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BLEND LABS INC-A (BLND) Stock Fundamental Analysis

USA - NYSE:BLND - US09352U1088 - Common Stock

4.24 USD
-0.06 (-1.4%)
Last: 9/15/2025, 8:04:01 PM
4.31 USD
+0.07 (+1.65%)
After Hours: 9/15/2025, 8:04:01 PM
Fundamental Rating

4

BLND gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 280 industry peers in the Software industry. BLND has a great financial health rating, but its profitability evaluates not so good. BLND is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year BLND was profitable.
BLND had a positive operating cash flow in the past year.
BLND had negative earnings in each of the past 5 years.
In the past 5 years BLND always reported negative operating cash flow.
BLND Yearly Net Income VS EBIT VS OCF VS FCFBLND Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 -200M -400M -600M

1.2 Ratios

BLND has a worse Return On Assets (-22.10%) than 73.21% of its industry peers.
Looking at the Return On Equity, with a value of -31.69%, BLND is doing worse than 62.86% of the companies in the same industry.
Industry RankSector Rank
ROA -22.1%
ROE -31.69%
ROIC N/A
ROA(3y)-100.49%
ROA(5y)-70.29%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BLND Yearly ROA, ROE, ROICBLND Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 500 -500

1.3 Margins

With a Gross Margin value of 64.18%, BLND perfoms like the industry average, outperforming 42.14% of the companies in the same industry.
In the last couple of years the Gross Margin of BLND has declined.
BLND does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 64.18%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.15%
GM growth 5Y-1.85%
BLND Yearly Profit, Operating, Gross MarginsBLND Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -100 -200 -300

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7

2. Health

2.1 Basic Checks

BLND does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BLND has more shares outstanding
BLND has more shares outstanding than it did 5 years ago.
BLND has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BLND Yearly Shares OutstandingBLND Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
BLND Yearly Total Debt VS Total AssetsBLND Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

BLND has an Altman-Z score of 2.27. This is not the best score and indicates that BLND is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of BLND (2.27) is comparable to the rest of the industry.
There is no outstanding debt for BLND. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 2.27
ROIC/WACCN/A
WACC11.09%
BLND Yearly LT Debt VS Equity VS FCFBLND Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

BLND has a Current Ratio of 2.40. This indicates that BLND is financially healthy and has no problem in meeting its short term obligations.
BLND has a Current ratio of 2.40. This is in the better half of the industry: BLND outperforms 70.00% of its industry peers.
BLND has a Quick Ratio of 2.40. This indicates that BLND is financially healthy and has no problem in meeting its short term obligations.
BLND has a Quick ratio of 2.40. This is in the better half of the industry: BLND outperforms 70.36% of its industry peers.
Industry RankSector Rank
Current Ratio 2.4
Quick Ratio 2.4
BLND Yearly Current Assets VS Current LiabilitesBLND Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 103.85% over the past year.
Looking at the last year, BLND shows a decrease in Revenue. The Revenue has decreased by -4.76% in the last year.
Measured over the past years, BLND shows a very strong growth in Revenue. The Revenue has been growing by 26.16% on average per year.
EPS 1Y (TTM)103.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)-4.76%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-22.13%

3.2 Future

BLND is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.69% yearly.
The Revenue is expected to grow by 7.18% on average over the next years.
EPS Next Y138.25%
EPS Next 2Y80.97%
EPS Next 3Y59.69%
EPS Next 5YN/A
Revenue Next Year-22.47%
Revenue Next 2Y-0.77%
Revenue Next 3Y7.18%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BLND Yearly Revenue VS EstimatesBLND Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
BLND Yearly EPS VS EstimatesBLND Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -0.2 -0.4 -0.6

