Beeline Holdings, Inc. is a US-listed company in the commercial & residential mortgage finance industry. Its financial year ends in December.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $10m, up 256.0% on a year earlier, faster than the 121.8% growth a quarter earlier.
Our model value for Beeline Holdings is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 14, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Beeline Holdings, Inc.'s trailing-twelve-month revenue grew 256.0% year on year, with a free-cash-flow margin of -205.5%.
Current signal Revenue growth accelerating: TTM revenue growth rose to 256.0% (+134.2pp vs the prior quarter).
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Third-party market data · may be delayed
Company announcements, filed results and changes that matter to shareholders.
No model value for Beeline Holdings, Inc. at the moment. Current status: data-quality checks not passed. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Beeline Holdings, Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 8.3%: the 10-year Treasury yield (4.9%) plus a beta of 0.74 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$0.1 ~$1.2–$6.3 | Left out: out of range vs price (0.12x) |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Beeline Holdings, Inc. with asset managers, brokers and exchanges in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Weak moat
How hard Beeline Holdings's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Cash operating profit has been a median -10.0% of total assets over 7 years.
Operating margin has been a median -92.6%; its worst year was -466.0%.
The diluted share count rose 103.7% over five years; stock-based pay has been a median 3.9% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (30 before it).
Next results: November 12, 2026, after the close. Analysts expect revenue of $8m and EPS of −$0.01 (range −$0.01 to −$0.01) for the quarter.
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | −$0.01 | +100% | $28m | +260% |
| Next | $0.47 | +4800% | $63m | +126% |
Next year's EPS estimate has moved 0.0% in 90 days, across 1 analysts.
The consensus EPS forecast for the current fiscal year is −91.7% on 90 days ago. In the last 30 days, 0 analysts raised Beeline Holdings, Inc.'s forecast and 1 cut it.
Average of analysts' published estimates (third-party data).
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | −$0.12 | $0.47 |
| 60 days ago | −$0.12 | $0.47 |
| 30 days ago | −$0.12 | $0.47 |
| 7 days ago | −$0.12 | $0.47 |
| Now | −$0.01 | $0.47 |
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | −$0.05 | −$0.14 | −187.3% |
| Mar 2026 | −$0.10 | −$0.17 | −65.1% |
| Dec 2025 | −$0.31 | −$0.12 | +60.7% |
| Sept 2025 | −$0.24 | −$0.15 | +37.7% |
Adjusted EPS as companies report it, against the average analyst estimate.
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| BLNE | +40% | −87% | −72% | −25% | −82% | −62% |
| Industry peers (median) | +5% | −11% | +12% | +7% | +6% | +2% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| BLNE | 58% | 17% | 42% | 42% | 33% | 27% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| BLNE | −64% | −88% | −90% | −71% | −93% | −83% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since January 3, 2017: 100% from June 22, 2018 to October 14, 2026. Getting back needed a 293551% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| August 13, 2026 | −7.3% | +0.5% | −7.3% | −0.9% |
