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BLEND LABS INC-A (BLND) Stock Fundamental Analysis

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

3.28  +0.04 (+1.23%)

After market: 3.28 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BLND. BLND was compared to 284 industry peers in the Software industry. BLND scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, BLND is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

BLND had negative earnings in the past year.
BLND had a positive operating cash flow in the past year.
In the past 5 years BLND always reported negative net income.
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

The Return On Assets of BLND (-28.17%) is worse than 72.18% of its industry peers.
With a Return On Equity value of -41.12%, BLND is not doing good in the industry: 64.08% 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

BLND has a worse Gross Margin (59.39%) than 60.92% of its industry peers.
BLND's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for BLND so they could not be analyzed.
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.
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 -1.06, we must say that BLND is in the distress zone and has some risk of bankruptcy.
BLND's Altman-Z score of -1.06 is on the low side compared to the rest of the industry. BLND is outperformed by 74.30% of its industry peers.
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 -1.06
ROIC/WACCN/A
WACC8.78%
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

A Current Ratio of 2.41 indicates that BLND has no problem at all paying its short term obligations.
The Current ratio of BLND (2.41) is better than 69.01% of its industry peers.
BLND has a Quick Ratio of 2.41. This indicates that BLND is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 2.41, BLND is doing good in the industry, outperforming 69.72% of the companies in the same industry.
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

BLND shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 96.97%, which is quite impressive.
Looking at the last year, BLND shows a decrease in Revenue. The Revenue has decreased by -0.40% in the last year.
The Revenue has been growing by 26.16% on average over the past years. This is a very strong growth!
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

BLND is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 67.05% yearly.
BLND is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.25% yearly.
EPS Next Y151%
EPS Next 2Y86.18%
EPS Next 3Y67.05%
EPS Next 5YN/A
Revenue Next Year-18.51%
Revenue Next 2Y2.36%
Revenue Next 3Y11.25%
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

BLND reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 27.96, BLND can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, BLND is valued a bit cheaper than the industry average as 67.25% of the companies are valued more expensively.
BLND's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 21.43.
Industry RankSector Rank
PE N/A
Fwd PE 27.96
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BLND's earnings are expected to grow with 67.05% in the coming years.
PEG (NY)N/A
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 (6/27/2025, 4:18:46 PM)

After market: 3.28 0 (0%)

3.28

+0.04 (+1.23%)

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 Owners64.4%
Inst Owner Change-12.21%
Ins Owners3.94%
Ins Owner Change4.18%
Market Cap847.95M
Analysts80
Price Target5.11 (55.79%)
Short Float %3.49%
Short Ratio3.35
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)0.67%
PT rev (3m)-6.68%
EPS NQ rev (1m)11.13%
EPS NQ rev (3m)38.92%
EPS NY rev (1m)-14.29%
EPS NY rev (3m)-23.08%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-23.74%
Revenue NY rev (1m)-10.6%
Revenue NY rev (3m)-27.89%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 27.96
P/S 5.51
P/FCF N/A
P/OCF 75.61
P/B 6.57
P/tB 6.58
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)0.12
Fwd EY3.58%
FCF(TTM)0
FCFYN/A
OCF(TTM)0.04
OCFY1.32%
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 -1.06
F-Score6
WACC8.78%
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 Y151%
EPS Next 2Y86.18%
EPS Next 3Y67.05%
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-18.51%
Revenue Next 2Y2.36%
Revenue Next 3Y11.25%
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