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Beeline Holdings, Inc. (BLNE) 10-Year Financial Performance & Capital Metrics

BLNE • • Industrial / General
Consumer DefensiveWineries & DistilleriesAlcoholic Beverage Distributors & TradersLuxury Spirits & Wine Importers
AboutBeeline 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.Show more
  • Revenue $4M -62.7%
  • EBITDA -$8M -135.3%
  • Net Income -$11M -50.4%
  • EPS (Diluted) -27.02 +60.9%
  • Gross Margin 43.21% +327.6%
  • EBITDA Margin -208.33% -531.4%
  • Operating Margin -230.77% -402.7%
  • Net Margin -289.62% -303.6%
  • ROE -45.49% +94.8%
  • ROIC -17.57% +24.4%
  • Debt/Equity 0.29 -98.2%
  • Interest Coverage -4.04 +7.2%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Momentum leader: RS Rating 83 (top 17%)
  • ✓Trading at only 0.0x book value

✗Weaknesses

  • ✗Negative free cash flow
  • ✗Low quality earnings: Net income not backed by cash flow
  • ✗Sales declining 19.6% over 5 years
  • ✗Shares diluted 100.0% in last year
  • ✗Trading more than 30% below 52-week high
  • ✗Low asset turnover indicates capital-intensive operations

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y14%
5Y-19.57%
3Y-31.91%
TTM-25.31%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-174.9%

EPS CAGR

10Y-
5Y-
3Y-
TTM8.36%

ROCE

10Y Avg-335.43%
5Y Avg-44.02%
3Y Avg-37.87%
Latest-28.38%

Peer Comparison

Luxury Spirits & Wine Importers
Select Columns
Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
Safety & Leverage
TTM Growth
Famous Investor Metrics
Dividends
Latest Quarter
Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
EPSMEpsium Enterprise Limited Ordinary Shares29.8M2.22105.71-57.12%2.2%3.42%0.02
BLNEBeeline Holdings, Inc.76.6M2.76-0.10-62.73%-305.13%-35.01%0.29
AGCCAgencia Comercial Spirits Ltd224.07M11.27186%30.71%50.1%0.07

