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Blend Labs, Inc.

BLND

Services-Computer Programming, Data Processing, Etc.

Mkt Cap

$676M

PE

-2.86

Debt

$219M

Cash

$91.85M

EV

$803.2M

FCF

-$155.2M

Market Cap

$676M

P/E Ratio

-2.86

Debt

$219M

Cash

$91.85M

EV

$803.2M

FCF

-$155.2M
Charts data: {"Earnings":[{"time":"2019-12-30","value":-81452000},{"time":"2020-12-30","value":-171343000},{"time":"2021-12-30","value":-169913000},{"time":"2022-12-30","value":-768610000}],"Sales":[{"time":"2019-12-30","value":50671000},{"time":"2020-12-30","value":96029000},{"time":"2021-12-30","value":234495000},{"time":"2022-12-30","value":235201000}],"Net Margins":[{"time":"2019-12-30","value":-1.607467782360719},{"time":"2020-12-30","value":-1.7842839142342417},{"time":"2021-12-30","value":-0.7245911426682872},{"time":"2022-12-30","value":-3.267885765791812}],"Assets":[{"time":"2020-12-30","value":215745000},{"time":"2021-12-30","value":1112486000},{"time":"2022-12-30","value":432764000}],"Stockholders Equity":[{"time":"2019-12-30","value":134967000},{"time":"2020-12-30","value":163337000},{"time":"2021-12-30","value":774642000},{"time":"2022-12-30","value":123172000}],"ROE":[{"time":"2019-12-30","value":-0.6034956693117577},{"time":"2020-12-30","value":-1.0490152261888},{"time":"2021-12-30","value":-0.21934390337730203},{"time":"2022-12-30","value":-6.2401357451368815}],"ROA":[{"time":"2020-12-30","value":-0.3457368652807713},{"time":"2021-12-30","value":-0.17729841094629506},{"time":"2022-12-30","value":-1.7242122727398768}]}

Blend Labs, Inc. engages in the provision of cloud-based software platform solutions for financial services firms in the United States. It operates in two segments, Blend Platform and Title365. The company's Blend Builder Platform offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, personal loans, credit cards, and deposit accounts; and offers mortgage products to facilitate the homeownership journey for consumers comprising close, income verification for mortgage, homeowners' insurance, and realty. It also offers 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; workflow intelligence components to manage data collection and automate tasks throughout the loan origination process; and marketplace components to enable consumers to shop for products and services presented at the precise moment of need during an application for a loan. In addition, the company, through its subsidiary, offers title search procedures for title insurance policies, escrow, and other closing and settlement services, as well as other trustee services; and provides professional and consulting services. It serves banks, credit unions, financial technology companies, and non-bank mortgage lenders. Blend Labs, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

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In the chart Earnings are multiplied by this value.

Earnings Growth -
Earnings Stability -


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201912-202012-202112-2022TTM
Net Margin-160%-180%-72%-330%-140%
ROA--35%-18%-170%-66%
ROE-60%-100%-22%-620%-3.8K%

What is the average Net Margin?

The average Net Margin over the past 5 years is -199.62%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is -254.33%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is -95.08%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is -154.69%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is -322.97%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is -602.08%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201912-202012-202112-2022TTM
Debt FCF-0.00-1.65-1.13-1.41
Debt Equity-0.000.281.7634.81
MIN
Graham Stability-----

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -1.41.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is 0.53.

What is the Graham’s Stability?

Graham’s Stability measure stands at -.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201912-2021Trend
Revenue67%0.3%-45%
Net Income---
Stockholders Equity-3%-84%-53%
FCF---

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is -.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is -44.61%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is -.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is -.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -52.56%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -.