OakChart

Blend Labs Inc

BLNDTechnology·Software - Application·USA·Micro·NYSE·Nov 11 • 3:59 PM ET

1.05-0.03 (-2.78%)
2026-11-12 02:09 CET
Market cap
250.18 USD m
Revenue, TTM
129.96 USD m
Net income, TTM
-33.54 USD m
Free cash flow, TTM
13.41 USD m
EPS diluted, TTM
-0.13
P/E
-
Compare

Price

BLND against its 20, 50 and 200-day averages
2050200miss
1.001.502.002.508.7M17.5MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26BLNDclose 1.0520-day 1.1050-day 1.16200-day 1.551.0552w low

69.4% under the 52-week high of 3.44 on 9 Jan 2026. 52-week low 0.85 on 6 Nov 2026. Last 15 sessions, 52.2% high to low

Volume 0.37× normal · the line is the 50-bar volume average

Profile

BLND
52-week range, 8% of the way up
0.853.43

Blend Labs, Inc. is a digital origination platform serving banks, credit unions, and mortgage lenders. It operates through the Blend Platform and Title segments. The Blend Platform segment consists of a suite of products that power the entire origination process from back-end workflows to consumer experience. The Title segment includes a suite of title products and services, such as instant title and other title search options, insurance solutions, closing and settlement services, including mobile signing and e-sign capabilities, and various post-closing solutions, such as disbursement and recording handling. The company was founded by Nima Ghamsari, Rosco Hill, Eugene Marinelli, and Erin James Collard on April 17, 2012 and is headquartered in Novato, CA.

IndexRUT
Employees419
IPOJul 16, 2021
Beta1.03
ATR, 14d0.11
Rel volume0.37
Short float4.02%
Insider own22.55%
Inst own53.33%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap250.18M
Enterprise Value380.29M
Income-33.54M
Sales129.96M
Book/sh-0.32
Cash/sh0.19
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees419
IPOJul 16, 2021

Ratios

P/E-
Forward P/E31.50
PEG0.27
P/S1.93
P/B-
P/C5.43
P/FCF18.66
EV/EBITDA-
EV/Sales2.93
Quick Ratio1.67
Current Ratio1.67
Debt/Eq0.02
LT Debt/Eq0.02
Option/ShortYes / Yes

Earnings

EPS (ttm)-0.13
EPS next Y0.03
EPS next Q0.00
EPS this Y350.00%
EPS next Y-25.93%
EPS next 5Y115.44%
EPS past 3/5Y68.77% 21.70%
Sales past 3/5Y-19.31% 5.18%
EPS Y/Y TTM-36.75%
Sales Y/Y TTM-1.96%
EPS Q/Q-218.25%
Sales Q/Q0.15%
EarningsNov 05 AMC
EPS/Sales Surpr.-100.00% 1.37%

Ownership

Insider Own22.55%
Insider Trans16.38%
Inst Own53.33%
Inst Trans-10.77%
ROA-18.96%
ROE-74.16%
ROIC-33.81%
Gross Margin73.90%
Oper. Margin-9.40%
Profit Margin-25.81%
SMA20-4.27%
SMA50-9.16%
SMA200-32.13%
Trades-

Technical

Shs Outstand235.01M
Shs Float184.53M
Short Float4.02%
Short Ratio3.85
Short Interest7.42M
52W High3.43 -69.43%
52W Low0.85 22.98%
Volatility13.86% 10.07%
ATR (14)0.11
RSI (14)45.79
Beta1.03
Rel Volume0.37
Avg Volume1.93M
Volume715,374

