Blend Labs, Inc. logo BLND - Blend Labs, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 7
HOLD 5
SELL 0
STRONG
SELL
0
| PRICE TARGET: $3.33 DETAILS
HIGH: $4.50
LOW: $2.00
MEDIAN: $3.50
CONSENSUS: $3.33
UPSIDE: 126.53%
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Revenue
Revenue 30.8 32.4 32.9 31.5 26.8 41.4 45.2 28.7 23.8 36.1 40.6 42.8 37.3 42.8 55.4 65.5 71.5 81.0 89.6 32.1 31.9 30.6 27.9 21.9 15.6
Cost of Revenue 7.5 8.0 8.4 8.2 7.8 16.7 19.2 8.4 7.8 16.4 18.5 19.3 21.5 28.4 34.2 40.3 42.7 46.0 49.2 12.4 10.9 8.8 9.5 8.7 7.4
Gross Profit 23.4 24.4 24.5 23.3 19.0 24.7 26.0 20.3 16.0 19.7 22.1 23.5 15.9 14.4 21.1 25.3 28.9 34.9 40.3 19.7 21.0 21.8 18.4 13.3 8.2
Operating Expenses
R&D Expenses 9.4 9.5 8.5 7.3 7.5 8.9 10.1 12.9 14.2 14.4 18.8 22.1 26.3 33.2 34.2 35.5 35.1 28.7 25.5 20.9 17.1 15.2 13.8 14.7 11.8
SG&A Expenses 18.4 19.5 20.8 20.6 18.4 17.5 23.0 20.4 22.1 26.5 30.3 35.8 38.2 53.4 52.7 58.9 59.4 62.3 81.0 38.5 31.1 22.7 19.9 19.4 19.5
Other Expenses 0 0 0.1 0.0 0.7 0.1 6.2 0.1 1.0 0.7 9.1 2.3 12.8 3.0 64.1 402.3 4.1 3.8 4.4 0 0 0.1 0 0 0
Operating Expenses 27.8 28.9 29.4 27.9 26.7 26.5 39.3 33.4 37.3 41.6 58.3 60.2 77.3 89.6 151.0 496.7 98.6 94.8 110.9 59.3 48.2 37.9 33.7 34.1 31.3
Operating Income
Operating Income (4.4) (4.5) (4.9) (4.6) (7.7) (1.8) (13.3) (13.1) (21.2) (21.9) (36.2) (36.7) (61.4) (75.2) (129.9) (471.4) (69.7) (59.9) (70.5) (39.6) (27.2) (16.1) (15.3) (20.8) (23.1)
Interest Expense 0 0 0 0 0 0 0 1.6 5.1 7.1 8.2 7.9 7.6 7.3 6.2 5.7 5.6 5.7 5.6 0 0 0 0 0 0
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA (2.5) (1.7) 12.5 (2.8) (6.1) 0 (0.6) (16.5) (14.5) (21.9) (32.1) (32.1) (57.1) (72.0) (124.6) (465.9) (64.3) (55.0) (64.2) (38.1) (25.6) (14.1) (13.9) (18.4) (21.9)
EBIT (4.4) (3.1) 12.4 (3.6) (6.6) (0.7) (2.6) (17.5) (15.6) (23.4) (33.6) (33.5) (58.6) (73.6) (126.6) (471.4) (69.7) (59.8) (70.4) (39.5) (27.1) (15.5) (15.2) (20.8) (23.1)
Income Before Tax (5.4) (3.1) 12.4 (3.6) (6.6) (0.7) (2.6) (19.2) (20.7) (30.4) (41.8) (41.4) (66.1) (81.0) (132.7) (477.1) (75.2) (65.4) (76.0) (39.5) (27.1) (16.0) (15.2) (20.6) (22.8)
Income Tax Expense 0.1 0.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (0.1) 0.0 0.1 0.1 0.5 0.0 0.1 (2.8) 6.1 0.3 (45.3) 0.0 0.0 0.0 0.0 0.0
