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Home CompaniesBlend Labs Inc

Blend Labs Inc

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
1.045 USD -0.04 ( 3.24%)
Last update at 2026-11-11T20:58:00Z
VOLUME
540666
Market Cap
410.40M

Momentum Score

…

Blend Labs, Inc. provides a cloud-based software platform for financial services firms in the United States, India, and Mexico. The company offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, rapid home lending, personal loans, credit cards, and deposit accounts; and a suite of add-on products that offers to enhance consumers' journeys to homeownership, such as close, income verification for mortgage and home equity lines of credit, and home equity loans. It also provides Blend Builder to configure or build custom workflows from a pre-built set of components; verification components to automate confirmation tasks that are needed to underwrite a loan or approve the opening of a new deposit account; decisioning components to reduce the need for human intervention by automatically applying business rules throughout an application workflow configured by a financial services firm; AI capabilities; and workflow intelligence components to manage data collection and automate tasks throughout the loan origination process. In addition, the company offers application programming interfaces, which integrate the capabilities of technology, data, and service providers into software platform, as well as support services, professional and consulting services. It serves banks, credit unions, fintechs, and other non-bank mortgage lenders. The company was incorporated in 2012 and is headquartered in Novato, California.

Source: TradingView
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Day Price Range
1.02
Low
1.10
High
52 Week Price Range
1.33
Low
4.49
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Blend Labs Inc operates a cloud-based digital lending platform that enables banks and other lenders to originate and manage mortgages and consumer loans via SaaS and transaction-based services. Long-term growth may be driven by continued digital transformation at financial institutions, expansion into additional lending verticals, and deeper adoption of recurring-platform revenue, which could support scale and network effects that investors may find attractive.
The primary investment risks include sensitivity to mortgage origination volumes and interest-rate cycles, competitive and execution pressures toward achieving sustained profitability, customer concentration and data-security or regulatory compliance exposures that could materially affect growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.08
Dividend Yield
-
Revenue TTM
123.58M
Revenue Per Share
0.48
Gross Profit TTM
91.17M
Debt / Equity
-5.27
ROE
-0.85%
Net Debt
117.39M
ROCE
-16.05%
Diluted EPS TTM
-0.07

Stock Analysis

How is Blend Labs positioning Autopilot for lenders?