Performance

Perf Week-17.97%
Perf Month10.01%
Perf Quarter-32.26%
Perf Half Y-28.08%
Perf YTD-65.46%
Perf Year-65.00%
Perf 3Y-13.22%
Perf 5Y-91.90%
Perf 10Y-
Recom1.33
Target Price2.19
Prev Close1.08
Price1.05
Change %-2.78%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Dec 18, 2024InitiatedJJMP SecuritiesMkt Outperform$7+566.7%
Aug 12, 2024UpgradeCCanaccord GenuityHold → Buy$3 → $4.75+352.4%
Aug 09, 2024UpgradeWWilliam BlairMkt Perform → Outperform
Dec 20, 2023UpgradeWWells FargoEqual Weight → Overweight$1.50 → $3.50+233.3%
Nov 14, 2022UpgradeKKeefe BruyetteUnderperform → Mkt Perform$2.25+114.3%
Jul 25, 2022DowngradeKKeefe BruyetteMkt Perform → Underperform$4 → $2.75+161.9%
Jul 07, 2022DowngradeKKeyBanc Capital MarketsOverweight → Sector Weight
May 25, 2022InitiatedCCompass PointNeutral$4.20+300.0%
Apr 04, 2022DowngradeWWilliam BlairOutperform → Mkt Perform
Apr 01, 2022DowngradeWWells FargoOverweight → Equal Weight$11 → $5+376.2%

Peers

Mkt cap
TickerCompanyMkt cap
NCNONcino Inc2.37B
ALKTAlkami Technology Inc1.51B
QTWOQ2 Holdings Inc4.58B
ICEIntercontinental Exchange Inc100.92B
JKHYJack Henry & Associates Inc12.25B
FISFidelity National Information Services Inc15.57B
BETRBetter Home & Finance Holding Co291.57M
FISVFiserv Inc34.00B
UPSTUpstart Holdings Inc2.03B
BLNEBeeline Holdings Inc21.71M

Insider trading

latest 14 of 67
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Ghamsari NimaOfficerNov 09 '26Proposed Sale0.9625,51124,615Nov 09 04:19 PM
Ghamsari NimaHEAD OF BLENDNov 02 '26Sale1.1622,32225,7827,707,003Nov 04 04:15 PM
Ghamsari NimaOfficerNov 02 '26Proposed Sale1.1622,32225,784Nov 02 04:07 PM
Ghamsari NimaHEAD OF BLENDOct 26 '26Sale1.1221,36823,9117,729,325Oct 28 04:10 PM
Ghamsari NimaOfficerOct 26 '26Proposed Sale1.1221,36823,903Oct 26 04:27 PM
Ghamsari NimaHEAD OF BLENDOct 19 '26Sale0.9227,77525,6647,750,693Oct 21 04:20 PM
Ghamsari NimaOfficerOct 19 '26Proposed Sale0.9227,77525,676Oct 19 04:02 PM
Ghamsari NimaHEAD OF BLENDOct 12 '26Sale0.9725,09824,4717,778,468Oct 14 05:00 PM
Ghamsari NimaOfficerOct 12 '26Proposed Sale0.9825,09824,474Oct 13 11:02 AM
Ghamsari NimaHEAD OF BLENDOct 05 '26Sale1.0224,27224,6607,803,566Oct 07 04:10 PM
Ghamsari NimaOfficerOct 05 '26Proposed Sale1.0224,27224,649Oct 05 04:03 PM
Ghamsari NimaHEAD OF BLENDSep 28 '26Sale1.1022,52324,8207,827,838Sep 30 04:15 PM
Ghamsari NimaOfficerSep 28 '26Proposed Sale1.1022,52324,816Sep 28 04:03 PM
Ghamsari NimaHEAD OF BLENDSep 21 '26Sale1.1921,00925,0227,850,361Sep 23 04:15 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
BAIVBrown Advisory International Value Select ETFAUM: 196.90M
VGTVanguard Information Technology ETFAUM: 138.05B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
IWCiShares Micro-Cap ETFAUM: 1.22B
PRFZInvesco RAFI US 1500 Small-Mid ETFAUM: 2.66B

