BLNE Nasdaq Mortgage Bankers & Loan Correspondents Financials FY2016βFY2025
Beeline Holdings, Inc. had $7.8M of revenue in fiscal 2025, up 600.0% on the year before. Over five years, revenue changed β11.1% a year on average.
Last close Β· Oct 23, 2026
$0.66
3.3%Hi! I read Beeline Holdings, Inc.βs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
Are sales growing?
+600.0%
Yes. Sales grew 600.0% last year.
Does it make a profit?
β298.2%
No. It lost money last year.
Does profit turn into cash?
β276.2%
No. It spent more cash than it brought in.
How healthy are the accounts?
3 / 7
Weak. It passes 3 of 7 health tests.
How is the share priced?
0.2x
One share costs 0.2 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Beeline Holdings, Inc. did it, and the next one. Share prices often move a lot on those days.
Next results
November 12, 2026
Thursday Β· in 17 days
| Date | Results for | Time | Source |
|---|---|---|---|
| Aug 13, 2026 | Q2 '26 | After the market closes | 8-K β |
| May 14, 2026 | Q1 '26 | After the market closes | 8-K β |
| Mar 30, 2026 | Q4 '25 | After the market closes | 8-K β |
| Nov 6, 2025 | Q3 '25 | Before the market opens | 8-K β |
| Aug 14, 2025 | Q2 '25 | After the market closes | 8-K β |
| May 20, 2025 | Q1 '25 | After the market closes | 8-K β |
| Apr 15, 2025 | Q4 '24 | After the market closes | 8-K β |
| Nov 14, 2024 | Q3 '24 | After the market closes | 8-K β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
KIRA Β· Beeline Holdings, Inc. had $7.8M of revenue in fiscal 2025, up 600.0% on the year before. Over five years, revenue changed β11.1% a year on average. Its operating margin was β251.5%, up 215.5Β pts: of every 100 in sales, about β251 is left after running the business.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
Revenue
Margins, % of revenue
Margins, % of revenue
KIRA Β· Beeline Holdings, Inc. lost $23.2M in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
Net income
Diluted EPS
Diluted EPS
How much cash comes in, and where does it go?
KIRA Β· Free cash flow was β$21.5M in fiscal 2025, β276.2% of revenue.
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations vs capital spending
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
Diluted shares outstanding (annual)
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Can it carry its debts, and how well does it use its money?
Cash, debt and the ratios that show how comfortably Beeline Holdings, Inc. can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $3.3M | $0.7M | $0.3M | $0.1M | $3.1M |
| Debt incl. finance leases | $9.0M | $8.4M | $8.0M | β | β |
| Debt / equity | 0.7x | β | 9.4x | β | β |
| Interest coverage | β5.5x | β3.0x | β2.2x | β2.3x | β8.6x |
| Current ratio | 1.5x | 0.5x | 1.1x | 0.6x | 1.2x |
| Quick ratio | 0.8x | 0.2x | 0.4x | 0.5x | 1.2x |
| Total assets | $33.6M | $21.5M | $17.5M | $66.5M | $70.2M |
| Total liabilities | $20.2M | $23.0M | $16.6M | $17.5M | $16.6M |
| Shareholders' equity | $13.4M | β$1.5M | $0.9M | $47.9M | $53.6M |
| Net debt (β = net cash) | $5.7M | $7.7M | $7.7M | β | β |
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
KIRA Β· Beeline Holdings, Inc. passes 3 of 7 financial health tests (Piotroski F-score).
