Blend Labs, Inc. BLND R2KR3KTECH
Company Overview
Blend Labs, Inc. provides a cloud-based software platform for financial services firms in the United States, India, and Mexico. The company offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, rapid home lending, personal loans, credit cards, and deposit accounts; and a suite of add-on products that offers to enhance consumers' journeys to homeownership, such as close, income verification for mortgage and home equity lines of credit, and home equity loans. It also provides Blend Builder to configure or build custom workflows from a pre-built set of components; 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; AI capabilities; and workflow intelligence components to manage data collection and automate tasks throughout the loan origination process. In addition, the company offers application programming interfaces, which integrate the capabilities of technology, data, and service providers into software platform, as well as support services, professional and consulting services. It serves banks, credit unions, fintechs, and other non-bank mortgage lenders. The company was incorporated in 2012 and is headquartered in Novato, California.
Why Investors Should Care
Revenue has grown at a 16.0% CAGR over the past five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $123.58M (+6.8% YoY); net profit $-6.80M.
- Trailing 12 Months Year-on-year growth — revenue +14.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 16.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 16.02% |
| 1 Year: | 14.90% |
Stock Price Performance
| 1 Year: | -48.49% |
| 6 Months: | -6.67% |
| 3 Months: | -4.94% |
| 1 Month: | -21.03% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)47.02 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 16.0% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 64.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BLND Blend Labs, Inc. R2KR3KTECH | 1.54 | -22.00 | $367.84M | 0.00% | -16.64% | 0.26% | 16.02% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21.92M | 27.88M | 31.88M | 32.06M | 89.57M | 71.52M | 65.54M | 55.35M | 37.34M | 42.81M | 40.59M | 23.84M | 28.70M | 33.10M | 26.84M | 31.63M | 32.70M | 31.63M | 30.84M | 33.84M |
| Gross Profit | 13.26M | 18.39M | 21.02M | 19.70M | 40.33M | 28.87M | 25.27M | 21.11M | 15.85M | 23.49M | 22.06M | 16.04M | 20.34M | 24.50M | 19.00M | 23.36M | 24.28M | 23.36M | 23.36M | 24.89M |
| Operating Income | -20.81M | -15.35M | -27.21M | -39.63M | -70.54M | -69.75M | -471.42M | -129.86M | -61.44M | -36.72M | -36.20M | -21.22M | -13.07M | -11.28M | -7.98M | -4.83M | -5.35M | -4.83M | -5.06M | -1.58M |
| Net Income | - | -15.21M | -27.07M | 5.77M | -76.92M | -72.10M | -441.37M | -126.13M | -65.42M | -41.23M | -41.76M | -20.67M | -19.41M | -2.44M | -9.52M | -6.85M | 12.10M | -6.85M | -8.05M | -1.48M |
| Diluted EPS | -0.53 | -0.38 | -0.60 | 0.00 | -0.38 | -0.32 | -2.06 | -0.57 | -0.28 | -0.18 | -0.18 | -0.09 | -0.09 | -0.03 | -0.06 | - | 0.02 | - | -0.05 | -0.03 |
| R&D Expense | 14.68M | 13.82M | 17.07M | 20.88M | 25.52M | 35.11M | 35.50M | 34.24M | 26.26M | 22.09M | 18.83M | 14.18M | 12.92M | 10.13M | 7.84M | 7.49M | 8.71M | 7.49M | 9.41M | 8.68M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 50.67M | 96.03M | 234.50M | 235.20M | 109.55M | 115.76M | 123.58M |
| Gross Profit | 31.12M | 61.74M | 115.99M | 89.65M | 76.46M | 83.22M | 91.17M |