News

latest 14 of 200
  • Blend Labs Posts Its Best Sales Quarter In Three Years, But A Mortgage Downturn Pushes Q4 Guidance Into Decline (Earnings Whispers) -10.94% -13.71%
  • Blend Labs: Q3 Earnings Snapshot (Associated Press)
  • Blend Announces Third Quarter 2026 Financial Results (Business Wire)
  • Blend Labs Must Show Autopilot Traction Can Outrun Churn And A Shrinking Mortgage Market (Earnings Whispers)
  • Blend to Announce Third Quarter 2026 Financial Results on November 5, 2026 (Business Wire) +5.41%
  • Blend Autopilot Gains Momentum as Tenth Lender Signs On (Business Wire)
  • Factual Data Brings its Affordable Credit Data Preview Tool into Blend (Business Wire)
  • Blend and Alliant Credit Union Partner to Reimagine the Journey to Homeownership (Business Wire)
  • Alliant Credit Union Partners with Blend to Reinvent the Digital Home Lending Experience (PR Newswire)
  • Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 (Business Wire)
  • Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending (Business Wire)
  • Frost Bank Teams with Blend to Speed Up Account Opening and Boost Completion Rates by 60% (Business Wire)
  • Blend And Prove Cut Application Drop-Off By 16% For Banks And Credit Unions (Business Wire) +10.71%
  • Blend Labs Inc (BLND) (Q2 2026) Earnings Call Highlights: AI Autopilot Gains Traction Amid ... (GuruFocus.com) -16.41%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-050.0000.003-0.03032.9132.476
2026Q22026-08-060.0270.016-0.02733.8433.085
2026Q12026-05-070.0000.004-0.05030.8430.025
2025Q42026-03-100.0000.001-0.02832.3731.785
2025Q32025-11-060.0000.0100.02532.8632.806
2025Q22025-08-070.0000.019-0.04331.5231.555
2025Q12025-05-08-0.010-0.008-0.05726.7737.865
2024Q42025-02-270.0000.008-0.02541.4141.396
2024Q32024-11-060.000-0.022-0.03245.1841.915
2024Q22024-08-08-0.020-0.047-0.09340.4838.974
2024Q12024-05-08-0.060-0.073-0.08834.9534.546
2023Q42024-03-14-0.070-0.087-0.12836.1037.566
2023Q32023-11-07-0.090-0.091-0.17540.5940.266
2023Q22023-08-09-0.090-0.129-0.17542.8240.117
2023Q12023-05-09-0.150-0.182-0.28037.3433.728
2022Q42023-03-16-0.210-0.164-0.34742.7944.927

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2021FY-0.880-0.494-0.744363.6366.6
2022FY-0.780-0.672-3.282235.2237.39
2023FY-0.400-0.413-0.756156.85156.94
2024FY-0.120-0.068-0.238162.02161.99
2025FY0.0100.020-0.100123.51122.96
2026FY-0.045--126.09
2027FY-0.033--126.29
2028FY-0.100--141.94

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0660628.4928.2028.79
2026Q4S2026-10-2660031.0130.0032.58
2026Q4S2026-10-2160131.0130.0032.58
2026Q4S2026-08-1260531.0130.0032.58
2026Q4S2026-08-0760431.5630.0034.10
2026Q4S2026-07-2860033.4531.1034.80
2026Q4S2026-07-2260133.4531.1034.80
2026Q4S2026-05-1460633.4531.1034.80
2026Q4S2026-05-0860633.6031.1035.00
2026Q4S2026-03-2760435.1833.6036.80
2026Q4S2026-03-1370535.7133.6038.88
2026Q4S2026-03-1160435.8333.6038.88
2026Q4S2026-01-2160039.3736.7742.05
2026Q4S2026-01-1860339.3736.7742.05