| May 14, 2026 | −38.3% | −0.4% | −29.7% | −27.4% |
| March 30, 2026 | +9.3% | +2.6% | −0.5% | −17.7% |
| November 6, 2025 | −4.5% | −1.0% | −21.3% | −7.2% |
| August 14, 2025 | −18.9% | −0.2% | −29.9% | +69.7% |
| May 20, 2025 | −4.1% | −2.0% | −23.8% | −17.8% |
| April 15, 2025 | −18.7% | −2.5% | −8.8% | −13.6% |
| November 14, 2024 | −6.0% | −1.9% | −3.9% | +37.7% |
| August 14, 2024 | −2.9% | +2.0% | +25.4% | −16.0% |
| May 13, 2024 | −35.0% | +0.5% | −40.6% | −42.3% |
| April 1, 2024 | −0.9% | −0.8% | −5.4% | +3.0% |
| November 14, 2023 | −3.8% | +2.2% | −14.2% | +1.9% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q3 | $8.6M |
| FY23 Q4 | $13.9M |
| FY24 Q1 | $13.4M |
| FY24 Q2 | $13.7M |
| FY24 Q3 | $13.7M |
| FY24 Q4 | $5.3M |
| FY25 Q1 | $4.1M |
| FY25 Q2 | $2.8M |
| FY25 Q3 | $4.4M |
| FY25 Q4 | $7.6M |
| FY26 Q1 | $9.1M |
| FY26 Q2 | $10M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q3 | -39.9% |
| FY23 Q4 | -0.0% |
| FY24 Q1 | 3.4% |
| FY24 Q2 | 27.1% |
| FY24 Q3 | 58.6% |
| FY24 Q4 | -62.1% |
| FY25 Q1 | -69.5% |
| FY25 Q2 | -79.5% |
| FY25 Q3 | -67.8% |
| FY25 Q4 | 45.1% |
| FY26 Q1 | 121.8% |
| FY26 Q2 | 256.0% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Operating margin (TTM) |
|---|---|
| FY23 Q3 | -56.7% |
| FY23 Q4 | -28.1% |
| FY24 Q1 | -23.2% |
| FY24 Q2 | -15.1% |
| FY24 Q3 | -16.1% |
| FY24 Q4 | -100.5% |
| FY25 Q1 | -234.0% |
| FY25 Q2 | -466.0% |
| FY25 Q3 | -352.8% |
| FY25 Q4 | -256.3% |
| FY26 Q1 | -219.9% |
| FY26 Q2 | -205.0% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q3 | -32.6% |
| FY23 Q4 | -13.6% |
| FY24 Q1 | -9.3% |
| FY24 Q2 | -11.1% |
| FY24 Q3 | -6.3% |
| FY24 Q4 | -65.7% |
| FY25 Q1 | -132.3% |
| FY25 Q2 | -344.7% |
| FY25 Q3 | -355.7% |
| FY25 Q4 | -324.7% |
| FY26 Q1 | -298.9% |
| FY26 Q2 | -205.5% |
| Fiscal year | 2011 Dec 2011 | 2012 Dec 2012 | 2013 Dec 2013 | 2014 Dec 2014 | 2015 Dec 2015 | 2016 Dec 2016 | 2017 Dec 2017 | 2018 Dec 2018 | 2019 Dec 2019 | 2020 Dec 2020 | 2021 Dec 2021 | 2022 Dec 2022 | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||||||
| Revenue | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 6 | 12 | 14 | 12 | 14 | 10 | 1 | 8 | 10 |
| Gross profit | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 2 | 4 | 4 | 3 | 2 | 1 | — | — | — |
| EBITDA | — | — | −0 | −4 | −4 | −4 | −5 | −8 | −8 | −6 | −6 | −5 | −2 | −4 | −16 | −17 |
| Operating income | −0 | −0 | −0 | −4 | −4 | −4 | −5 | −8 | −10 | −8 | −7 | −7 | −2 | −5 | −20 | −21 |
| Net income | −0 | −0 | 0 | −4 | −4 | −5 | −5 | −9 | −13 | −10 | −2 | −16 | −8 | −11 | −23 | −22 |
| Diluted EPS | $0.00 | $0.00 | −$12.00 | −$0.12 | −$942.00 | −$842.00 | −$1.42 | −$1.49 | −$1.82 | −$196.00 | — | −$214.00 | −$70.42 | −$46.63 | −$2.23 | — |
| Growth (year on year) | ||||||||||||||||
| Revenue | — | +63.8% | +619.8% | +63.0% | +62.1% | −9.4% | +23.8% | +134.5% | +89.9% | +20.5% | −11.5% | +12.0% | −24.4% | −89.4% | +600.0% | +256.0% |
| Net income | — | — | — | <−999% | — | — | — | — | — | — | — | — | — | — | — | — |
| Margins | ||||||||||||||||
| Gross margin | 97.9% | 92.4% | 49.8% | 39.1% | 35.8% | 39.3% | 37.4% | 37.7% | 34.9% | 25.9% | 23.5% | 17.6% | 10.1% | — | — | — |
| EBITDA margin | — | — | −9.0% | −281.9% | −151.4% | −202.8% | −181.5% | −128.9% | −71.1% | −42.1% | −45.7% | −36.9% | −21.7% | −398.7% | −208.8% | −172.3% |