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β | β | β | β |
| F-score | β / 3 | 2 / 9 | 4 / 9 | 2 / 9 | 3 / 9 | 2 / 8 | 2 / 8 | 5 / 9 | 2 / 7 | 3 / 7 |
| Accruals ratio | β9.6% | 30.0% | 27.5% | β12.9% | β20.3% | 11.5% | β55.9% | β29.3% | β19.3% | β2.5% |
| Altman Z'' | β23.25 | β4.46 | 2.38 | β4.09 | β10.93 | β5.48 | β15.49 | β16.18 | β2.88 | β4.03 |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $2.1M | $2.6M | $6.1M | $11.6M | $14.0M | $12.4M | $13.9M | $3.8M | $1.1M | $7.8M |
| Gross profit | $0.8M | $1.0M | $2.3M | $4.1M | $3.6M | $2.9M | $2.4M | $1.1M | β | β |
| Operating income | β$4.3M | β$4.8M | β$8.3M | β$10.0M | β$8.2M | β$6.9M | β$6.6M | β$2.4M | β$5.2M | β$19.5M |
| Interest expense | $0.9M | $0.2M | $0.8M | $0.5M | $1.1M | $1.3M | $2.2M | $1.1M | $2.2M | $2.3M |
| Pretax income | β$5.2M | β$5.3M | β$9.0M | β$13.1M | β$9.6M | β$6.1M | β$16.3M | β$4.8M | β$2.4M | β$22.7M |
| Net income | β$5.2M | β$5.3M | β$9.0M | β$13.1M | β$9.9M | β$2.2M | β$16.3M | β$7.5M | β$11.3M | β$23.2M |
| Net income to common | β$5.3M | β$5.3M | β$9.0M | β$16.9M | β$9.9M | β$4.5M | β$16.4M | β$7.7M | β$11.5M | β$31.5M |
| Diluted EPS | β$4.21 | β$1.42 | β$1.49 | β$1.82 | β$0.98 | β | β$21.40 | β$70.42 | β$46.63 | β$2.23 |
| Diluted shares | 0.00B | 0.00B | 0.01B | 0.01B | 0.01B | β | 0.00B | 0.00B | 0.00B | 0.01B |
| Cash flow | ||||||||||
| Cash from operations | β$5.0M | β$7.0M | β$13.9M | β$9.1M | β$3.0M | β$5.9M | β$0.9M | β$1.8M | β$3.2M | β$21.4M |
| Capital expenditure | $0.0M | $0.7M | $1.3M | $2.2M | $0.5M | $0.3M | $2.5M | $0.1M | β | $0.0M |
| Free cash flow | β$5.0M | β$7.7M | β$15.2M | β$11.3M | β$3.5M | β$6.2M | β$3.4M | β$1.9M | β | β$21.5M |
| Depreciation and amortization | $0.0M | $0.1M | $0.4M | $1.7M | $2.3M | $1.2M | $1.5M | $0.1M | $0.8M | $3.3M |
| Stock-based compensation | $0.4M | $0.6M | $0.7M | $0.7M | $0.3M | $0.0M | $0.0M | β | β | $2.9M |
| Acquisitions | β | β | β | $1.5M | β | β | β | β | β | β |
| Balance sheet | ||||||||||
| Cash and short-term investments | $1.1M | $2.6M | $10.6M | $0.3M | $0.8M | $3.3M | $0.7M | $0.3M | $0.1M | $3.1M |
| Total debt | $0.6M | $2.5M | $2.3M | $5.4M | $5.5M | $9.0M | $8.4M | $8.0M | β | β |
| Deposits | $0.0M | $0.0M | $0.0M | β | β | β | β | β | β | $0.2M |
| Current assets | $2.4M | $7.6M | $23.5M | $14.5M | $12.8M | $14.1M | $6.6M | $4.5M | $10.0M | $19.4M |
| Current liabilities | $1.0M | $1.7M | $2.4M | $6.1M | $30.3M | $9.5M | $13.0M | $4.2M | $16.2M | $16.3M |
| Inventory | $0.8M | $4.1M | $11.0M | $7.1M | $6.7M | $6.5M | $4.4M | $2.7M | $1.5M | β |
| Property and equipment, net | $0.1M | $0.7M | $1.8M | $4.7M | $3.1M | $2.2M | $5.7M | $0.2M | $14.7M | $11.7M |
| Goodwill | β | $0.0M | $0.0M | $0.0M | β | β | β | β | $33.3M | $33.3M |
| Intangible assets | β | $0.3M | $0.3M | $14.7M | $14.0M | $13.6M | $5.8M | $4.2M | $4.9M | $4.8M |