Estimate history

EPS, annual-0.371-0.34-0.744-3.282-0.756-0.238-0.1-0.1347
Period2019202020212022202320242025TTM
EPS, quarterly-0.032-0.025-0.057-0.0430.025-0.028-0.05-0.027-0.03
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual50.67196.029234.495235.201156.846115.762123.585129.96
Period2019202020212022202320242025TTM
Sales, quarterly45.18441.40826.7731.52332.8632.36830.84333.83732.91
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual219.594219.594230.324240.931249.91258.173256.043238.27
Period2019202020212022202320242025MRQ
Shares, quarterly255.881258.173258.825260.051260.1256.043247.336236.513238.27
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Total Revenue129.96123.58115.76156.85235.20234.5096.0350.67
Cost of Goods Sold Incl. D&A33.9234.0433.6175.71153.96126.6434.2919.55
Gross Profit96.0489.5482.1581.1481.24107.8561.7431.12
Selling, General and Administrative Excl. Other108.26110.41125.12212.41362.46296.60137.03112.85
Research and Development35.3332.8446.0981.59138.0992.2255.5048.60
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-12.22-20.86-42.96-131.27-281.22-188.74-75.29-81.72
Interest Expense-0.006.7530.8124.7911.28--
Unusual Expense-0.10-16.516.9424.95464.958.500.000.00
Net Income Before Taxes-10.96-0.88-42.65-179.78-766.05-208.03-74.59-81.44
Income Taxes0.440.250.110.09-2.24-38.890.030.01
Consolidated Net Income-31.60-20.21-59.90-186.51-812.25-170.57-74.62-81.45
Net Income From Continuing Operations-31.60-20.03-59.82-185.32-768.61-171.34-74.62-81.45
Net Income-33.54-25.89-60.48-185.32-768.61-171.34-74.62-81.45
EPS (Recurring)-0.14-0.14-0.22-0.68-1.89-0.72-0.34-0.37
EPS (Basic, Before Extraordinaries)-0.13-0.10-0.24-0.76-3.28-0.74-0.34-0.37
EPS (Diluted)-0.13-0.10-0.24-0.76-3.28-0.74-0.34-0.37
EBITDA-4.61-15.42-38.49-125.51-266.81-174.93-68.94-76.96
Non-Operating Income (Expense)1.163.4814.007.254.920.490.700.28
Other After Tax Adjustments-19.48-19.09-17.14-6.63-48.44-1.43--
Stock Option Compensation Expense21.5422.8722.0736.3686.6651.727.397.22
Price To Sales Ratio1.886.379.233.991.437.21--
Gross Margin73.9072.4570.9751.7334.5445.9964.2961.42
Operating Margin-9.40-16.88-37.11-83.70-119.57-80.49-78.40-161.28
Net Margin-25.81-20.95-52.25-118.15-326.79-73.07-77.70-160.75
Shares Outstanding238.27256.04258.17249.91240.93230.32219.59219.59
Market Capitalization250.18250.181,077.47632.91334.961,666.761,703.09-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue32.9133.8430.8432.3732.8631.5226.7741.41
Cost of Goods Sold Incl. D&A9.158.957.488.348.408.227.8116.97
Gross Profit23.7624.8923.3624.0324.4623.3018.9624.44
Selling, General and Administrative Excl. Other26.4026.4627.7627.6329.2727.9025.9326.11
Research and Development8.428.689.418.818.527.337.528.86
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-2.65-1.57-4.40-3.60-4.82-4.60-6.97-1.67
Interest Expense0.000.00-0.00--0.00-
Unusual Expense0.000.000.66-0.770.090.030.720.12
Net Income Before Taxes-2.33-1.35-5.02-2.2512.44-3.61-6.58-0.68
Income Taxes0.110.120.060.150.030.040.030.03
Consolidated Net Income-7.57-6.74-10.20-7.106.65-8.02-12.06-6.39
Net Income From Continuing Operations-7.57-6.74-10.20-7.106.65-8.02-11.88-6.51
Net Income-7.08-6.41-12.78-7.286.77-11.02-14.69-6.51
EPS (Recurring)-0.03-0.03-0.05-0.030.03-0.04-0.05-0.03
EPS (Basic, Before Extraordinaries)-0.03-0.03-0.05-0.030.03-0.04-0.06-0.03
EPS (Diluted)-0.03-0.03-0.05-0.030.03-0.04-0.06-0.03
EBITDA-0.730.35-2.46-1.77-3.20-3.43-6.17-0.70
Non-Operating Income (Expense)0.320.220.040.5817.351.021.111.10
Other After Tax Adjustments-5.13-4.93-4.73-4.70-5.76-4.38-5.46-5.68
Stock Option Compensation Expense4.775.515.365.916.145.974.784.79
Price To Sales Ratio1.883.163.416.357.405.905.646.67
Gross Margin72.1973.5475.7574.2574.4273.9370.8259.02
Operating Margin-8.04-4.65-14.26-11.12-14.66-14.58-26.05-4.04
Net Margin-21.50-18.94-41.44-22.4820.61-34.96-54.86-15.71
Shares Outstanding238.27236.51247.34256.04260.10260.05258.82258.17
Market Capitalization250.18414.02437.09789.63946.53853.13869.871,077.47