| Operating margin | −13.8% | −41.7% | −9.3% | −282.3% | −152.2% | −203.9% | −185.0% | −134.9% | −85.6% | −58.4% | −55.7% | −47.9% | −23.1% | −467.0% | −251.5% | −205.0% |
| Net margin | −30.3% | −46.6% | 9.9% | −282.6% | −154.8% | −246.6% | −202.1% | −147.8% | −112.9% | −70.4% | −17.7% | −117.2% | −71.8% | <−999% | −298.2% | −215.3% |
| Free-cash-flow margin | — | — | — | −78.1% | −53.2% | −235.4% | −293.7% | −248.5% | −97.2% | −25.2% | −50.1% | −24.3% | −17.9% | — | −276.2% | −172.8% |
| Cash flow | ||||||||||||||||
| Cash from operations | −0 | −0 | 0 | −1 | −1 | −5 | −7 | −14 | −9 | −3 | −6 | −1 | −2 | −3 | −21 | −17 |
| Capital spending | — | — | — | 0 | 0 | 0 | 1 | 1 | 2 | 1 | 0 | 2 | 0 | — | 0 | 0 |
| Free cash flow | — | — | — | −1 | −1 | −5 | −8 | −15 | −11 | −4 | −6 | −3 | −2 | — | −21 | −17 |
| Stock-based pay | — | — | — | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 0 | — | — | 3 | — |
| Free cash flow after stock pay | — | — | — | −1 | −1 | −5 | −8 | −16 | −12 | −4 | −6 | −3 | — | — | −24 | — |
| Balance sheet | ||||||||||||||||
| Cash | — | — | — | — | 0 | 1 | 3 | 11 | 0 | 1 | 3 | 1 | 0 | 0 | 3 | 1 |
| Total debt | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 3 | 7 | 12 | 15 | 11 | 9 | 14 | 15 | 10 |
| Net debt (negative = net cash) | — | — | — | — | 0 | −1 | 0 | −8 | 7 | 11 | 11 | 10 | 8 | 14 | 11 | 9 |
| Diluted shares | — | — | — | 56m | — | 6m | — | — | — | — | — | — | — | — | 14m | — |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 1 | −1 | 1 | 2 | 2 | 2 | 3 | 3 |
| Gross profit | 0 | — | — | — | — | — | 3 | — |
| EBITDA | −0 | −4 | −4 | −3 | −2 | −7 | −4 | −4 |
| Operating income | −0 | −4 | −5 | −4 | −3 | −8 | −5 | −4 |
| Net income | −1 | −7 | −7 | −4 | −4 | −8 | −5 | −4 |
| Diluted EPS | −$0.66 | −$2.38 | −$0.61 | −$0.32 | −$0.20 | −$0.14 | −$0.18 | −$0.13 |
| Growth (year on year) | ||||||||
| Revenue | −5.7% | −111.5% | −48.3% | −43.2% | +208.4% | — | +116.2% | +56.6% |
| Margins | ||||||||
| Gross margin | 26.3% | — | — | — | — | — | 98.1% | — |
| EBITDA margin | −47.9% | 453.9% | −315.7% | −182.6% | −85.4% | −306.6% | −161.4% | −140.3% |
| Operating margin | −57.2% | 465.4% | −381.5% | −232.5% | −120.9% | −341.7% | −191.7% | −171.0% |
| Net margin | −178.8% | 829.6% | −547.1% | −243.1% | −167.2% | −354.0% | −195.8% | −153.7% |
| Free-cash-flow margin | −85.8% | 187.8% | −100.7% | −259.1% | −249.1% | −424.2% | −134.4% | 82.0% |
| Cash flow | ||||||||
| Cash from operations | −1 | −2 | −1 | −4 | −6 | −10 | −4 | 2 |
| Capital spending | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | −1 | −2 | −1 | −4 | −6 | −10 | −4 | 2 |
| Stock-based pay | — | — | — | — | — | — | 1 | 1 |
| Free cash flow after stock pay | — | — | — | — | — | — | −4 | 1 |
| Last 12 months unless stated | BLNE | CNF | FOA | TFSL | AGM | NMIH | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $10m | $16m | $337m | $344m | $446m | $731m | $1.2bn |
| Revenue growth, last 12 months | 256.0% | −84.2% | −42.3% | 10.5% | 14.7% | 7.5% | 11.4% |
| Revenue growth, 3-year average | −2.5% | — | 81.9% | 3.6% | 11.7% | 10.4% | 10.6% |
| Revenue growth, latest quarter | 56.6% | — | −64.8% | 8.8% | 21.8% | 8.1% | 13.2% |
| Operating margin | −205.0% | −163.7% | −0.5% | — | — | — | 1.5% |
| Net margin | −215.3% | −421.3% | −0.1% | 29.7% | 51.4% | 54.1% | 12.3% |
