BLNE · NASDAQ · Financial - Mortgages

Beeline (BLNE)

Originates digital mortgages and provides the title and workflow services around them.

$1.01
vs last close+0.02 (+2.22%)
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Beeline Holdings, Inc.BLNE
Financial sector

Originate qualified and non-qualified residential mortgages through an AI-assisted digital workflow, then sell closed loans to aggregators. Revenue also comes from title and settlement work, plus services supporting a partner’s fractional-home-equity transactions; the model combines lending, closing, and workflow tools in one platform.

Originate qualified and non-qualified residential mortgages through Beeline Loans, using a digital application, task-based document workflow, and human Loan Guides. Closed loans are sold to aggregators, while Beeline Title Holdings provides title, escrow, settlement, and closing services for the platform, outside lenders, and fractional-equity transactions. Operations focus on U.S. residential property, with the principal office in Providence and technology support from Australia.

Extend the platform through BeelineEquity, which supplies customer service, transaction processing, and platform support to TYTL’s fractional-home-equity activity. Owned workflow tools include the portal, Point of Sale & Tracker, Resolution Engine, Bob chat agent, and BlinkQC; loan-origination and CRM systems remain licensed from third parties. Lending capacity depends on warehouse funding and sales to a limited group of loan purchasers, within mortgage, title, privacy, and AI regulatory requirements.

Company facts

CEONicholas R. Liuzza, Jr.
ListedMar 12, 2025
ExchangeNASDAQ
HeadquartersProvidence, RI
CountryUnited States
Employees84
CIK0001534708
ISINUS2778025005

Market cap$30.3M
EPS (ttm)−$2.66
P/E (ttm)−0.3715
ROE-39.7%
P/B0.5999
P/S2.96
Dividend yieldDiv yield
Beta2.69vs XLF 0.14

No analyst consensus on record.

Next report
Nov 13, 26
in 52 days
EPS estimate
−$0.01
Revenue estimate
$7.8M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Apr '25May '25Aug '25Nov '25Mar '26May '26Aug '26Nov '26
Reported−$23.53−$6.14−$0.41−$0.19−$0.31−$0.18−$0.13Pending
Estimate−$3.70−$5.50−$0.47−$0.24−$0.31−$0.10−$0.05−$0.01
Surprise−535.9%−11.6%+12.8%+20.8%0.0%−80.0%−160.0%

RevenueReportedEstimate

Apr '25May '25Aug '25Nov '25Mar '26May '26Aug '26Nov '26
Reported$663.0K$1.8M$1.7M$2.3M$2.5M$2.7M$2.6MPending
Estimate$3.9M$4.3M$2.3M$3.0M$2.7M$4.2M$5.9M$7.8M
Surprise−83.2%−57.0%−26.0%−23.3%−7.8%−36.1%−55.7%
Estimate−$0.01
ReportedDue Nov 13, 2026
Estimate$7.8M
ReportedDue Nov 13, 2026
View details

Debt to equity21.30%
Current ratio106.70%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$760.0K$1.9M$1.9M$1.8M$2.3M$2.6M$2.7M$2.6M
Net income−$1.4M−$7.2M−$6.8M−$4.1M−$2.6M−$8.6M−$5.3M−$4.0M
Net margin0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income−$452.0K−$7.7M−$4.9M−$3.9M−$2.8M−$8.1M−$5.2M−$4.5M
YoY growthLoss widenedLoss widenedLoss widenedLoss widenedLoss widenedLoss widenedLoss widenedLoss widened

Balance sheet, Jun 30, 2026Cash & short-term investments $34.0K · Total debt $10.7M · Total assets $62.9M · Shareholders' equity $50.5M

Revenue
$2.6M
Operating income
−$4.5M
Net income
−$4.0M
View details

No dividends on record.

Institutions12.69%4.18M shares
37 holders · as of Jun 30, 2026
Insiders30.57%10.07M shares
8 holders · as of Sep 14, 2026
Other56.74%18.68M shares
remainder

32.93M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
Nicholas Reyland JR Liuzza1Insiderdirector, 10 percent owner, officer: Chief Executive Officer
27.44%8.16Mfiled Sep 14, 2026
Sansar Capital Master Fund, L.P.Institution
9.24%3.04Mfiled May 4, 2026
Vanguard Capital Management LLCInstitution
3.34%1.10Mas of Jun 30, 2026
MML Investors Services, LLCInstitution
1.92%630,700as of Jun 30, 2026
Joseph David FreedmanInsiderdirector
1.16%381,901filed Jun 1, 2026
  1. Nicholas Reyland JR Liuzza's transaction reports restate only vehicles that traded; the 2026 ownership statement (8.16M) plus the 876.8K net shares acquired since is used instead.

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Sep 11, 2026Nicholas Reyland JR Liuzzadirector, 10 percent owner, officer: Chief Executive Officer+33,190$1.04
Sep 10, 2026Nicholas Reyland JR Liuzzadirector, 10 percent owner, officer: Chief Executive Officer+93,200$1.01
Sep 9, 2026Nicholas Reyland JR Liuzzadirector, 10 percent owner, officer: Chief Executive Officer+22,500$1.04
Sep 1, 2026Nicholas Reyland JR Liuzzadirector, 10 percent owner, officer: Chief Executive Officer+96,000$1.03
Aug 31, 2026Nicholas Reyland JR Liuzzadirector, 10 percent owner, officer: Chief Executive Officer+245,000$0.9768
View details

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Compare

CompanyPriceChange
Beeline$1.01+2.22%$30.3M5.63.0+52.9%
Rocket Companies$12.70+2.71%$34.90B84.717.83.6+113.7%
Better Home & Finance$12.58+1.25%$194.6M0.9+23.9%
loanDepot$0.7215+1.56%$238.0M39.40.2+19.4%
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Median60.023.42.3+32.5%