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Cash & Short Term Investments68.3299.27136.92354.15547.23151.90127.89
Short Term Receivables14.0517.2019.9423.9739.4424.2210.84
Inventories0.000.000.000.000.000.000.00
Other Current Assets13.6817.5011.9614.4621.795.182.87
Total Current Assets96.05133.97168.82392.58608.45181.29141.59
Net Property, Plant & Equipment24.3912.0112.5117.4120.8717.282.96
Total Investments and Advances40.079.807.295.365.365.025.20
Long-Term Note Receivable0.0010.50-----
Intangible Assets-2.082.112.13460.241.214.14
Deferred Tax Assets8.263.86-5.67---
Other Assets9.5311.8115.3415.2917.5710.957.41
Total Assets178.31181.95206.06438.441,112.49215.75161.30
Short Term Debt Incl. Current Port. of LT Debt0.252.664.384.093.862.580.00
Accounts Payable1.831.622.171.266.163.443.14
Other Current Liabilities37.3734.7425.0230.1250.0129.0118.59
Total Current Liabilities39.4539.0231.5735.4760.0335.0321.73
Long Term Debt1.220.00145.32227.89228.4514.000.00
Provision for Risks Charges0.000.000.000.000.000.000.00
Deferred Tax Liabilities8.263.86-5.672.86--
Other Liabilities0.351.382.235.4810.553.384.60
Total Liabilities49.2944.26179.12274.51301.8952.4126.33
Non-Equity Reserves0.000.000.000.000.000.000.00
Preferred Stock - Carrying Value159.50141.660.000.000.00385.23306.82
Common Equity-30.47-56.36-19.24123.17774.64-221.89-171.85
Total Shareholders Equity129.0285.31-19.24123.17774.64163.34134.97
Accumulated Minority Interest0.0052.3846.1940.7535.950.000.00
Total Equity129.02137.6826.95163.92810.59163.34134.97
Total Liabilities & Stockholders Equity178.31181.95206.06438.441,112.49215.75161.30
Book Value Per Share-0.12-0.22-0.080.513.36-1.01-0.78
Tangible Book Value Per Share-0.12-0.22-0.090.501.37-1.02-0.80
Full-Time Employees4195408811,5461,689577-
Price to Book Ratio-3.27-21.72100.471.952.182.06-
Return on Assets-11.24-30.84-57.51-99.12-25.80-39.58-
Return on Equity-55.13-181.11-356.63-171.22-36.53-50.03-
Return on Invested Capital-19.88-70.90-146.99-218.94-17.08-42.08-60.35
Quick Ratio2.433.435.3511.0710.145.186.52
Current Ratio2.433.435.3511.0710.145.186.52

