Blend Labs Financials

BLND Stock  USD 3.48  0.10  2.79%   
Based on the key indicators related to Blend Labs' liquidity, profitability, solvency, and operating efficiency, Blend Labs may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Blend Labs' Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Current Liabilities is expected to grow to about 40.8 M, whereas Current Deferred Revenue is forecasted to decline to about 13 M. Key indicators impacting Blend Labs' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio3.33.4704
Notably Down
Pretty Stable
Investors should never underestimate Blend Labs' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Blend Labs' cash flow, debt, and profitability to make informed and accurate decisions about investing in Blend Labs.

Net Income

(63.51 Million)

  
Understanding current and past Blend Labs Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Blend Labs' financial statements are interrelated, with each one affecting the others. For example, an increase in Blend Labs' assets may result in an increase in income on the income statement.
Please note, the presentation of Blend Labs' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Blend Labs' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Blend Labs' management manipulating its earnings.

Blend Labs Stock Summary

Blend Labs competes with Enfusion, VTEX, ON24, Expensify, and Braze. Blend Labs, Inc. provides cloud-based software platform solutions for financial services firms in the United States. Blend Labs, Inc. was incorporated in 2012 and is headquartered in San Francisco, California. Blend Labs operates under SoftwareApplication classification in the United States and is traded on New York Stock Exchange. It employs 1689 people.
Specialization
Information Technology, Software - Application
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS09352U1088
CUSIP09352U108
LocationCalifornia; U.S.A
Business Address415 Kearny Street,
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websiteblend.com
Phone650 550 4810
CurrencyUSD - US Dollar

Blend Labs Key Financial Ratios

Blend Labs Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets215.7M1.1B432.8M206.1M178.0M307.5M
Other Current Liab15.4M41.9M21.4M16.0M17.3M20.6M
Net Debt(24.5M)15.4M107.8M118.7M(41.4M)(39.4M)
Retained Earnings(272.9M)(442.8M)(1.2B)(1.3B)(1.4B)(1.3B)
Accounts Payable3.4M6.2M1.3M2.2M2.4M2.5M
Cash41.1M213.1M124.2M31.0M42.2M63.2M
Net Receivables24.2M39.4M24.0M19.9M17.4M24.9M
Other Current Assets10.2M26.4M18.0M13.0M19.3M16.4M
Total Liab52.4M301.9M268.8M179.1M40.3M38.3M
Net Invested Capital(221.9M)988.5M340.0M119.1M(56.4M)(53.5M)
Total Current Assets186.1M613.0M396.1M169.8M135.2M219.3M
Net Working Capital151.1M553.0M360.6M138.3M96.2M189.6M
Short Term Debt2.6M3.9M4.1M4.4M3.9M3.3M
Intangible Assets1.2M173.0M2.1M2.1M2.1M2.0M

Blend Labs Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision26K(38.9M)(2.2M)644K109K114.5K
Interest Expense700K11.3M24.8M30.8M(6.7M)(6.4M)
Total Revenue96.0M234.5M235.2M156.8M162.0M171.5M
Gross Profit61.7M116.0M89.7M81.1M90.5M86.2M
Operating Income(75.3M)(197.2M)(281.2M)(156.2M)(49.6M)(52.1M)
Ebit(74.6M)(196.7M)(741.3M)(149.0M)(134.1M)(140.8M)
Research Development55.5M92.2M138.1M81.6M46.1M84.7M
Ebitda(68.2M)(182.9M)(726.8M)(143.2M)(49.6M)(52.1M)
Cost Of Revenue34.3M118.5M145.6M75.7M71.5M85.3M
Income Before Tax(74.6M)(208.0M)(766.1M)(179.8M)(43.3M)(45.5M)
Net Income(74.6M)(169.1M)(763.8M)(185.3M)(60.5M)(63.5M)
Income Tax Expense26K(38.9M)(2.2M)94K(109K)(114.5K)

Blend Labs Key Cash Accounts

202020212022202320242025 (projected)
Investments(6.6M)(633.9M)101.5M131.5M45.4M47.7M
Change In Cash17.8M172.2M(88.9M)(91.3M)11.3M11.8M
Free Cash Flow(66.3M)(129.4M)(192.5M)(128.2M)(22.9M)(24.0M)
Depreciation4.0M13.8M14.4M5.8M4.8M8.7M
Other Non Cash Items6.7M9.4M453.8M4.7M(2.5M)(2.4M)
Capital Expenditures1.3M1.9M2.1M587K9.8M10.3M
Net Income(74.6M)(169.1M)(763.8M)(179.9M)(43.4M)(45.6M)
End Period Cash Flow46.3M218.4M129.6M38.3M49.5M68.1M

Blend Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Blend Labs's current stock value. Our valuation model uses many indicators to compare Blend Labs value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Blend Labs competition to find correlations between indicators driving Blend Labs's intrinsic value. More Info.
Blend Labs is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At present, Blend Labs' Return On Equity is projected to increase slightly based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Blend Labs by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Blend Labs Systematic Risk

Blend Labs' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Blend Labs volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Blend Labs correlated with the market. If Beta is less than 0 Blend Labs generally moves in the opposite direction as compared to the market. If Blend Labs Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Blend Labs is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Blend Labs is generally in the same direction as the market. If Beta > 1 Blend Labs moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Blend Labs Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Blend Labs' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Blend Labs growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.25

At present, Blend Labs' Price Earnings To Growth Ratio is projected to drop based on the last few years of reporting.

Blend Labs March 19, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Blend Labs help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Blend Labs. We use our internally-developed statistical techniques to arrive at the intrinsic value of Blend Labs based on widely used predictive technical indicators. In general, we focus on analyzing Blend Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Blend Labs's daily price indicators and compare them against related drivers.

Complementary Tools for Blend Stock analysis

When running Blend Labs' price analysis, check to measure Blend Labs' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Blend Labs is operating at the current time. Most of Blend Labs' value examination focuses on studying past and present price action to predict the probability of Blend Labs' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Blend Labs' price. Additionally, you may evaluate how the addition of Blend Labs to your portfolios can decrease your overall portfolio volatility.
Portfolio File Import
Quickly import all of your third-party portfolios from your local drive in csv format
Bollinger Bands
Use Bollinger Bands indicator to analyze target price for a given investing horizon
Global Correlations
Find global opportunities by holding instruments from different markets
Watchlist Optimization
Optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm
Piotroski F Score
Get Piotroski F Score based on the binary analysis strategy of nine different fundamentals
Portfolio Optimization
Compute new portfolio that will generate highest expected return given your specified tolerance for risk
Portfolio Analyzer
Portfolio analysis module that provides access to portfolio diagnostics and optimization engine
Latest Portfolios
Quick portfolio dashboard that showcases your latest portfolios
Idea Breakdown
Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes