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BLEND LABS INC-A (BLND) Stock Fundamental Analysis

NYSE:BLND - New York Stock Exchange, Inc. - US09352U1088 - Common Stock - Currency: USD

3.78  -0.16 (-4.06%)

After market: 3.78 0 (0%)

Fundamental Rating

3

BLND gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 284 industry peers in the Software industry. BLND scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BLND is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

BLND had negative earnings in the past year.
In the past year BLND has reported a negative cash flow from operations.
BLND had negative earnings in each of the past 5 years.
In the past 5 years BLND always reported negative operating cash flow.
BLND Yearly Net Income VS EBIT VS OCF VS FCFBLND Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 -200M -400M -600M

1.2 Ratios

With a Return On Assets value of -46.09%, BLND is not doing good in the industry: 84.78% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -97.61%, BLND is doing worse than 77.54% of the companies in the same industry.
Industry RankSector Rank
ROA -46.09%
ROE -97.61%
ROIC N/A
ROA(3y)-94.31%
ROA(5y)-73.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
BLND Yearly ROA, ROE, ROICBLND Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 500 -500

1.3 Margins

With a Gross Margin value of 54.58%, BLND is not doing good in the industry: 67.39% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of BLND has declined.
The Profit Margin and Operating Margin are not available for BLND so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 54.58%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.98%
GM growth 5YN/A
BLND Yearly Profit, Operating, Gross MarginsBLND Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 -100 -200 -300

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6

2. Health

2.1 Basic Checks

BLND does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BLND has been increased compared to 1 year ago.
Compared to 1 year ago, BLND has a worse debt to assets ratio.
BLND Yearly Shares OutstandingBLND Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 50M 100M 150M 200M
BLND Yearly Total Debt VS Total AssetsBLND Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

BLND has an Altman-Z score of -4.10. This is a bad value and indicates that BLND is not financially healthy and even has some risk of bankruptcy.
BLND's Altman-Z score of -4.10 is on the low side compared to the rest of the industry. BLND is outperformed by 83.33% of its industry peers.
BLND has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -4.1
ROIC/WACCN/A
WACC14.91%
BLND Yearly LT Debt VS Equity VS FCFBLND Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

BLND has a Current Ratio of 3.24. This indicates that BLND is financially healthy and has no problem in meeting its short term obligations.
BLND has a better Current ratio (3.24) than 77.90% of its industry peers.
A Quick Ratio of 3.24 indicates that BLND has no problem at all paying its short term obligations.
The Quick ratio of BLND (3.24) is better than 77.90% of its industry peers.
Industry RankSector Rank
Current Ratio 3.24
Quick Ratio 3.24
BLND Yearly Current Assets VS Current LiabilitesBLND Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.52% over the past year.
BLND shows a decrease in Revenue. In the last year, the revenue decreased by -4.17%.
Measured over the past years, BLND shows a quite strong growth in Revenue. The Revenue has been growing by 17.78% on average per year.
EPS 1Y (TTM)68.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)-4.17%
Revenue growth 3Y17.78%
Revenue growth 5YN/A
Sales Q2Q%11.32%

3.2 Future

The Earnings Per Share is expected to grow by 31.68% on average over the next years. This is a very strong growth
BLND is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.87% yearly.
EPS Next Y83.61%
EPS Next 2Y45.82%
EPS Next 3Y31.68%
EPS Next 5YN/A
Revenue Next Year3.25%
Revenue Next 2Y11.66%
Revenue Next 3Y14.87%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
BLND Yearly Revenue VS EstimatesBLND Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
BLND Yearly EPS VS EstimatesBLND Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 -0.2 -0.4 -0.6

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2

4. Valuation

4.1 Price/Earnings Ratio

BLND reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 71.27, which means the current valuation is very expensive for BLND.
The rest of the industry has a similar Price/Forward Earnings ratio as BLND.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, BLND is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 71.27
BLND Price Earnings VS Forward Price EarningsBLND Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BLND Per share dataBLND EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4 0.6

4.3 Compensation for Growth

BLND's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BLND's earnings are expected to grow with 31.68% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y45.82%
EPS Next 3Y31.68%

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0

5. Dividend

5.1 Amount

BLND does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BLEND LABS INC-A

NYSE:BLND (2/21/2025, 8:04:01 PM)

After market: 3.78 0 (0%)

3.78

-0.16 (-4.06%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)02-27 2025-02-27/amc
Inst Owners73.95%
Inst Owner Change-89.66%
Ins Owners3.57%
Ins Owner Change2.19%
Market Cap967.42M
Analysts80
Price Target5.56 (47.09%)
Short Float %4%
Short Ratio3.26
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)77.72%
Min EPS beat(2)55.44%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)43.35%
Min EPS beat(4)-1.81%
Max EPS beat(4)100%
EPS beat(8)6
Avg EPS beat(8)25.27%
EPS beat(12)9
Avg EPS beat(12)16.44%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)3.72%
Min Revenue beat(2)1.73%
Max Revenue beat(2)5.71%
Revenue beat(4)2
Avg Revenue beat(4)0.62%
Min Revenue beat(4)-4.15%
Max Revenue beat(4)5.71%
Revenue beat(8)4
Avg Revenue beat(8)1.34%
Revenue beat(12)7
Avg Revenue beat(12)2.86%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)23.86%
EPS NQ rev (1m)316.5%
EPS NQ rev (3m)316.5%
EPS NY rev (1m)7.95%
EPS NY rev (3m)25%
Revenue NQ rev (1m)-1.77%
Revenue NQ rev (3m)-1.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.21%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 71.27
P/S 6.17
P/FCF N/A
P/OCF N/A
P/B 11.01
P/tB 11.27
EV/EBITDA N/A
EPS(TTM)-0.17
EYN/A
EPS(NY)0.05
Fwd EY1.4%
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.11
OCFYN/A
SpS0.61
BVpS0.34
TBVpS0.34
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -46.09%
ROE -97.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 54.58%
FCFM N/A
ROA(3y)-94.31%
ROA(5y)-73.61%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.98%
GM growth 5YN/A
F-Score5
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 304.94%
Cap/Sales 4.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.24
Quick Ratio 3.24
Altman-Z -4.1
F-Score5
WACC14.91%
ROIC/WACCN/A
Cap/Depr(3y)19.78%
Cap/Depr(5y)21.09%
Cap/Sales(3y)0.66%
Cap/Sales(5y)0.92%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.52%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y83.61%
EPS Next 2Y45.82%
EPS Next 3Y31.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.17%
Revenue growth 3Y17.78%
Revenue growth 5YN/A
Sales Q2Q%11.32%
Revenue Next Year3.25%
Revenue Next 2Y11.66%
Revenue Next 3Y14.87%
Revenue Next 5YN/A
EBIT growth 1Y66.18%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year83.54%
EBIT Next 3Y36%
EBIT Next 5YN/A
FCF growth 1Y80.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y84.35%
OCF growth 3YN/A
OCF growth 5YN/A