negative net margin of -2.98%.
Operating income deteriorated to a $5.2 million loss in FY2025, reflecting severe operational inefficiencies and margin compression.
In focus — financials by report
Revenue $2.7M; Operating income -$5.2M.
- ▍Revenue $2.7M
- ▍Operating income -$5.2M
- ▍Net margin -195.8%
Revenue $5.4M; Operating income -$11.5M.
- ▍Revenue $5.4M
- ▍Operating income -$11.5M
- ▍Net margin -273.8%
Revenue $3.1M; Operating income -$8.6M.
- ▍Revenue $3.1M
- ▍Operating income -$8.6M
- ▍Net margin -355.3%
Revenue $7.8M; Operating income -$19.5M.
- ▍Revenue $7.8M
- ▍Operating income -$19.5M
- ▍Net margin -298.2%
Revenue $3.8M; Operating income -$9.0M.
- ▍Revenue $3.8M
- ▍Operating income -$9.0M
- ▍Net margin -300.5%
Revenue $1.1M; Operating income -$5.2M.
- ▍Revenue $1.1M
- ▍Operating income -$5.2M
- ▍Net margin -1021.0%
Revenue $10.5M; Operating income -$4.8M.
- ▍Revenue $10.5M
- ▍Operating income -$4.8M
- ▍Net margin -71.8%
Revenue $3.8M; Operating income -$2.4M.
- ▍Revenue $3.8M
- ▍Operating income -$2.4M
- ▍Net margin -199.0%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | -0,01 |
| Revenue | —no estimate | —no estimate | 28,0M USD |
| Operating income | —no estimate | —no estimate | -2,5M USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Current ratio is close to the minimum comfort range.
- Filings reference going-concern or substantial-doubt language.
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Chief Financial Officer · Stock Options (Right to Buy) → Common StockAcquired 75 000 @ $2,21grant · 2026-04-02
- Director, Chief Executive Officer, 10% owner · Series G Convertible Preferred Stock → Common StockDisposed 2 333 629 @ $1,67conversion · 2025-10-10
- Director, Chief Executive Officer, 10% owner · Stock Options (Right to Buy) → Common StockAcquired 50 000 @ $0,92grant · 2025-10-02
- Chief Accounting Officer · Stock Options (Right to Buy) → Common StockAcquired 35 000 @ $0,92grant · 2025-10-02
- Chief Financial Officer · Stock Options (Right to Buy) → Common StockAcquired 235 000 @ $0,92grant · 2025-10-02
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Beeline Holdings, Inc. company facts · 2026-07-18
- Beeline Holdings, Inc. 10-Q 2026-05-15 · 2026-07-18
- Beeline Holdings, Inc. 10-K 2026-03-31 · 2026-07-18
- Beeline Holdings, Inc. 10-Q 2025-11-14 · 2026-07-18
- Beeline Holdings, Inc. 10-Q 2025-08-14 · 2026-07-18
- ha_price_listing fired on BLNE · 2026-07-18
- Beeline Holdings Inc Market data — analyst estimates · 2026-07-18
- Beeline Holdings, Inc. HA canonical relationships · 2026-07-18
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2025-12-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
- Director · Common StockOther 30 000 · 2026-05-29
- Director · Common StockOther 10 000 · 2026-05-28
- Director · Common StockOther 10 000 · 2026-05-28
- Director · Common StockOther 10 000 · 2026-05-28
- Director · Common StockOther 10 000 · 2026-05-28
- Chief Financial Officer · Common StockBought 10 000 @ $1,04$10K · 2026-05-19
- Chief Accounting Officer · Common StockBought 5 000 @ $1,02$5K · 2026-05-19
- Chief Accounting Officer · Common StockBought 10 000 @ $1,02$10K · 2026-05-19
- Director, Chief Executive Officer, 10% owner · Common StockBought 51 525 @ $1,04$54K · 2026-05-19
- Director, Chief Executive Officer, 10% owner · Common StockOther 70 454 · 2026-05-14
- Director · Common StockOther 7 010 · 2026-04-08
- Director · Common StockOther 30 000 · 2025-12-16
- Director · Common StockBought 1 000 @ $1,85$2K · 2025-11-26
- Director · Common StockBought 3 000 @ $1,46$4K · 2025-11-21
- Chief Financial Officer · Common StockBought 20 000 @ $1,68$34K · 2025-11-19
- Director · Common StockBought 7 000 @ $1,62$11K · 2025-11-19
- Director, Chief Executive Officer, 10% owner · Common StockOther 2 333 629 @ $1,67$3,9M · 2025-10-10
- Director · Common StockOther 76 463 · 2025-10-02
- Director · Common StockOther 157 971 · 2025-10-02
- Director · Common StockOther 30 000 · 2025-10-02
- Director · Common StockOther 98 984 · 2025-10-02
- Director · Common StockOther 30 000 · 2025-10-02
- Director · Common StockOther 40 000 · 2025-10-02
- Director · Common StockOther 88 913 · 2025-10-02
- Director, Chief Executive Officer, 10% owner · Common StockOther 9 000 · 2025-09-23
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Debt-to-equity (FY 2025-12-31): 0.31xDerived (calculated)
- Current ratio (FY 2025-12-31): 1.19xDerived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 95.2%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 5.6%Derived (calculated)
- Net margin (FY 2025-12-31): -298.2%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 12.0%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 600.0%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): -276.9%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -563.1%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -104.4%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 95.2%Derived (calculated)
- Return on assets (FY 2025-12-31): -33.0%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -5.3%Derived (calculated)
- Return on equity (FY 2025-12-31): -43.2%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 3,730.0%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2023-12-31): -75.0%Derived (calculated)
- Cash & equivalents (annual): USD 3.06MSEC XBRL filing
- Capex (annual): USD 15KSEC XBRL filing
- Total liabilities (annual): USD 16.61MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES -2SEC XBRL filing
- Pre-tax income (annual): USD -22.67MSEC XBRL filing
- Total operating expenses (annual): USD 27.31MSEC XBRL filing
- Net income (annual): USD -23.17MSEC XBRL filing
- Shareholders' equity (annual): USD 53.61MSEC XBRL filing