Net Income (8.0) (3.5) 12.5 (6.6) (10.5) (2.3) (4.2) (20.9) (22.1) (31.8) (43.2) (42.8) (67.5) (34.3) (134.0) (478.4) (73.5) (71.7) (76.9) 5.8 (27.1) (16.0) (15.2) (20.6) (22.9)
Per Share Data
EPS (Basic) -0.05 -0.03 0.03 -0.04 -0.06 -0.03 -0.03 -0.09 -0.09 -0.13 -0.18 -0.18 -0.27 -0.34 -0.57 -2.05 -0.31 -0.32 -0.38 0.03 -0.12 -0.07 -0.07 -0.09 -0.10
EPS (Diluted) -0.05 -0.03 0.03 -0.04 -0.06 -0.03 -0.03 -0.09 -0.09 -0.13 -0.18 -0.18 -0.27 -0.34 -0.57 -2.05 -0.31 -0.32 -0.38 0.03 -0.12 -0.07 -0.07 -0.09 -0.10
Shares Outstanding 255.6 258.1 259.6 259.2 258.8 256.7 254.9 253.1 250.9 248.6 246.4 244.3 241.4 238.4 235.3 232.5 230.3 227.9 200.2 219.6 219.6 219.6 219.6 219.6 219.6
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q1
Current Assets
Cash & Cash Equivalents 39.4 43.6 55.0 36.5 56.2 42.2 55.0 45.5 84.5 31.0 84.6 35.0 46.2 124.2 114.4 132.7 167.7 213.1 276.1 369.7 352.3 41.1 (127.3)
Short-Term Investments 21.6 24.7 22.2 51.8 48.6 56.2 61.7 67.2 43.5 106.0 160.4 230.6 260.7 229.9 286.4 317.8 331.7 334.1 317.5 84.0 100.8 110.6 254.5
Net Receivables 21.2 14.1 15.3 16.3 13.5 19.9 19.1 20.7 20.4 19.9 20.0 21.7 20.7 24.0 28.2 31.8 36.2 39.4 35.7 41.7 20.6 24.2 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 1.0 8.6 15.8 16.0 16.3 7.9 2.7 2.3 3.3 2.9 4.4 11.3 14.1 6.7 8.0 11.2 8.5 7.8 8.4 4.3 4.7 6.1 0
Total Current Assets 91.4 97.9 116.0 126.8 139.9 135.2 146.4 142.5 159.5 169.8 283.2 309.4 350.2 396.1 453.8 503.3 560.8 613.0 661.7 517.4 486.3 186.1 127.3
Non-Current Assets
Property, Plant & Equipment 23.9 24.4 24.6 23.0 17.3 13.8 11.4 15.1 14.3 12.5 13.9 15.2 16.5 17.4 19.0 19.6 20.1 20.9 22.3 23.7 16.6 17.3 0
Goodwill 0 0 0 0 0.1 0 0 0 0 0 0 0 0 0 0 47.1 287.2 287.2 287.0 284.8 0 0 0
Intangible Assets 0 0 0.1 0.1 0 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 2.1 13.1 168.9 173.0 189.8 194.2 0.7 1.2 0
Long-Term Investments 39.7 40.1 30.4 13.8 9.8 9.8 0 0 0 5.4 0 12.3 5.4 5.4 0 5.4 0 0 0 0 0 0 0
Other Non-Current Assets 6.3 7.7 18.6 19.4 21.2 17.2 26.2 25.7 25.8 16.2 19.2 23.8 16.7 6.1 17.8 16.1 17.3 18.4 17.4 23.5 16.1 11.1 (127.3)
Total Non-Current Assets 69.9 72.2 73.6 56.2 48.3 42.8 39.7 42.9 42.2 36.2 35.2 41.1 35.3 36.7 39.0 96.0 493.6 499.5 516.5 526.1 33.5 29.6 (127.3)
Total Assets 161.3 170.0 189.6 183.1 188.3 178.0 186.1 185.4 201.8 206.1 318.4 350.5 385.4 432.8 492.8 599.3 1,054.4 1,112.5 1,178.2 1,043.5 519.8 215.7 0