| Total assets | $2.5M | $9.0M | $26.4M | $35.9M | $31.7M | $33.6M | $21.5M | $17.5M | $66.5M | $70.2M |
| Total liabilities | $1.4M | $3.9M | $7.6M | $28.5M | $32.8M | $20.2M | $23.0M | $16.6M | $17.5M | $16.6M |
| Preferred stock | $0.2M | β | β | β | β | β | β | β | β | β |
| Shareholders' equity | $1.1M | $5.1M | $18.8M | $7.3M | β$1.1M | $13.4M | β$1.5M | $0.9M | $47.9M | $53.6M |
| Margins | ||||||||||
| Gross margin | 39.3% | 37.4% | 37.7% | 34.9% | 25.9% | 23.5% | 17.6% | 28.0% | β | β |
| Operating margin | β203.9% | β185.0% | β134.9% | β85.6% | β58.4% | β55.7% | β47.9% | β64.0% | β467.0% | β251.5% |
| EBITDA margin | β202.8% | β181.5% | β128.9% | β71.1% | β42.1% | β45.7% | β36.9% | β60.1% | β398.7% | β208.8% |
| Net margin | β246.6% | β202.1% | β147.8% | β112.9% | β70.4% | β17.7% | β117.2% | β199.0% | β1,021.0% | β298.2% |
| FCF margin | β235.4% | β293.7% | β248.5% | β97.2% | β25.2% | β50.1% | β24.3% | β49.7% | β | β276.2% |
| Returns | ||||||||||
| Return on capital | β557.7% | β75.4% | β62.7% | β63.4% | β180.7% | β28.6% | β84.6% | β22.3% | β | β |
| Return on capital employed | β275.4% | β66.1% | β34.4% | β33.5% | β555.7% | β28.7% | β78.5% | β18.3% | β10.3% | β36.3% |
| Return on equity | β459.0% | β168.1% | β75.7% | β100.7% | β316.8% | β35.7% | β273.8% | β | β46.5% | β45.7% |
| Return on assets | β204.1% | β91.2% | β51.1% | β42.2% | β29.2% | β6.7% | β59.1% | β38.7% | β27.0% | β33.9% |
| Return on tangible equity | β463.6% | β110.1% | β49.1% | β | β | β | β | β | β119.2% | β203.7% |
| Growth | ||||||||||
| Revenue growth | β | 23.8% | 134.5% | 89.9% | 20.5% | β11.5% | 12.0% | β72.7% | β70.7% | 600.0% |
| Share count change | β | 198.1% | 63.4% | 52.7% | 8.1% | β | β | β85.8% | 125.8% | 5,642.9% |
| Financial health | ||||||||||
| Debt / equity | 0.5x | 0.5x | 0.1x | 0.7x | β | 0.7x | β | 9.4x | β | β |
| Interest coverage | β5.0x | β20.5x | β10.5x | β19.6x | β7.5x | β5.5x | β3.0x | β2.2x | β2.3x | β8.6x |
| Current ratio | 2.4x | 4.4x | 9.9x | 2.4x | 0.4x | 1.5x | 0.5x | 1.1x | 0.6x | 1.2x |
| Quick ratio | 1.6x | 2.1x | 5.3x | 1.2x | 0.2x | 0.8x | 0.2x | 0.4x | 0.5x | 1.2x |
| Capital allocation | ||||||||||
| Capex / revenue | 0.4% | 25.2% | 21.2% | 18.7% | 3.7% | 2.1% | 18.0% | 1.6% | β | 0.2% |
| Stock comp / revenue | 17.8% | 21.6% | 10.7% | 5.7% | 2.1% | 0.2% | 0.0% | β | β | 37.5% |
| Quality scores | ||||||||||
| Piotroski F-score | β | 2.0 | 4.0 | 2.0 | 3.0 | 2.0 | 2.0 | 5.0 | 2.0 | 3.0 |
| Altman Z'' | β23.2 | β4.5 | 2.4 | β4.1 | β10.9 | β5.5 | β15.5 | β16.2 | β2.9 | β4.0 |
| Accruals ratio | β9.6% | 30.0% | 27.5% | β12.9% | β20.3% | 11.5% | β55.9% | β29.3% | β19.3% | β2.5% |
Source: SEC EDGAR XBRL filings (CIK 0001534708). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β not investment advice. Check the original filings before relying on any figure.