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 424.00, BLND can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of BLND indicates a slightly more expensive valuation: BLND is more expensive than 62.14% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BLND to the average of the S&P500 Index (27.27), we can say BLND is valued expensively.
A Price/Forward Earnings ratio of 41.57 indicates a quite expensive valuation of BLND.
BLND's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of BLND to the average of the S&P500 Index (22.77), we can say BLND is valued expensively.
Industry RankSector Rank
PE 424
Fwd PE 41.57
BLND Price Earnings VS Forward Price EarningsBLND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BLND Per share dataBLND EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 0.2 0.3 0.4 0.5

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as BLND's earnings are expected to grow with 59.69% in the coming years.
PEG (NY)3.07
PEG (5Y)N/A
EPS Next 2Y80.97%
EPS Next 3Y59.69%

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0

5. Dividend

5.1 Amount

BLND does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BLEND LABS INC-A

NYSE:BLND (9/15/2025, 8:04:01 PM)

After market: 4.31 +0.07 (+1.65%)

4.24

-0.06 (-1.4%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)N/A N/A
Inst Owners64.78%
Inst Owner Change1.73%
Ins Owners3.97%
Ins Owner Change2.44%
Market Cap1.10B
Analysts80
Price Target4.95 (16.75%)
Short Float %4.81%
Short Ratio4.37
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)61.27%
Min EPS beat(2)-100%
Max EPS beat(2)222.55%
EPS beat(4)2
Avg EPS beat(4)30.64%
Min EPS beat(4)-100%
Max EPS beat(4)222.55%
EPS beat(8)5
Avg EPS beat(8)24.96%
EPS beat(12)7
Avg EPS beat(12)17.77%
EPS beat(16)10
Avg EPS beat(16)12.75%
Revenue beat(2)0
Avg Revenue beat(2)-16.94%
Min Revenue beat(2)-30.67%
Max Revenue beat(2)-3.21%
Revenue beat(4)1
Avg Revenue beat(4)-7.52%
Min Revenue beat(4)-30.67%
Max Revenue beat(4)5.71%
Revenue beat(8)2
Avg Revenue beat(8)-4.31%
Revenue beat(12)5
Avg Revenue beat(12)-1.46%
Revenue beat(16)8
Avg Revenue beat(16)0.02%
PT rev (1m)-3.16%
PT rev (3m)-3.16%
EPS NQ rev (1m)-9.98%
EPS NQ rev (3m)-20%
EPS NY rev (1m)-40%
EPS NY rev (3m)-35.72%
Revenue NQ rev (1m)-5.05%
Revenue NQ rev (3m)-16.28%
Revenue NY rev (1m)-4.86%
Revenue NY rev (3m)-10.81%
Valuation
Industry RankSector Rank
PE 424
Fwd PE 41.57
P/S 7.59
P/FCF N/A
P/OCF 95.51
P/B 8.61
P/tB 8.62
EV/EBITDA N/A
EPS(TTM)0.01
EY0.24%
EPS(NY)0.1
Fwd EY2.41%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.04
OCFY1.05%
SpS0.56
BVpS0.49
TBVpS0.49
PEG (NY)3.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -22.1%
ROE -31.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 64.18%
FCFM N/A
ROA(3y)-100.49%
ROA(5y)-70.29%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.15%
GM growth 5Y-1.85%
F-Score6
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 647.38%
Cap/Sales 9.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.4
Quick Ratio 2.4
Altman-Z 2.27
F-Score6
WACC11.09%
ROIC/WACCN/A
Cap/Depr(3y)157.7%
Cap/Depr(5y)104.5%
Cap/Sales(3y)2.44%
Cap/Sales(5y)1.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)103.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y138.25%
EPS Next 2Y80.97%
EPS Next 3Y59.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.76%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-22.13%
Revenue Next Year-22.47%
Revenue Next 2Y-0.77%
Revenue Next 3Y7.18%
Revenue Next 5YN/A
EBIT growth 1Y75%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year201.44%
EBIT Next 3Y86.13%
EBIT Next 5YN/A
FCF growth 1Y98.43%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y106.44%
OCF growth 3YN/A
OCF growth 5YN/A