Current Liabilities
Account Payables 0.3 1.8 0.8 1.2 2.7 2.4 1.9 1.1 1.9 2.2 2.1 3.1 1.9 1.3 2.5 3.3 2.1 6.2 6.8 6.3 3.9 3.4 0
Short-Term Debt 0.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 34.0 19.4 0 0 33.3 19.2 19.9 20.8 21.5 9.0 10.1 12.0 13.0 8.7 10.0 12.0 14.2 8.1 10.0 11.5 14.4 13.6 0
Other Current Liabilities 12.9 9.6 31.6 38.7 11.1 4.1 7.1 3.2 5.2 5.6 11.3 10.8 9.8 11.4 15.3 18.8 14.4 18.1 15.6 24.1 7.3 6.3 0
Total Current Liabilities 51.5 39.5 45.7 52.7 58.1 38.9 45.2 41.5 42.6 31.6 36.8 34.9 39.9 35.5 44.1 48.0 54.0 60.0 63.6 256.8 39.2 35.0 0
Non-Current Liabilities
Long-Term Debt 164.2 0 0 0 0 0 0 0 138.9 138.3 219.0 218.2 217.5 216.8 216.0 215.2 214.5 213.8 213.2 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 5.7 0 0 0 2.9 0.6 0.6 0 0 0
Other Non-Current Liabilities 0.4 159.8 0.3 1.2 147.1 142.2 1.3 1.6 2.1 2.2 3.4 3.5 4.4 5.5 5.6 6.0 8.1 10.6 12.0 238.8 4.8 3.4 0
Total Non-Current Liabilities 165.7 161.1 1.6 2.7 147.1 143.0 2.2 6.7 147.3 147.5 230.5 231.0 232.1 233.4 233.6 233.9 236.3 241.9 239.4 254.0 18.1 17.4 0
Total Liabilities 217.2 200.5 47.3 55.4 205.2 182.0 47.5 48.3 189.9 179.1 267.3 265.9 272.1 268.8 277.7 281.9 290.4 301.9 303.0 510.8 57.3 52.4 0
Stockholders' Equity
Common Stock 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0
Retained Earnings (1,399.8) (1,391.8) (1,388.3) (1,400.8) (1,394.2) (1,385.0) (1,384.2) (1,381.7) (1,362.3) (1,341.6) (1,311.3) (1,269.6) (1,228.4) (1,162.9) (1,082.4) (956.2) (514.9) (442.8) (371.1) (294.2) (299.9) (272.9) 0
Accumulated Other Comprehensive Income 0.7 0.6 0.6 0.5 0.6 0.6 0.8 0.3 0.3 0.4 (0.4) (0.7) 0.1 (0.7) (2.2) (3.0) (2.6) (0.8) (0.1) 0.0 0.0 (0.0) (171.9)
Total Stockholders' Equity (55.9) (30.5) 142.3 127.7 (16.9) (56.4) 87.9 88.0 (35.8) (19.2) 6.3 41.3 71.3 123.2 175.6 279.2 727.0 774.6 828.8 486.5 462.5 163.3 135.0
Total Liabilities & Equity 161.3 170.0 189.6 183.1 188.3 178.0 186.1 185.4 201.8 206.1 318.4 350.5 385.4 432.8 492.8 599.3 1,054.4 1,112.5 1,178.2 1,043.5 519.8 215.7 135.0
Debt Metrics
Total Debt 165.6 1.5 1.6 2.4 1.7 3.8 5.3 9.9 149.8 149.7 231.4 231.7 231.9 232.0 232.7 232.2 232.3 232.3 230.9 18.7 15.9 16.6 0
Net Debt 126.2 (42.1) (53.4) (34.1) (54.5) (38.4) (49.8) (35.6) 65.3 118.7 146.9 196.7 185.7 107.8 118.3 99.5 64.7 19.2 (45.2) (351.1) (336.4) (24.5) 127.3