| Operating Income | -81.72M | -75.29M | -197.24M | -746.18M | -143.61M | -48.84M | -21.73M |
| Net Income | -81.45M | -74.62M | -169.91M | -720.17M | -178.69M | -43.34M | -6.80M |
| Diluted EPS | -2.49 | -1.89 | -1.30 | -3.28 | -0.76 | -0.24 | -0.10 |
| R&D Expense | 48.60M | 55.50M | 92.22M | 138.09M | 81.26M | 46.09M | 32.84M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 215.75M | 1.11B | 432.76M | 206.06M | 178.09M | 187.47M | 182.19M | 188.61M | 170.04M |
| Total Equity | 71.29M | 134.97M | 163.34M | 774.64M | 123.17M | -19.24M | -56.36M | -17.17M | -23.05M | -13.41M | -30.47M |
| Cash & Equivalents | - | 22.65M | 41.09M | 213.08M | 124.20M | 23.50M | 38.01M | 56.24M | 36.50M | 55.02M | 43.58M |
| Long Term Debt | - | - | 0 | 213.84M | 216.80M | 138.33M | 0 | - | - | 0 | 0 |
| Total Liabilities | - | - | 52.41M | 301.89M | 268.84M | 179.12M | 40.40M | 58.78M | 55.01M | 47.22M | 41.02M |
| Current Liabilities | - | - | 35.03M | 60.03M | 35.47M | 31.57M | 39.02M | 57.59M | 52.35M | 45.64M | 39.45M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -58.94M | -65.01M | -127.50M | -190.42M | -127.62M | -13.04M | 11.51M |
| Investing Cash Flow | -65.51M | -7.92M | -633.91M | 99.43M | 127.31M | 45.40M | 18.54M |
| Financing Cash Flow | 132.67M | 90.76M | 933.57M | 2.22M | -90.96M | -21.06M | -32.59M |
| Capital Expenditure | -580.00K | -1.31M | -1.73M | - | - | - | - |
| Free Cash Flow | -59.52M | -66.33M | -129.24M | - | - | - | - |
| Share Buybacks | - | - | - | - | 0 | 0 | 24.87M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | 61.4% | 64.3% | 49.5% | 38.1% | 69.8% | 71.9% | 73.8% |
| Operating Margin % | -161.3% | -78.4% | -84.1% | -317.3% | -131.1% | -42.2% | -17.6% |
| Net Margin % | -160.7% | -77.7% | -72.5% | -306.2% | -163.1% | -37.4% | -5.5% |
| ROE % | -60.3% | -45.7% | -21.9% | -584.7% | 928.6% | 76.9% | 22.3% |
| ROCE % | - | -41.7% | -18.7% | -187.8% | -82.3% | -35.1% | -16.6% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Haveli Investment Management LLC | 8.01% | 18.69M | $28.41M |
| 2 | Blackrock Inc. | 6.68% | 15.58M | $23.68M |
| 3 | Cypress Point Investment Management LP | 6.13% | 14.30M | $21.73M |
| 4 | Capricorn Fund Managers Ltd | 4.85% | 11.31M | $17.20M |
| 5 | Vanguard Capital Management LLC | 3.64% | 8.49M | $12.90M |
| 6 | Whitebark Investors LP | 2.72% | 6.34M | $9.64M |
| 7 | Vanguard Portfolio Management LLC | 2.66% | 6.22M | $9.45M |
| 8 | State Street Corporation | 2.65% | 6.17M | $9.39M |
| 9 | Geode Capital Management, LLC | 2.18% | 5.08M | $7.72M |
| 10 | Citadel Advisors Llc | 2.17% | 5.06M | $7.70M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BLND
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BLND — Frequently Asked Questions
What is the current share price of Blend Labs, Inc. (BLND)?
As of 2026-09-07 16:24 PDT, Blend Labs, Inc. (BLND) trades at $1.54 on NYSE. Its 52-week range is $1.38 to $4.37.
What is the market capitalisation of BLND?
Blend Labs, Inc. (BLND) has a market capitalisation of $367.84M on NYSE.
What is the P/E ratio of BLND?
BLND trades at a trailing price-to-earnings (P/E) ratio of -22.00. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is -13.70.
What is the return on equity (ROE) of BLND?
BLND has a return on equity (ROE) of 0.26%. Its return on capital employed (ROCE) is -16.64%.
Is BLND a good stock to buy?
This page provides a data-driven analysis of Blend Labs, Inc. (BLND), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.