| Cash from operations / revenue | −172.8% | 75.6% | −164.8% | 28.5% | 69.6% | 61.4% | 11.5% |
| Free-cash-flow margin | −205.5% | 72.4% | −164.8% | 25.1% | 69.6% | 60.4% | −0.0% |
| Free-cash-flow margin, 3-year average | −187.1% | 76.1% | −115.7% | 28.3% | 86.3% | 59.2% | −13.2% |
| Stock pay / revenue | 0.0% | 2.1% | — | 2.5% | 1.9% | 2.8% | 1.9% |
| Change in share count | −12.5% | 6.9% | — | 0.1% | −0.3% | −3.0% | −0.3% |
| Line of business | Revenue | YoY |
|---|---|---|
| Beeline | $6.4M | — |
| Beeline Title Holdings | $1.4M | — |
| Craft CP | $1.1M | ▼ 55.6% |
| Nimble Title Holdings LLC | $160,000 | — |
These categories overlap or exclude eliminations, so shares aren't shown.
| Line of business | Revenue | Share | YoY |
|---|---|---|---|
| Gain On Sale of Loan | $5.4M | 69.1% | ▲ 611.2% |
| Title Fees | $1.4M | 17.7% | ▲ 618.2% |
| Loan Origination Fees | $1M | 13.1% | ▲ 376.2% |
| Other Revenues | $14,000 | 0.2% | ▲ 600.0% |
From Beeline Holdings, Inc.'s 10-K filed March 31, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Vanguard Capital Management LLC | $1.3M | 1.1M | 26.3% | ▲ 325.1% |
| Mml Investors Services, LLC | $769,454 | 631K | 15.1% | New |
| Geode Capital Management, LLC | $340,733 | 279K | 6.7% | ▲ 1.8% |
| Perkins Capital Management Inc | $290,360 | 238K | 5.7% | ▼ 2.9% |
| Emg Holdings, L.P. | $238,853 | 196K | 4.7% | 0.0% |
| Gsa Capital Partners LLP | $213,000 | 175K | 4.2% | New |
| Newedge Advisors, LLC | $207,034 | 170K | 4.1% | ▼ 32.9% |
| Blackrock, Inc. | $171,010 | 140K | 3.4% | ▲ 153.3% |
| Renaissance Technologies LLC | $159,448 | 131K | 3.1% | ▲ 670.8% |
| Vanguard Fiduciary Trust Co | $146,452 | 120K | 2.9% | ▲ 0.8% |
| LPL Financial LLC | $139,547 | 114K | 2.7% | ▲ 42.3% |
| Integrity Alliance, Llc. | $122,000 | 100K | 2.4% | New |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Beeline Holdings, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Liuzza Nicholas Reyland Jr Chief Executive Officer | September 11, 2026 | Buy | 33,190 | $1.04 | $34,518 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | September 10, 2026 | Buy | 93,200 | $1.01 | $94,132 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | September 9, 2026 | Buy | 22,500 | $1.04 | $23,400 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | September 1, 2026 | Buy | 96,000 | $1.03 | $98,880 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | August 31, 2026 | Buy | 245,000 | $0.98 | $240,100 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | August 27, 2026 | Buy | 5,000 | $1.06 | $5,300 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | August 26, 2026 | Buy | 15,000 | $0.98 | $14,700 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | August 25, 2026 | Buy | 2,500 | $1.02 | $2,550 |
| Liuzza Nicholas Reyland Jr Chief Executive Officer | May 19, 2026 | Buy | 51,525 | $1.04 | $53,586 |
| Milton Tiffany Chief Accounting Officer | May 19, 2026 | Buy | 10,000 | $1.02 | $10,200 |
| Milton Tiffany Chief Accounting Officer | May 19, 2026 | Buy | 5,000 | $1.02 | $5,100 |
| Moe Christopher R. Chief Financial Officer | May 19, 2026 | Buy | 10,000 | $1.04 | $10,400 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around November 5, 2026 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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