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Operating Activities
Net Income (10.2) (7.3) 12.5 (3.6) (6.6) (6.5) (8.3) (23.4) (20.7) (31.8) (43.2) (41.5) (66.2) (81.4) (132.7) (477.2) (72.4) (71.5) (76.3) 5.8 (27.1) (16.0) (15.2) (20.6) (22.9)
Depreciation & Amortization 1.9 1.4 1.6 0.8 0.5 1.0 1.6 1.3 1.1 1.5 1.4 1.4 1.4 1.6 2.0 5.5 5.4 4.8 6.2 1.4 1.4 (0.9) 1.3 2.4 1.2
Stock-Based Compensation 0 7.5 7.8 7.6 6.0 0 0 0 8.0 0 0 14.4 16.4 28.2 28.0 29.2 24.3 16.8 43.4 6.6 4.0 2.4 1.1 3.4 3.2
Change in Working Capital 4.4 (4.6) (7.9) (10.2) 20.0 (10.6) 3.0 1.8 12.4 (2.7) 5.3 (8.2) 1.3 2.2 (5.0) 1.6 (3.3) (3.9) (7.0) (1.6) (0.6) (0.3) (2.6) (3.2) (5.1)
Other Non-Cash Items 11.2 4.0 (17.5) (0.8) 0.5 11.5 5.7 13.6 (4.7) 12.3 10.6 (0.5) 0.4 2.1 57.4 394.1 0.1 3.5 2.4 (44.9) 1.8 3.9 1.0 0.3 1.4
Operating Cash Flow 7.4 1.0 (3.5) (6.4) 20.4 (4.6) 2.1 (6.7) (3.9) (20.7) (25.9) (34.4) (46.7) (47.3) (50.5) (46.8) (45.8) (43.1) (31.3) (32.7) (20.4) (11.0) (14.3) (17.6) (22.1)
Investing Activities
Capital Expenditure (1.1) (1.0) (2.3) (3.7) (4.6) (2.6) (3.4) (1.9) (2.0) (0.1) (0.0) (0.2) (0.3) (0.5) (0.4) (0.9) (0.3) (0.8) (0.6) (0.2) (0.3) (0.6) (0.2) (0.4) (0.1)
Acquisitions 0 0 0 0 0 0 9.1 0 0 0 0 0 0 0 0 0 0 0 (416.8) 0 0 0 0 0 0
Purchases of Investments (5.0) (5.0) 0 (15.9) (11.9) (10.6) (19.9) (28.2) (48.3) (32.8) (8.3) (8.8) (186.2) (49.3) (46.5) (19.3) (30.4) (34.8) (267.5) (23.5) (28.4) (89.1) (18.6) (38.5) (27.7)
Sales/Maturities of Investments 8 2.5 0 8.8 19.8 11.3 26.3 5 110.9 88.6 80.1 40.1 157.6 107.2 78.1 31.7 30.0 16.4 33.9 40.0 34.9 36.0 43.2 22.9 65.3
Other Investing Activities 1.0 2.8 29.7 (0.0) (0.1) 0 (0.3) (0.0) 0 (2.5) 0 0 0 0 0 0 0 (0.2) (3) 16.8 0 0 0 (0.0) 0
Investing Cash Flow 2.9 (1.3) 27.4 (10.8) 3.2 (1.9) 11.7 (25.1) 60.6 53.2 71.8 31.2 (28.9) 57.4 31.2 11.5 (0.7) (19.2) (654.0) 33.1 6.1 (53.7) 24.4 (16.1) 37.4
Financing Activities
Net Debt Issuance 0 0 0 0 0 149.4 0 (144.5) 0 (85.1) 0 0 0 0 0 0 0 (0.0) 218.8 0 0 0 0 0 0
Stock Repurchased (16.8) (15.7) (5.0) (1.6) (2.6) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities (1.1) (2.0) (1.9) (2.1) (2.6) (7.1) (4.0) (3.2) (3.2) (1.3) (1.3) (1.1) (2.4) 0.0 0.9 0.2 1.1 1.1 373.1 17.1 15.8 11.1 0.4 0.9 2.0
