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BLEND LABS INC-A (BLND) Stock Fundamental Analysis

NYSE:BLND - New York Stock Exchange, Inc. - US09352U1088 - Common Stock - Currency: USD

2.84  -0.02 (-0.7%)

After market: 2.85 +0.01 (+0.35%)

Fundamental Rating

4

Overall BLND gets a fundamental rating of 4 out of 10. We evaluated BLND against 283 industry peers in the Software industry. The financial health of BLND is average, but there are quite some concerns on its profitability. While showing a medium growth rate, BLND is valued expensive at the moment.


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.
In the past 5 years BLND always reported negative net income.
BLND had a negative operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of -28.17%, BLND is doing worse than 73.24% of the companies in the same industry.
With a Return On Equity value of -41.12%, BLND is not doing good in the industry: 65.49% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -28.17%
ROE -41.12%
ROIC N/A
ROA(3y)-100.5%
ROA(5y)-70.3%
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

Looking at the Gross Margin, with a value of 59.39%, BLND is doing worse than 61.97% of the companies in the same industry.
BLND's Gross Margin has declined in the last couple of years.
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 59.39%
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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6

2. Health

2.1 Basic Checks

BLND does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BLND has been increased compared to 1 year ago.
The number of shares outstanding for BLND has been increased compared to 5 years ago.
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.
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 -2.11. This is a bad value and indicates that BLND is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -2.11, BLND is doing worse than 77.11% of the companies in the same industry.
BLND has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -2.11
ROIC/WACCN/A
WACC11.48%
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 2.41. This indicates that BLND is financially healthy and has no problem in meeting its short term obligations.
BLND has a better Current ratio (2.41) than 68.31% of its industry peers.
A Quick Ratio of 2.41 indicates that BLND has no problem at all paying its short term obligations.
The Quick ratio of BLND (2.41) is better than 69.01% of its industry peers.
Industry RankSector Rank
Current Ratio 2.41
Quick Ratio 2.41
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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6

3. Growth

3.1 Past

BLND shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 103.85%, which is quite impressive.
BLND shows a small growth in Revenue. In the last year, the Revenue has grown by 3.30%.
BLND shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.16% yearly.
EPS 1Y (TTM)103.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)3.3%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-22.13%

3.2 Future

Based on estimates for the next years, BLND will show a very strong growth in Earnings Per Share. The EPS will grow by 67.05% on average per year.
BLND is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.48% yearly.
EPS Next Y163.75%
EPS Next 2Y86.18%
EPS Next 3Y67.05%
EPS Next 5YN/A
Revenue Next Year-18.51%
Revenue Next 2Y2.36%
Revenue Next 3Y9.48%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 -0.2 -0.4 -0.6

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 284.00, BLND can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of BLND is on the same level as its industry peers.
BLND is valuated expensively when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
BLND is valuated rather expensively with a Price/Forward Earnings ratio of 24.21.
Based on the Price/Forward Earnings ratio, BLND is valued a bit cheaper than 71.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.29. BLND is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 284
Fwd PE 24.21
BLND Price Earnings VS Forward Price EarningsBLND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200 250

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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
BLND's earnings are expected to grow with 67.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.73
PEG (5Y)N/A
EPS Next 2Y86.18%
EPS Next 3Y67.05%

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0

5. Dividend

5.1 Amount

No dividends for BLND!.
Industry RankSector Rank
Dividend Yield N/A

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BLEND LABS INC-A

NYSE:BLND (8/15/2025, 8:07:26 PM)

After market: 2.85 +0.01 (+0.35%)

2.84

-0.02 (-0.7%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)N/A N/A
Inst Owners64.78%
Inst Owner Change1.72%
Ins Owners3.97%
Ins Owner Change4.66%
Market Cap734.20M
Analysts80
Price Target5.11 (79.93%)
Short Float %3.36%
Short Ratio4.17
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)3
Avg EPS beat(4)69.5%
Min EPS beat(4)-100%
Max EPS beat(4)222.55%
EPS beat(8)6
Avg EPS beat(8)41.39%
EPS beat(12)8
Avg EPS beat(12)26.45%
EPS beat(16)10
Avg EPS beat(16)-21.63%
Revenue beat(2)0
Avg Revenue beat(2)-16.29%
Min Revenue beat(2)-30.67%
Max Revenue beat(2)-1.91%
Revenue beat(4)2
Avg Revenue beat(4)-6.29%
Min Revenue beat(4)-30.67%
Max Revenue beat(4)5.71%
Revenue beat(8)3
Avg Revenue beat(8)-3.32%
Revenue beat(12)6
Avg Revenue beat(12)-0.38%
Revenue beat(16)8
Avg Revenue beat(16)-3.92%
PT rev (1m)0%
PT rev (3m)0.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.13%
EPS NY rev (1m)0%
EPS NY rev (3m)7.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-11.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.6%
Valuation
Industry RankSector Rank
PE 284
Fwd PE 24.21
P/S 4.77
P/FCF N/A
P/OCF 65.47
P/B 5.69
P/tB 5.7
EV/EBITDA N/A
EPS(TTM)0.01
EY0.35%
EPS(NY)0.12
Fwd EY4.13%
FCF(TTM)0
FCFYN/A
OCF(TTM)0.04
OCFY1.53%
SpS0.6
BVpS0.5
TBVpS0.5
PEG (NY)1.73
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -28.17%
ROE -41.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 59.39%
FCFM N/A
ROA(3y)-100.5%
ROA(5y)-70.3%
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 Turnover0.82
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 584.76%
Cap/Sales 8.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.41
Quick Ratio 2.41
Altman-Z -2.11
F-Score6
WACC11.48%
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 Y163.75%
EPS Next 2Y86.18%
EPS Next 3Y67.05%
EPS Next 5YN/A
Revenue 1Y (TTM)3.3%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-22.13%
Revenue Next Year-18.51%
Revenue Next 2Y2.36%
Revenue Next 3Y9.48%
Revenue Next 5YN/A
EBIT growth 1Y71.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year201.44%
EBIT Next 3Y86.13%
EBIT Next 5YN/A
FCF growth 1Y99.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y105.86%
OCF growth 3YN/A
OCF growth 5YN/A