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BLEND LABS INC-A (BLND) Stock Fundamental Analysis

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

3.72  +0.02 (+0.54%)

After market: 3.7 -0.02 (-0.54%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BLND. BLND was compared to 283 industry peers in the Software industry. While BLND seems to be doing ok healthwise, there are quite some concerns on its profitability. BLND is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year BLND has reported negative net income.
In the past year BLND had a positive cash flow from operations.
BLND had negative earnings in each of the past 5 years.
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

BLND's Return On Assets of -28.17% is on the low side compared to the rest of the industry. BLND is outperformed by 72.08% of its industry peers.
BLND has a worse Return On Equity (-41.12%) than 64.31% of its industry peers.
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

BLND has a Gross Margin of 59.39%. This is in the lower half of the industry: BLND underperforms 61.13% of its industry peers.
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 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.
Compared to 5 years ago, BLND has more shares outstanding
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

Based on the Altman-Z score of 0.14, we must say that BLND is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.14, BLND is doing worse than 69.61% 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 0.14
ROIC/WACCN/A
WACC8.88%
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.
With a decent Current ratio value of 2.41, BLND is doing good in the industry, outperforming 69.26% of the companies in the same industry.
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 69.96% 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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 96.97% over the past year.
The Revenue has decreased by -0.40% in the past year.
BLND shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.16% yearly.
EPS 1Y (TTM)96.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%116.67%
Revenue 1Y (TTM)-0.4%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-23.4%

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 68.00% on average per year.
Based on estimates for the next years, BLND will show a quite strong growth in Revenue. The Revenue will grow by 14.73% on average per year.
EPS Next Y159.5%
EPS Next 2Y86.18%
EPS Next 3Y68%
EPS Next 5YN/A
Revenue Next Year-8.85%
Revenue Next 2Y7.21%
Revenue Next 3Y14.73%
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 -0.2 -0.4 -0.6

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for BLND. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 31.71 indicates a quite expensive valuation of BLND.
Based on the Price/Forward Earnings ratio, BLND is valued a bit cheaper than the industry average as 62.19% of the companies are valued more expensively.
BLND is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 31.71
BLND Price Earnings VS Forward Price EarningsBLND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -100 -200 -300

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 0.2 0.4

4.3 Compensation for Growth

BLND's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BLND's earnings are expected to grow with 68.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y86.18%
EPS Next 3Y68%

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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 (6/5/2025, 8:04:01 PM)

After market: 3.7 -0.02 (-0.54%)

3.72

+0.02 (+0.54%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)N/A N/A
Inst Owners73.95%
Inst Owner Change-12.21%
Ins Owners3.57%
Ins Owner Change4.04%
Market Cap961.69M
Analysts80
Price Target5.07 (36.29%)
Short Float %3.21%
Short Ratio2.74
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)-3.24%
PT rev (3m)-8.72%
EPS NQ rev (1m)25%
EPS NQ rev (3m)-14.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.25%
Revenue NQ rev (1m)-24%
Revenue NQ rev (3m)-28.47%
Revenue NY rev (1m)-19.22%
Revenue NY rev (3m)-24.52%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 31.71
P/S 6.25
P/FCF N/A
P/OCF 85.76
P/B 7.46
P/tB 7.46
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)0.12
Fwd EY3.15%
FCF(TTM)0
FCFYN/A
OCF(TTM)0.04
OCFY1.17%
SpS0.6
BVpS0.5
TBVpS0.5
PEG (NY)N/A
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 0.14
F-Score6
WACC8.88%
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)96.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%116.67%
EPS Next Y159.5%
EPS Next 2Y86.18%
EPS Next 3Y68%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.4%
Revenue growth 3Y-11.6%
Revenue growth 5Y26.16%
Sales Q2Q%-23.4%
Revenue Next Year-8.85%
Revenue Next 2Y7.21%
Revenue Next 3Y14.73%
Revenue Next 5YN/A
EBIT growth 1Y71.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year205.84%
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