Sonal Goyal | 2 weeks, 1 day ago
View All

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -0.88M -43.31M -179.78M -766.05M -208.03M
Minority interest -1.07M -6.18M 43.17M -43.64M -0.77M
Net income -6.80M -49.60M -185.32M -763.81M -169.14M
Selling general administrative 50.12M 50.56M 70.69M 139.12M 128.80M
Selling and marketing expenses 29.07M 36.05M 60.13M 85.25M 84.08M
Gross profit 91.09M 90.54M 81.14M 89.65M 115.99M
Reconciled depreciation 3.82M 4.82M 5.91M 14.42M 13.81M
Ebit -20.94M -36.56M -148.97M -281.22M -197.24M
Ebitda -17.12M -31.74M -143.21M -261.89M -182.94M
Depreciation and amortization 3.82M 4.82M 5.76M 19.33M 14.31M
Non operating income net other - - - 4.92M -
Operating income -20.94M -49.62M -156.22M -281.22M -197.24M
Other operating expenses 144.45M 211.64M 313.07M 516.42M 431.74M
Interest expense 0.00M 6.75M 30.81M 24.79M 11.28M
Tax provision 0.25M 0.11M 0.64M -2.24M -38.89M
Net interest income 0.00M -6.75M -31.07M -24.79M -11.28M
Non recurring - - - 464.95M -
Income tax expense 0.25M 0.11M 0.09M -2.24M -38.89M
Total revenue 123.51M 162.02M 156.85M 235.20M 234.50M
Total operating expenses 112.03M 140.16M 237.36M 370.87M 313.23M
Cost of revenue 32.42M 71.47M 75.71M 145.55M 118.51M
Total other income expense net 19.99M 6.31M -23.56M -484.83M -10.79M
Net income from continuing ops -1.13M -43.42M -230.95M -720.17M -169.14M
Net income applicable to common shares - - - -768.61M -171.34M
Preferred stock and other adjustments - - - 48.44M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 170.04M 178.01M 206.06M 432.76M 1112.49M
Intangible assets - 2.08M 2.11M 2.13M 173.01M
Other current assets 15.49M 16.79M 12.98M 19.23M 31.71M
Total liab 200.60M 181.99M 179.12M 268.84M 301.89M
Total stockholder equity -30.55M -56.36M -19.24M 123.17M 774.64M
Deferred long term liab - - - 1.69M 4.18M
Other current liab 17.99M 14.26M 16.04M 21.43M 41.95M
Common stock 0.00M 0.00M 0.00M 0.00M 0.00M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings -1391.86M -1384.97M -1341.63M -1162.94M -442.76M
Other liab - - - 5.48M 13.41M
Good will - - - 0.00M 287.23M
Other assets - - - 11.73M 12.86M
Cash 43.58M 42.24M 30.96M 124.20M 213.08M
Total current liabilities 39.53M 38.95M 31.57M 35.47M 60.03M
Current deferred revenue 19.46M 19.24M 8.98M 8.70M 8.07M
Net debt 117.39M -38.41M 118.73M 107.78M 15.37M
Short term debt 0.25M 3.03M 4.38M 4.09M 3.86M
Short long term debt total 160.97M 3.83M 149.69M 231.98M 228.45M
Other stockholder equity 1360.70M 1328.02M 1321.94M 1286.82M 1218.21M
Property plant equipment - - - 5.74M 20.87M
Total current assets 97.86M 135.17M 169.84M 396.10M 613.02M
Long term investments 40.07M 9.80M - - -
Net tangible assets - - - 163.92M 314.41M
Short term investments 24.74M 56.23M 105.96M 229.95M 334.15M
Net receivables 14.05M 19.90M 19.94M 22.72M 34.08M
Long term debt - - 138.33M 216.80M 213.84M
Inventory - - - - 28.43M
Accounts payable 1.83M 2.42M 2.17M 1.26M 6.16M
Accumulated other comprehensive income 0.60M 0.60M 0.44M -0.71M -0.81M
Common stock total equity - - - 0.00M -
Retained earnings total equity - - - -1162.94M -
Non currrent assets other 7.72M 17.17M 21.61M 17.13M 18.36M
Non current assets total 72.18M 42.84M 36.23M 36.67M 499.47M
Capital lease obligations 1.48M 3.83M 11.36M 15.18M 14.61M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 30.32M 45.40M 131.46M 101.50M -633.91M
Change to liabilities - - - -25.37M -4.00M
Total cashflows from investing activities 18.54M 45.40M 127.31M 99.43M -633.91M
Net borrowings 0.00M -144.50M -85.06M - 218.79M
Total cash from financing activities -32.59M -21.06M -90.96M 2.22M 933.57M
Change to operating activities - - - -12.50M -3.24M
Net income -25.97M -43.42M -179.88M -763.81M -169.14M
Change in cash -3.69M 11.28M -91.30M -88.88M 172.15M
Begin period cash flow 47.27M 38.25M 129.56M 218.44M 46.29M
End period cash flow 43.58M 49.54M 38.25M 129.56M 218.44M
Total cash from operating activities 11.51M -13.04M -127.62M -190.42M -127.50M
Issuance of capital stock 0.00M 149.38M 0.00M 0.00M 676.51M
Depreciation 3.82M 4.82M 5.76M 14.42M 13.81M
Other cashflows from investing activities 18.89M -5.28M -2.50M - -3.00M
Change to account receivables 5.76M 0.92M 4.27M 12.29M -5.84M
Sale purchase of stock -24.87M 0.00M -6.17M -0.39M -
Other cashflows from financing activities -9.37M 123.44M -6.17M 99.43M 566.77M
Change to netincome - - - 558.65M 34.48M
Capital expenditures 11.59M 9.84M 0.59M 2.07M 1.89M
Change receivables - - - 12.29M -
Cash flows other operating - - - 14.00M -
Cash and cash equivalents changes - - - -88.77M -
Change in working capital -2.73M 1.89M -4.25M -4.48M -13.07M
Stock based compensation 28.95M 28.08M 46.02M 109.70M 70.84M
Other non cash items 7.43M -4.41M 4.73M 453.76M 9.36M
Free cash flow -0.08M -22.89M -128.21M -192.49M -129.39M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
BLND
Blend Labs Inc		 -0.04
3.24%		 1.04 - 22.57 3.32 2.00 2.75 115.40
SAP
SAP SE ADR		 0.36
0.15%		 234.10 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 4.02
1.88%		 217.50 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 -0.33
0.14%		 234.00 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 2.65
1.81%		 149.26 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

Blend Labs Inc

Blend Labs, Inc. provides a cloud-based software platform for financial services firms in the United States, India, and Mexico. The company offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, rapid home lending, personal loans, credit cards, and deposit accounts; and a suite of add-on products that offers to enhance consumers' journeys to homeownership, such as close, income verification for mortgage and home equity lines of credit, and home equity loans. It also provides Blend Builder to configure or build custom workflows from a pre-built set of components; verification components to automate confirmation tasks that are needed to underwrite a loan or approve the opening of a new deposit account; decisioning components to reduce the need for human intervention by automatically applying business rules throughout an application workflow configured by a financial services firm; AI capabilities; and workflow intelligence components to manage data collection and automate tasks throughout the loan origination process. In addition, the company offers application programming interfaces, which integrate the capabilities of technology, data, and service providers into software platform, as well as support services, professional and consulting services. It serves banks, credit unions, fintechs, and other non-bank mortgage lenders. The company was incorporated in 2012 and is headquartered in Novato, California.

7250 Redwood Blvd., Novato, CA, United States, 94945

650 550 4810

https://www.blend.com

419

Name Title Year Born
Mr. Nima Ghamsari Co-Founder, Chairman, CEO & Head of Blend 1986
Mr. Timothy J. Mayopoulos Pres & Director 1959
Mr. Erin James Collard Co-Founder & Director 1980
Ms. Crystal Sumner Head of Legal, Compliance and Risk & Corp. Sec. 1984
Mr. Rosco Hill Co-Founder NA
Mr. Marc S. Greenberg Head Of Fin. and Facilities & Principal Financial Officer 1971
Mr. Sebastian Joll Head of Customer Success & Operations NA
Mr. Manish Gupta Controller & Principal Accounting Officer 1972
Mr. Dan L. Smith Head of Treasury & Investor Relations NA
Mr. Naman Khan Head of Marketing NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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