Profit & Loss

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+1.7M2.11M2.61M6.12M11.63M14.01M12.39M13.88M10.5M3.91M
Revenue Growth %0.61%0.24%0.24%1.35%0.9%0.2%-0.12%0.12%-0.24%-0.63%
Cost of Goods Sold+870.39K1.28M1.63M3.81M7.57M10.38M9.48M11.44M9.44M2.22M
COGS % of Revenue0.51%0.61%0.63%0.62%0.65%0.74%0.77%0.82%0.9%0.57%
Gross Profit+832.23K827.96K976.93K2.31M4.06M3.62M2.91M2.44M1.06M1.69M
Gross Margin %0.49%0.39%0.37%0.38%0.35%0.26%0.23%0.18%0.1%0.43%
Gross Profit Growth %0.48%-0.01%0.18%1.36%0.76%-0.11%-0.2%-0.16%-0.57%0.59%
Operating Expenses+4.37M5.13M5.77M10.57M14.01M11.81M9.81M9.09M5.88M10.72M
OpEx % of Revenue2.57%2.43%2.21%1.73%1.21%0.84%0.79%0.65%0.56%2.74%
Selling, General & Admin4.37M5.13M5.77M10.57M14.03M12.18M9.39M9.03M6.25M6.03M
SG&A % of Revenue2.57%2.43%2.21%1.73%1.21%0.87%0.76%0.65%0.59%1.54%
Research & Development0000000000
R&D % of Revenue----------
Other Operating Expenses0-39.19K02.7K-15K-366K419K58K-364K4.7M
Operating Income+-3.54M-4.3M-4.83M-8.26M-9.95M-8.19M-6.9M-6.65M-4.82M-9.03M
Operating Margin %-2.08%-2.04%-1.85%-1.35%-0.86%-0.58%-0.56%-0.48%-0.46%-2.31%
Operating Income Growth %0.13%-0.21%-0.12%-0.71%-0.2%0.18%0.16%0.04%0.28%-0.87%
EBITDA+-3.52M-4.28M-4.74M-7.9M-8.26M-6M-5.66M-5.13M-3.46M-8.15M
EBITDA Margin %-2.07%-2.03%-1.81%-1.29%-0.71%-0.43%-0.46%-0.37%-0.33%-2.08%
EBITDA Growth %0.13%-0.21%-0.11%-0.67%-0.05%0.27%0.06%0.09%0.32%-1.35%
D&A (Non-Cash Add-back)19.28K21.99K92.02K364.81K1.69M2.19M1.24M1.52M1.36M878K
EBIT-3.54M-4.34M-5.04M-8.26M-12.62M-8.55M-4.8M-14.05M-6.43M-4M
Net Interest Income+-112.46K-862.47K-235.05K-789.36K-508K-1.09M-1.25M-2.22M-1.11M-2.23M
Interest Income0000000004K
Interest Expense112.46K862.47K235.05K789.36K508K1.09M1.25M2.22M1.11M2.24M
Other Income/Expense-59.55K-901.66K-448.04K-786.66K-3.18M-1.46M846K-9.62M-2.71M2.79M
Pretax Income+-3.6M-5.2M-5.28M-9.05M-13.13M-9.65M-6.05M-16.27M-7.54M-6.24M
Pretax Margin %-2.12%-2.47%-2.02%-1.48%-1.13%-0.69%-0.49%-1.17%-0.72%-1.59%
Income Tax+0021.46K2.7K000000
Effective Tax Rate %1%1%1%1%1.29%1.02%0.36%1%1%1.82%
Net Income+-3.6M-5.2M-5.28M-9.05M-16.91M-9.86M-2.2M-16.27M-7.54M-11.33M
Net Margin %-2.12%-2.47%-2.02%-1.48%-1.45%-0.7%-0.18%-1.17%-0.72%-2.9%
Net Income Growth %0.11%-0.44%-0.01%-0.71%-0.87%0.42%0.78%-6.41%0.54%-0.5%
Net Income (Continuing)-3.6M-5.2M-5.28M-9.05M-13.13M-9.65M-6.05M-16.27M-7.54M-6.24M
Discontinued Operations0000-3.78M-213K3.86M00-6.84M
Minority Interest0015.59K0000001.1M
EPS (Diluted)+-944.50-833.80-283.90-297.90-281.70-165.40-67.90-214.10-69.10-27.02
EPS Growth %0.35%0.12%0.66%-0.05%0.05%0.41%0.59%-2.15%0.68%0.61%
EPS (Basic)-944.50-833.80-283.90-297.90-281.70-165.40-67.90-214.10-69.10-27.02
Diluted Shares Outstanding3.81K6.24K18.59K30.37K46.38K50.13K63.54K76.69K109.1K246.26K
Basic Shares Outstanding3.81K6.24K18.59K30.37K46.38K50.13K63.54K76.69K109.1K246.26K
Dividend Payout Ratio----------