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Net Income-32.88-1.13-42.76-179.88-763.81-169.14-74.62-81.45
Depreciation7.605.454.475.7614.4213.816.354.76
Other Funds (Non Cash)45.688.3516.7050.75563.4640.9014.4913.69
Funds from Operations20.4012.67-21.59-123.37-185.94-114.43-53.78-63.00
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-3.28-1.168.55-4.25-4.48-13.07-11.234.06
Cash from Operating Activities17.1211.51-13.04-127.62-190.42-127.50-65.01-58.94
Capital Expenditures-3.71-11.59-9.74-0.59-2.07-1.89-1.32-0.62
Net Assets From Acquisitions0.000.000.000.000.00-400.010.000.00
Sale of Fixed Assets and Businesses0.000.009.070.000.000.000.000.00
Purchase or Sale of Investments-1.4228.0746.45130.39101.50-229.01-6.59-64.89
Purchase of Investments-11.92-39.48-107.03-236.08-145.54-354.08-173.97-150.74
Sale Or Maturity of Investments10.5067.55153.48366.47247.04125.08167.3785.85
Other Uses-0.01-0.20-0.39-2.500.00-3.000.000.00
Other Sources3.882.250.000.000.000.000.000.00
Cash from Investing Activities-1.2718.5445.40127.3199.43-633.91-7.92-65.51
Cash Dividends Paid0.000.000.000.000.000.000.000.00
Change in Capital Stock-52.73-23.22141.550.272.22711.9090.76132.73
Repurchase of Common Pref Stock-52.97-24.870.000.000.00-0.13-0.02-0.05
Sale of Common Pref Stock0.241.65141.550.272.22712.0390.77132.78
Proceedsfrom Stock Options0.000.00139.900.00-0.39686.6876.25129.64
Issuance or Reduction of Debt, Net0.000.00-144.50-85.060.00218.790.000.00
Change in Long Term Debt0.000.00-144.50-85.060.00218.790.000.00
Issuance of Long Term Debt0.000.000.000.000.00218.790.000.00
Reduction of Long Term Debt0.000.00-144.50-85.060.000.000.000.00
Net Financing Active Other Cash Flow-5.32-9.37-18.11-6.170.002.880.00-0.07
Other Financing Activities Uses-5.32-9.37-18.11-6.170.000.000.00-0.07
Cash from Financing Activities-58.05-32.59-21.06-90.962.22933.5790.76132.67
Exchange Rate Effect-0.030.00-0.01-0.03-0.12-0.01--
Net Change in Cash-42.22-2.5411.28-91.30-88.88172.1517.838.21
Free Cash Flow13.41-0.08-22.79-128.21-192.49-129.24-66.33-59.52
Preferred Dividends (Cash Flow)-0.000.000.000.000.00--
Price to Free Cash Flow18.23-------
Deferred Taxes & Investment Tax Credit-0.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments46.0946.8060.9768.3282.2893.32
Short Term Receivables17.2918.5821.2514.0515.3416.26
Inventories0.000.000.000.000.000.00
Other Current Assets10.538.699.1813.6816.6215.58
Total Current Assets73.9174.0791.4096.05114.23125.16
Net Property, Plant & Equipment23.1423.8923.8924.3924.5522.96
Total Investments and Advances39.3539.3539.6940.0730.3813.80
Intangible Assets----0.070.07
Deferred Tax Assets---8.26--
Other Assets7.416.266.289.539.8410.58
Total Assets143.81143.57161.26178.31189.57183.07
Short Term Debt Incl. Current Port. of LT Debt0.420.410.250.250.300.96
Accounts Payable1.260.420.261.830.771.20
Other Current Liabilities42.5345.8850.9437.3744.5950.58
Total Current Liabilities44.2146.7051.4539.4545.6752.74
Long Term Debt1.501.641.101.22156.10151.66
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---8.26--
Other Liabilities0.400.450.390.350.271.23
Total Liabilities46.1148.7952.9549.29202.05205.64
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value174.28169.15164.23159.500.000.00
Common Equity-76.58-74.37-55.91-30.47-12.48-22.57
Total Shareholders Equity97.7194.78108.31129.02-12.48-22.57
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity97.7194.78108.31129.02-12.48-22.57
Total Liabilities & Stockholders Equity143.81143.57161.26178.31189.57183.07
Book Value Per Share-0.32-0.31-0.23-0.12-0.05-0.09
Tangible Book Value Per Share-0.32-0.31-0.23-0.12-0.05-0.09
Full-Time Employees---419--
Price to Book Ratio-3.27-7.56-14.28-63.33-42.07-50.58
Return on Assets-18.96-10.65-10.68-11.43-10.52-18.82
Return on Equity-74.16-48.15-40.84-56.03--
Return on Invested Capital-7.13-6.65-11.68-5.594.71-8.54
Quick Ratio1.671.591.782.432.502.37
Current Ratio1.671.591.782.432.502.37

