Latest Ratios: P/E Ratio -0.6x · EV/EBITDA N/A · ROE -43.1%. (2011–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $12M | $24M | $2M | $1M | $2M | $11M | $6M | $1M | $2M | $749177 | $1M |
| Enterprise Value | $24M | $36M | $16M | $15M | $20M | $27M | $19M | $10M | $-3531781 | $618348 | $578955 |
| P/E Ratio → | -0.64 | — | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 1.61 | 3.13 | 0.61 | 0.37 | 0.13 | 0.92 | 0.46 | 0.12 | 0.31 | 0.29 | 0.59 |
| P/B Ratio | 0.36 | 0.45 | 0.05 | 1.65 | — | 0.85 | — | 0.19 | 0.10 | 0.15 | 1.09 |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.67 | 4.13 | 3.93 | 1.44 | 2.17 | 1.35 | 0.87 | -0.58 | 0.24 | 0.27 |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 18.0% | 18.0% | 43.2% | -5.2% | 17.6% | 23.5% | 25.9% | 34.9% | 37.7% | 37.4% | 39.3% |
| Operating Margin | -247.4% | -247.4% | -230.8% | -54.4% | -47.9% | -55.7% | -58.4% | -85.6% | -134.9% | -185.0% | -203.9% |
| Net Profit Margin | -284.7% | -284.7% | -289.6% | -199.0% | -117.2% | -17.7% | -70.4% | -145.4% | -147.8% | -202.1% | -246.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -43.1% | -43.1% | -45.5% | -883.4% | -273.8% | -35.7% | -316.8% | -129.6% | -75.7% | -168.0% | -15023.5% |
| ROA | -32.4% | -32.4% | -27.0% | -38.7% | -59.1% | -6.7% | -29.2% | -54.3% | -51.1% | -91.2% | -270.8% |
| ROIC | -22.5% | -22.5% | -17.6% | -9.9% | -21.8% | -25.7% | -44.8% | -50.8% | -67.5% | -131.8% | — |
| ROCE | -36.9% | -36.9% | -28.4% | -19.0% | -40.9% | -54.0% | -52.5% | -37.1% | -52.8% | -108.9% | -1669.7% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.28 | 0.28 | 0.29 | 16.28 | — | 1.41 | — | 1.24 | 0.28 | 0.48 | 0.38 |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| Net Debt / Equity | — | 0.22 | 0.28 | 15.81 | — | 1.16 | — | 1.19 | -0.29 | -0.03 | -0.58 |
| Net Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | -8.48 | -8.48 | -1.79 | -3.33 | -6.34 | -3.83 | -7.85 | -24.85 | -10.46 | -21.45 | -5.03 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.19 | 1.19 | 0.62 | 1.08 | 0.51 | 1.49 | 0.42 | 2.36 | 9.90 | 4.42 | 2.43 |
| Quick Ratio | 1.19 | 1.19 | 0.53 | 0.32 | 0.17 | 0.80 | 0.20 | 1.19 | 5.26 | 2.07 | 1.64 |
| Cash Ratio | 0.19 | 0.19 | 0.02 | 0.10 | 0.06 | 0.34 | 0.03 | 0.06 | 4.49 | 1.50 | 1.10 |
| Asset Turnover | — | 0.11 | 0.06 | 0.22 | 0.65 | 0.37 | 0.44 | 0.32 | 0.23 | 0.29 | 0.83 |
| Inventory Turnover | — | — | 1.49 | 1.24 | 2.58 | 1.46 | 1.54 | 1.06 | 0.35 | 0.40 | 1.64 |
| Days Sales Outstanding | — | 0.94 | 658.46 | 53.88 | 21.98 | 42.58 | 18.08 | 41.57 | 63.43 | 44.08 | 59.72 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 16.0% | 8.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 16.0% | 8.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $14M | $246265 | $109100 | $76685 | $63540 | $50134 | $46380 | $30372 | $18590 | $6236 |
Imminent liquidity exhaustion risk
According to recent financial data, BLNE trades at a P/S multiple of 1.61, a valuation that appears disconnected from its negative earnings profile and suggests investors are pricing the firm on aggressive future growth expectations rather than current fundamental value or tangible cash-generating capacity.
The P/B ratio of 0.36 indicates that the market is heavily discounting the company's book value, likely reflecting skepticism regarding the recoverability of its asset base, particularly the significant goodwill component. This valuation gap suggests that the market views the current business model as high-risk, requiring substantial capital infusions to sustain operations.
Based on reported figures, the company's ROIC has remained consistently negative, reaching -5.9% in 2026Q1, which indicates that the firm is currently destroying shareholder value rather than compounding it through its core mortgage lending activities and digital platform development.
The persistent negative ROIC trend suggests that the capital deployed into the business is failing to generate returns above the cost of capital. This decay in returns warrants further investigation into whether the company's technological investments can ever achieve the scale necessary to reach profitability.
As reported in recent quarterly filings, the company's cash conversion cycle remains highly erratic, with historical data showing significant swings in DSO and DPO, reflecting a lack of operational maturity and inconsistent leverage over both customers and suppliers in the mortgage origination process.
The extreme variability in the cash conversion cycle suggests that the company struggles to manage its working capital effectively, which exacerbates its liquidity constraints. Investors should monitor whether these inefficiencies are structural or merely a byproduct of the current rapid, and potentially unsustainable, growth phase.
Based on the most recent quarterly data, the current ratio of 1.06 provides a razor-thin margin of safety, which, when combined with the company's persistent cash burn, suggests that the firm is highly vulnerable to even minor disruptions in its mortgage origination volume.
The company's reliance on external financing to maintain its liquidity position is evident, as its internal cash generation remains insufficient to cover operating expenses. This precarious position implies that any tightening in credit markets could severely limit the firm's ability to continue its current growth trajectory.
The P/S ratio is the most commonly misapplied metric for this business model, as it obscures the underlying lack of profitability and the high customer acquisition costs required to generate that revenue, leading to an overly optimistic assessment of the firm's true economic value.
Analysts should instead focus on the contribution margin per loan and the lifetime value of originated mortgages, as these metrics provide a clearer picture of the company's path to sustainable profitability. Relying on top-line growth in a high-loss environment risks ignoring the fundamental sustainability issues inherent in the current fintech lending model.
Includes 30+ ratios · 15 years · Updated daily
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Quick answers to the most common questions about buying BLNE stock.
Beeline Holdings, Inc.'s current P/E ratio is -0.6x. This places it at the 50th percentile of its historical range.
Beeline Holdings, Inc.'s return on equity (ROE) is -43.1%. The historical average is -136.0%.
Based on historical data, Beeline Holdings, Inc. is trading at a P/E of -0.6x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Beeline Holdings, Inc. has 18.0% gross margin and -247.4% operating margin.