Balance Sheet

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+1.13M2.4M7.6M23.49M14.47M12.84M14.11M6.62M4.54M10.04M
Cash & Short-Term Investments141.32K1.09M2.59M10.64M343K836K3.28M723K403K391K
Cash Only141.32K1.09M2.59M10.64M343K836K3.28M723K403K391K
Short-Term Investments0000000000
Accounts Receivable142.21K344.95K315.32K1.06M1.32M694K1.45M836K559K7.06M
Days Sales Outstanding30.4959.7244.0863.4341.5718.0842.5821.9819.43658.46
Inventory683.82K780.04K4.05M11.02M7.14M6.73M6.51M4.44M3.21M1.49M
Days Inventory Outstanding286.76222.37904.931.05K344.4236.47250.54141.7124.22245.25
Other Current Assets00005.27M4.58M2.87M273K311K1.1M
Total Non-Current Assets+161K147.22K1.42M2.87M21.4M18.89M19.45M14.86M12.94M56.48M
Property, Plant & Equipment112K99.22K728.51K1.76M5.26M4.38M5.37M8.73M7.37M3.6M
Fixed Asset Turnover15.20x21.25x3.58x3.48x2.21x3.20x2.31x1.59x1.42x1.09x
Goodwill0028.18K28.18K28K0-171K0033.31M
Intangible Assets00610.67K752.64K15.25M14.04M13.79M5.87M5M18.64M
Long-Term Investments0053.94K300K00000147K
Other Non-Current Assets49K48K53.94K-58.04K856K474K457K256K568K787K
Total Assets+1.29M2.55M9.03M26.36M35.87M31.73M33.56M21.48M17.48M66.52M
Asset Turnover1.32x0.83x0.29x0.23x0.32x0.44x0.37x0.65x0.60x0.06x
Asset Growth %-0.37%0.97%2.54%1.92%0.36%-0.12%0.06%-0.36%-0.19%2.81%
Total Current Liabilities+2.34M987.4K1.72M2.37M6.14M30.26M9.5M13.01M4.21M16.15M
Accounts Payable1.3M457.03K1.27M1.98M2.32M1.86M1.26M1.73M2.08M1.81M
Days Payables Outstanding545.38130.29283.05189.9711265.5148.6855.1280.29297.32
Short-Term Debt472.56K4.54K293.73K01.82M10.23M7.4M8.04M578K12.3M
Deferred Revenue (Current)7272.13K1.58K1.73K023K018K88K0
Other Current Liabilities0000715K16.17M-781K725K00
Current Ratio0.48x2.43x4.42x9.90x2.36x0.42x1.49x0.51x1.08x0.62x
Quick Ratio0.19x1.64x2.07x5.26x1.19x0.20x0.80x0.17x0.32x0.53x
Cash Conversion Cycle-228.13151.8665.96928.02273.97189.04244.44108.5663.37606.38
Total Non-Current Liabilities+17.84K427.76K2.16M5.23M22.4M2.58M10.66M9.98M12.42M1.4M
Long-Term Debt17.84K427.76K2.16M5.23M6.56M1.69M8.16M7.84M10.6M0
Capital Lease Obligations0000275K817K2.5M2.14M1.82M1.35M
Deferred Tax Liabilities0000000000
Other Non-Current Liabilities000015.56M71K00045K
Total Liabilities2.36M1.42M3.88M7.61M28.53M32.84M20.16M22.99M16.63M17.55M
Total Debt+490.4K432.29K2.46M5.23M9.07M13.26M18.84M19.01M13.89M14.18M
Net Debt349.08K-655.77K-130.83K-5.41M8.73M12.42M15.57M18.29M13.48M13.79M
Debt / Equity-0.38x0.48x0.28x1.24x-1.41x-16.28x0.29x
Debt / EBITDA----------
Net Debt / EBITDA----------
Interest Coverage-31.49x-4.98x-20.55x-10.47x-19.59x-7.52x-5.50x-3.00x-4.35x-4.04x
Total Equity+-1.06M1.13M5.15M18.75M7.33M-1.11M13.4M-1.52M853K48.97M
Equity Growth %-1.67%2.07%3.54%2.64%-0.61%-1.15%13.09%-1.11%1.56%56.41%
Book Value per Share-278.98181.65276.96617.37158.11-22.10210.88-19.777.82198.84
Total Shareholders' Equity-1.06M1.13M5.13M18.75M7.33M-1.11M13.4M-1.52M853K47.87M
Common Stock4.62K7644898761K1K1K00205K
Retained Earnings-7.56M-12.81M-18.09M-27.14M-44.23M-54.09M-58.6M-75.02M-82.71M-94.19M
Treasury Stock000000000-10K
Accumulated OCI-30.97K-52.97K-76.14K-342.93K00000-34K
Minority Interest0015.59K0000001.1M