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income-2.44-1.81-5.46-23.1716.853.73
Depreciation1.921.921.941.831.621.19
Other Funds (Non Cash)6.177.716.4625.33-14.05-1.07
Funds from Operations5.667.822.933.994.423.85
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-4.790.114.42-3.01-7.91-10.22
Cash from Operating Activities0.867.937.350.98-3.49-6.37
Capital Expenditures-0.77-0.82-1.12-1.00-2.27-3.73
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-1.960.003.03-2.5029.73-7.06
Purchase of Investments-1.960.00-4.97-5.00-6.74-15.87
Sale Or Maturity of Investments0.000.008.002.5036.478.81
Other Uses0.000.000.00-0.01-0.06-0.04
Other Sources0.510.140.972.250.000.00
Cash from Investing Activities-2.22-0.692.89-1.2527.39-10.83
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.00-20.41-16.74-15.58-4.31-1.12
Repurchase of Common Pref Stock0.00-20.41-16.84-15.73-5.03-1.55
Sale of Common Pref Stock0.000.000.100.150.710.43
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net0.000.000.000.000.000.00
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-1.28-0.94-1.13-1.98-1.89-2.53
Other Financing Activities Uses-1.28-0.94-1.13-1.98-1.89-2.53
Cash from Financing Activities-1.28-21.34-17.87-17.56-6.20-3.65
Exchange Rate Effect-0.01-0.02-0.010.000.000.00
Net Change in Cash-2.64-14.12-7.63-17.8417.70-20.85
Free Cash Flow0.097.106.24-0.02-5.76-10.10
Price to Free Cash Flow18.2354.31----

Revenue breakdown

Consumer Banking Suite2024: 33.66M 2025: 45.22M
Mortgage Suite2024: 73.26M 2025: 69.22M
Professional Services2024: 8.85M 2025: 9.14M
United States2024: 115.76M 2025: 123.59M
Blend Platform2024: 115.76M
Total Services-Computer Programming, Data Processing, Etc. revenue2025: 123.59M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.05%7.4M183.2M2.03M
2026-10-154.91%9.0M183.2M2.11M
2026-09-305.88%10.8M183.1M2.23M
2026-09-157.30%12.0M164.2M2.38M
2026-08-317.44%12.3M165.8M2.55M
2026-08-147.23%12.1M166.7M3.03M
2026-07-318.94%12.8M143.0M3.23M
2026-07-158.79%12.9M146.7M3.35M
2026-06-308.88%13.0M146.7M3.66M
2026-06-159.53%14.0M146.7M4.03M
2026-05-298.53%13.4M157.1M4.30M
2026-05-158.37%13.4M159.6M4.02M
2026-04-308.19%14.5M177.4M3.94M
2026-04-157.19%12.8M177.4M4.18M
2026-03-317.98%14.3M178.7M3.96M
2026-03-137.41%13.2M178.7M3.24M
2026-02-278.25%14.9M180.3M3.05M
2026-02-138.03%14.5M180.3M3.38M
2026-01-307.90%15.1M191.2M3.31M
2026-01-157.26%13.9M191.2M3.21M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call0.500.250.950.5019.60418.000.000.908-0.0080.000
call1.000.000.400.071.2322290.000.624-0.0040.001
call1.500.000.100.103.5911,4610.000.344-0.0120.001
call2.000.000.100.054.6683,7130.000.294-0.0150.001
call3.000.000.600.046.0315810.000.255-0.0180.001
call4.000.000.250.176.9095.000.000.237-0.0200.000
call5.000.000.600.057.54836.000.000.227-0.0210.000
put0.500.000.600.045.0122.000.00-0.092-0.0080.000
put1.000.000.650.121.08525.000.00-0.376-0.0040.001
put1.500.150.800.357.3061,0180.00-0.655-0.0120.001
put2.000.601.301.068.5113.000.00-0.706-0.0140.001
put3.001.602.301.459.9930.000.00-0.745-0.0170.001
put4.002.403.400.0012.5170.000.00-0.763-0.0190.000
put5.003.404.403.3913.2050.000.00-0.773-0.0200.000

