Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 4/5 core metricsLatest reported free cash flow was -$21M.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- Free cash flow was negative
Latest reported free cash flow was -$21M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
- 3 filing risk checks flagged
Flagged areas: Solvency & liquidity, Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +600.0% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Operating margin improved
Operating margin changed +215.5 percentage points from the prior annual period.
Why this surfaced
Direction threshold: more than +1 percentage point constructive; below -1 point caution. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Solvency & liquidity
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Beeline$6.39Mshare n/ano prior
- Beeline Title Holdings$1.38Mshare n/ano prior
- Craft CP$1.14Mshare n/a-55.6% yoy
- Nimble Title Holdings LLC$160Kshare n/ano prior
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Beeline-$9.16M89.2%no prior
- Beeline Title Holdings-$690K6.7%no prior
- Craft CP-$447K4.4%-88.4% yoy
- Nimble Title Holdings LLC$33K-0.3%no prior
Members sum to -$10.3M against -$19.5M consolidated (residual -$9.28M) - eliminations or corporate lines the filer did not tag on this axis.
- Gain On Sale Of Loan$5.38M69.1%+611.2% yoy
- Title Fees$1.38M17.7%+618.2% yoy
- Loan Origination Fees$1.02M13.1%+376.2% yoy
- Other Revenues$14K0.2%+600.0% yoy
Members sum to the consolidated $7.77M for this period.
- Gain On Sale Of Loan$1.84M68.1%+126.7% yoy
- Loan Origination Fees$395K14.6%+163.3% yoy
- Title Fees$380K14.0%+39.2% yoy
- Other Revenues$51K1.9%+1175.0% yoy
- Fractional Equity$37K1.4%no prior
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,121 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $8M | 10thof 3,301 bottom third | 12thof 541 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 600.0% | 98thof 3,135 top third | 98thof 518 top third |
Operating margin operating income ÷ revenue | -251.5% | 11thof 2,819 bottom third | 12thof 234 bottom third |
Net margin net income ÷ revenue | -298.2% | 10thof 3,263 bottom third | 8thof 534 bottom third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | -276.2% | 8thof 2,679 bottom third | 5thof 307 bottom third |
Return on equity net income ÷ stockholders' equity (positive equity only) | -43.2% | 20thof 3,577 bottom third | 6thof 774 bottom third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 37.5% | 11thof 2,895 bottom third | 14thof 422 bottom third |
Days sales outstanding receivables ÷ revenue × 365 · lower is ranked higher | 1 days | 98thof 2,398 top third | 96thof 104 top third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -2.5% | 35thof 3,545 middle third | 67thof 803 top third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 3.3% | 52ndof 3,029 middle third | 61stof 733 middle third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 60 changed periods, 22 largest shown| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2024-06-30 | 1,745 shares 10-Q 2024-08-14 | 174,450 shares 10-Q 2025-08-14 | +9897.1% | first · latest |
| Net income NetIncomeLoss | quarter 2021-03-31 | -$225K 10-Q 2021-05-13 | $3.71M 10-Q 2022-05-16 | +1748.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2021-09-30 | 13,055,000 shares 10-Q 2021-11-15 | 13,055 shares 10-Q 2022-11-14 | -99.9% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2023-06-30 | 856,000 shares 10-Q 2023-08-14 | 856 shares 10-Q 2024-08-14 | -99.9% | first · latest |
| Depreciation and amortization DepreciationDepletionAndAmortization | fiscal year 2023-12-31 | $1.36M 10-K 2024-04-01 | $149K 10-K 2025-04-15 | -89.0% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2024-12-31 | $391K 10-K 2025-04-15 | $80K 10-K 2026-03-31 | -79.5% | first · latest · 5 filings carry it |
| Receivables AccountsReceivableNetCurrent | balance at 2023-12-31 | $559K 10-K 2024-04-01 | $163K 10-K 2025-04-15 | -70.8% | first · latest · 5 filings carry it |
| Revenue Revenues | fiscal year 2024-12-31 | $3.77M 10-K 2025-04-15 | $1.11M 10-K 2026-03-31 | -70.6% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2024-06-30 | -$1.18M 10-Q 2024-08-14 | -$350K 10-Q 2025-08-14 | +70.4% | first · latest |
| Capital expenditure PaymentsToAcquirePropertyPlantAndEquipment | fiscal year 2023-12-31 | $194K 10-K 2024-04-01 | $60K 10-K 2025-04-15 | -69.1% | first · latest |
| Gross profit GrossProfit | quarter 2023-09-30 | $512K 10-Q 2023-11-14 | $168K 10-Q 2024-11-15 | -67.2% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2024-03-31 | $336K 10-Q 2024-05-13 | $147K 10-Q 2025-05-20 | -56.3% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2024-03-31 | -$1.05M 10-Q 2024-05-13 | -$461K 10-Q 2025-05-20 | +56.1% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2023-09-30 | -$662K 10-Q 2023-11-14 | -$307K 10-Q 2024-11-15 | +53.6% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2023-12-31 | -$4.82M 10-K 2024-04-01 | -$2.42M 10-K 2025-04-15 | +49.7% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2024-12-31 | -$9.03M 10-K 2025-04-15 | -$5.18M 10-K 2026-03-31 | +42.6% | first · latest |
| Revenue Revenues | quarter 2025-03-31 | $1.83M 10-Q 2025-05-20 | $1.25M 10-Q 2026-05-15 | -31.9% | first · latest |
| Equity issued ProceedsFromIssuanceOfCommonStock | fiscal year 2021-12-31 | $3.61M 10-K 2022-03-30 | $2.48M 10-K 2023-03-31 | -31.2% | first · latest |
| Gross profit GrossProfit | quarter 2021-03-31 | $749K 10-Q 2021-05-13 | $543K 10-Q 2022-05-16 | -27.5% | first · latest |
| Gross profit GrossProfit | quarter 2021-09-30 | $1.15M 10-Q 2021-11-15 | $860K 10-Q 2022-11-14 | -25.0% | first · latest |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2023-12-31 | $403K 10-K 2024-04-01 | $306K 10-K 2025-04-15 | -24.1% | first · latest · 5 filings carry it |
| Gross profit GrossProfit | fiscal year 2020-12-31 | $4.56M 10-K 2021-03-31 | $3.62M 10-K 2022-03-30 | -20.5% | first · latest |
8 share-count periods re-presented for a stock split (1-for-20, 1-for-10) are listed apart from restatements and not counted above.
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for BLNE yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.