Cash Flow

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-1.19M-4.95M-7.01M-13.92M-9.13M-3.01M-5.95M-877K-1.84M-3.23M
Operating CF Margin %-0.7%-2.35%-2.69%-2.27%-0.79%-0.21%-0.48%-0.06%-0.17%-0.83%
Operating CF Growth %-0.1%-3.17%-0.42%-0.99%0.34%0.67%-0.98%0.85%-1.09%-0.76%
Net Income-3.6M-5.2M-5.28M-9.05M-16.91M-9.86M-2.2M-16.27M-7.54M-6.24M
Depreciation & Amortization19.28K21.99K92.02K364.81K1.7M2.29M1.24M1.52M1.36M878K
Stock-Based Compensation140.37K374.69K563.36K657.55K667.4K288K27K3K00
Deferred Taxes-52.89K0259.35K0204.21K1.03M3.69M000
Other Non-Cash Items831.66K668.78K734.47K1.52M4.91M1.53M-3.51M9.36M2.2M-1.18M
Working Capital Changes1.47M-820.51K-3.38M-7.41M293.72K1.71M-5.2M4.5M2.15M3.31M
Change in Receivables-4.26K-202.75K35.86K-748.76K292.69K552K-750K483K228K29K
Change in Inventory-306.8K-96.21K-3.04M-6.97M-384.93K412K263K2.11M1.22M499K
Change in Payables1.13M-843.5K804.98K721.21K721.12K-458K-599K465K592K172K
Cash from Investing+-50.08K-9.2K-652.94K-1.3M-3.63M137K3.21M-2.32M104K-451K
Capital Expenditures-50.08K-9.2K-657.48K-1.3M-2.18M-524K-265K-2.5M-194K-71K
CapEx % of Revenue0.03%0%0.25%0.21%0.19%0.04%0.02%0.18%0.02%0.02%
Acquisitions----------
Investments----------
Other Investing0000037K3.36M180K298K-378K
Cash from Financing+296.88K5.91M9.16M23.27M2.46M3.36M5.18M641K1.41M4.59M
Debt Issued (Net)----------
Equity Issued (Net)----------
Dividends Paid0000000000
Share Repurchases----------
Other Financing296.88K4.18M129.91K16.79M14K03.5M000
Net Change in Cash----------
Free Cash Flow+-1.24M-4.96M-7.67M-15.21M-11.31M-3.53M-6.21M-3.37M-2.03M-3.3M
FCF Margin %-0.73%-2.35%-2.94%-2.48%-0.97%-0.25%-0.5%-0.24%-0.19%-0.84%
FCF Growth %-0.1%-3.01%-0.55%-0.98%0.26%0.69%-0.76%0.46%0.4%-0.63%
FCF per Share-324.68-795.95-412.55-500.94-243.83-70.41-97.78-44.00-18.61-13.40
FCF Conversion (FCF/Net Income)0.33x0.95x1.33x1.54x0.54x0.30x2.71x0.05x0.24x0.28x
Interest Paid00000000027K
Taxes Paid0000000000

Key Ratios

Metric2015201620172018201920202021202220232024
Return on Equity (ROE)-1389.05%-15023.46%-168.03%-75.71%-129.64%-316.79%-35.73%-273.77%-883.35%-45.49%
Return on Invested Capital (ROIC)---131.85%-67.49%-50.77%-44.85%-25.69%-21.8%-23.24%-17.57%
Gross Margin48.88%39.27%37.42%37.73%34.91%25.86%23.48%17.58%10.11%43.21%
Net Margin-211.5%-246.63%-202.12%-147.75%-145.43%-70.39%-17.72%-117.16%-71.77%-289.62%
Debt / Equity-0.38x0.48x0.28x1.24x-1.41x-16.28x0.29x
Interest Coverage-31.49x-4.98x-20.55x-10.47x-19.59x-7.52x-5.50x-3.00x-4.35x-4.04x
FCF Conversion0.33x0.95x1.33x1.54x0.54x0.30x2.71x0.05x0.24x0.28x
Revenue Growth61.32%23.83%23.84%134.53%89.86%20.49%-11.52%12.01%-24.38%-62.73%

Frequently Asked Questions

Growth & Financials

Beeline Holdings, Inc. (BLNE) reported $6.4M in revenue for fiscal year 2024. This represents a 8435% increase from $0.1M in 2011.

Beeline Holdings, Inc. (BLNE) saw revenue decline by 62.7% over the past year.

Beeline Holdings, Inc. (BLNE) reported a net loss of $19.4M for fiscal year 2024.

Dividend & Returns

Beeline Holdings, Inc. (BLNE) has a return on equity (ROE) of -45.5%. Negative ROE indicates the company is unprofitable.

Beeline Holdings, Inc. (BLNE) generated $1.6M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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