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-09144Filing for proposed sale of securities under Rule 144.SEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-058-KCurrent report2026-11-05SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-02144Filing for proposed sale of securities under Rule 144.SEC
2026-10-284Statement of changes in beneficial ownership of securities2026-10-26SEC
2026-10-26144Filing for proposed sale of securities under Rule 144.SEC
2026-10-214Statement of changes in beneficial ownership of securities2026-10-19SEC
2026-10-19144Filing for proposed sale of securities under Rule 144.SEC
2026-10-16SCHEDULE 13GSEC
2026-10-144Statement of changes in beneficial ownership of securities2026-10-12SEC
2026-10-13144Filing for proposed sale of securities under Rule 144.SEC
2026-10-074Statement of changes in beneficial ownership of securities2026-10-05SEC
2026-10-05144Filing for proposed sale of securities under Rule 144.SEC
2026-09-304Statement of changes in beneficial ownership of securities2026-09-28SEC
2026-09-28144Filing for proposed sale of securities under Rule 144.SEC
2026-09-234Statement of changes in beneficial ownership of securities2026-09-21SEC
2026-09-213Initial statement of beneficial ownership of securities2026-09-21SEC
2026-09-21144Filing for proposed sale of securities under Rule 144.SEC
2026-09-218-KCurrent report2026-09-18SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-11SEC
2026-09-14144Filing for proposed sale of securities under Rule 144.SEC
2026-09-11144Filing for proposed sale of securities under Rule 144.SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-244Statement of changes in beneficial ownership of securities2026-08-20SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110025.78K1
2026-100098.71K4
2026-0900181.94K4
2026-0825.12K160.83K2
2026-070000
2026-064.30M800
2026-057.58M128.83K1
2026-040000
2026-030000
2026-02008.96K1
2026-010084.15K2
2025-124.07M376.49K1
2025-1117.73M1074.73K1

Institutional holders

Manager% owned
Haveli Investment Management LLC7.72%
BlackRock, Inc.6.43%
CYPRESS POINT INVESTMENT MANAGEMENT LP5.91%
Capricorn Fund Managers Ltd5.62%
VANGUARD CAPITAL MANAGEMENT LLC3.51%
Whitebark Investors LP2.62%
VANGUARD PORTFOLIO MANAGEMENT LLC2.57%
STATE STREET CORP2.55%
CITADEL ADVISORS LLC2.09%
GEODE CAPITAL MANAGEMENT, LLC2.06%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.43%
VANGUARD INFORMATION TECHNOLOGY INDEX FUND2.11%
iShares Russell 2000 ETF2.04%
VANGUARD EXTENDED MARKET INDEX FUND0.99%
Fidelity Small Cap Index Fund0.83%
State Street(R) SPDR(R) S&P(R) Software & Services ETF0.73%
Global Real Estate Fund0.71%
PGIM Global Real Estate Fund0.62%
iShares Russell 2000 Growth ETF0.61%
Xtrackers International Real Estate ETF0.49%

OakChart. BLND. Cached 15 minutes.