Beeline Holdings, Inc. (BLNE)

Nasdaq: BLNE · Mortgage Bankers & Loan Correspondents · Providence, RI · filing with the SEC since 2011

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Grade2.6

◀ Past 1.6● Present 2.2▶ Future 4.8

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Beeline Holdings, Inc.

Nine metrics read from its own filings, by tense

Headline grade

2.6/10

◀ Past1.640% of the headline

● Present2.235% of the headline

▶ Future4.825% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.6/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

1.8/10

Has it survived what it has been through?

29 warning events since 2017; the latest 2026-11-12.

weight 45% of this tense · 18th percentile among 20 sector filers · read for itself

From the record

Beeline Holdings, Inc.'s filings since 2017 show 29 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 24 times, the latest 2026-11-12); an auditor change (8-K item 4.01, 2 times, the latest 2024-12-05); a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2025-05-16) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

2.3/10

What has it actually done, year after year?

+12.8% a year over 10 filed years; profitable in 0 of 10.

weight 22% of this tense · 23rd percentile among 19 sector filers · read for its customers

From the record

Beeline Holdings, Inc.'s 10 filed years say what it did: revenue went from $2 million in fiscal 2015 to $8 million in fiscal 2025, up 12.8% a year; it rose in 5 of 9 years; the deepest fall was 92% from fiscal 2020 to fiscal 2024; net income was positive in 0 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span12.8%bottom 39% of its family
the share of years revenue rosebottom 26% of its family
the share of filed years with a profitbottom 8% of its family
the deepest fall from a revenue peak92.1%bottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

0.8/10

How has it treated the people who own it?

SI estimate 0.8/10, confidence 35 of 100 (one part).

weight 33% of this tense · 8th percentile among 19 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 8% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 19 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Beeline Holdings, Inc.'s shareholder treatment is put at 0.8 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 8% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

2.2/1035% of the headline grade · 3 of 3 filed

Financial health

as filed

3.8/10

Is it financially healthy right now?

ROE -43%: lost 43¢ per shareholder dollar. Leverage 24%: owes 24¢ per asset dollar.

weight 45% of this tense · 38th percentile among 19 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Beeline Holdings, Inc. lost about 43 cents for every dollar of shareholders' money. Leverage: it owed about 24 cents per dollar of assets, and net share issuance: its share count grew 5643.7% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 8% of its family
return on equitybottom 18% of its family
the share count against the year beforebottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

0.5/10

How strong is its position in its industry?

bottom 4% of 19 in its family; net margin -298.2%.

weight 33% of this tense · 4th percentile among 19 sector filers · read for its customers

From the record

Beeline Holdings, Inc.'s standing among 19 graded names in its industry family: revenue of $8 million in fiscal 2025 ranks in the bottom 3% by size; a net margin of -298.2% ranks in the bottom 8%; revenue growth of -11% a year over the last 3 filed years ranks in the bottom 3% (its annual reports).

What it rests on

revenue against the family$7.8Mbottom 3% of its family
net margin-298.2%bottom 8% of its family
three-year revenue growth-11.0%bottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed

1.6/10

What are the people in charge doing?

bottom 16% of 14 in its family for leadership; chief executive since 2024.

weight 22% of this tense · 16th percentile among 14 sector filers · read for its shareholders

From the record

Beeline Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Liuzza, Nicholas Reyland Jr (Chief Executive Officer, as filed), filing under that title since 2024-10-09, 2.1 years (bottom 32% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 2.1 years (bottom 4%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 8 people in charge now (bottom 13%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

officer and director changes on Form 8-K, against the people in charge9 in three years among 8 peoplebottom 13% of its family
the median years the people in charge have filed2.1 yearsbottom 4% of its family
the chief executive's years on the record2.1 yearsbottom 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.8/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

3.7/10

How much room does it have to grow?

bottom 37% of 19 in its family for room to expand.

weight 33% of this tense · 37th percentile among 19 sector filers · read for itself

From the record

Beeline Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $3 million against no long-term debt tagged leaves 4.4% of its assets as net cash, top 34% of its family; cash from operations less capital spending is -284.9% of revenue (bottom 8%) (its annual report).

What it rests on

cash less debt against assets4.4%top 34% of its family
cash from operations less capital spending against revenue-284.9%bottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.0/10

What could actually drive growth from here?

bottom 40% of 19 in its family for growth drivers.

weight 33% of this tense · 40th percentile among 19 sector filers · read for its customers

From the record

Beeline Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -11% a year over the last three filed years against 12.8% over all 10, slowing (bottom 13% of its family); the newest year grew 600.9% (top 3%); capital spending grew -51.2% a year (bottom 11%) (its annual reports). Beeline Holdings, Inc. reported 3 lines of business in fiscal 2025: Beeline at $6 million (83%), Craft CP at $1 million (15%), Nimble Title Holdings LLC at $160 thousand (2%); 0 of 1 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-23.8 points a yearbottom 13% of its family
the newest year's revenue growth600.9%top 3% of its family
three-year growth of capital spending-51.2%bottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

6.8/10

Did its newest year beat what its own record pointed to?

top 32% of 17 in its family for expectations against reality.

weight 33% of this tense · 68th percentile among 17 sector filers · read for its shareholders

From the record

Beeline Holdings, Inc.'s newest year against its own record: revenue of $8 million in fiscal 2025 came in 1464.3% above the $497 thousand its prior three years' pace pointed to (top 3% of its family); net income of $23 million against a prior three-year average of $7 million (bottom 26%); a net margin of a loss larger than its revenue against losses larger than its revenue before (top 21%) (its annual reports).

What it rests on

revenue against the prior three years' pace1464.3%top 3% of its family
net income against the prior three years' average-230%bottom 26% of its family
net margin against its prior averageup more than 100 pointstop 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BLNE · research, not advice