Financing Cash Flow (17.9) (17.6) (6.2) (3.7) (5.2) (6.3) (4.2) (7.3) (3.2) (86.1) (1.3) (1.1) (2.4) 0.0 0.9 0.2 1.1 (0.9) 591.9 17.1 325.5 11.1 76.7 0.9 2.0
Cash Position
Net Change in Cash (4.2) (16.5) 17.7 (20.9) 18.4 (7.8) 9.6 (39.1) 53.6 (53.6) 49.6 (4.3) (78.0) 9.8 (18.3) (35.0) (45.4) (63.2) (93.4) 17.6 311.2 (53.5) 86.7 (32.8) 17.4
Cash at Beginning 43.6 60.0 47.1 68.0 49.5 55.0 45.5 84.5 38.3 84.6 35.0 51.6 129.6 119.7 138.0 173.0 218.4 281.7 375.1 357.5 46.3 99.8 13.1 45.8 28.5
Cash at End 39.4 43.6 64.8 47.1 68.0 47.3 55.0 45.5 91.8 31.0 84.6 47.3 51.6 129.6 119.7 138.0 173.0 218.4 281.7 375.1 357.5 46.3 99.8 13.1 45.8
Free Cash Flow 6.2 (0.0) (5.8) (10.1) 15.8 (7.2) (1.4) (8.5) (5.8) (20.8) (25.9) (34.6) (47.0) (47.8) (50.9) (47.7) (46.1) (43.9) (31.8) (32.9) (20.7) (11.5) (14.5) (18.1) (22.2)
Key Metrics 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1
Income Statement
Revenue 30.8 32.4 32.9 31.5 26.8 41.4 45.2 28.7 23.8 36.1 40.6 42.8 37.3 42.8 55.4 65.5 71.5 81.0 89.6 32.1 31.9 30.6 27.9 21.9 15.6
Gross Profit 23.4 24.4 24.5 23.3 19.0 24.7 26.0 20.3 16.0 19.7 22.1 23.5 15.9 14.4 21.1 25.3 28.9 34.9 40.3 19.7 21.0 21.8 18.4 13.3 8.2
Operating Income (4.4) (4.5) (4.9) (4.6) (7.7) (1.8) (13.3) (13.1) (21.2) (21.9) (36.2) (36.7) (61.4) (75.2) (129.9) (471.4) (69.7) (59.9) (70.5) (39.6) (27.2) (16.1) (15.3) (20.8) (23.1)
Net Income (8.0) (3.5) 12.5 (6.6) (10.5) (2.3) (4.2) (20.9) (22.1) (31.8) (43.2) (42.8) (67.5) (34.3) (134.0) (478.4) (73.5) (71.7) (76.9) 5.8 (27.1) (16.0) (15.2) (20.6) (22.9)
EPS (Diluted) -0.05 -0.03 0.03 -0.04 -0.06 -0.03 -0.03 -0.09 -0.09 -0.13 -0.18 -0.18 -0.27 -0.34 -0.57 -2.05 -0.31 -0.32 -0.38 0.03 -0.12 -0.07 -0.07 -0.09 -0.10
Balance Sheet
Cash & Equivalents 39.4 43.6 55.0 36.5 56.2 42.2 55.0 45.5 84.5 31.0 84.6 35.0 46.2 124.2 114.4 132.7 167.7 213.1 276.1 369.7 352.3 41.1 (127.3)
Total Assets 161.3 170.0 189.6 183.1 188.3 178.0 186.1 185.4 201.8 206.1 318.4 350.5 385.4 432.8 492.8 599.3 1,054.4 1,112.5 1,178.2 1,043.5 519.8 215.7 0
Total Debt 165.6 1.5 1.6 2.4 1.7 3.8 5.3 9.9 149.8 149.7 231.4 231.7 231.9 232.0 232.7 232.2 232.3 232.3 230.9 18.7 15.9 16.6 0
Stockholders' Equity (55.9) (30.5) 142.3 127.7 (16.9) (56.4) 87.9 88.0 (35.8) (19.2) 6.3 41.3 71.3 123.2 175.6 279.2 727.0 774.6 828.8 486.5 462.5 163.3 135.0
Cash Flow
Operating Cash Flow 7.4 1.0 (3.5) (6.4) 20.4 (4.6) 2.1 (6.7) (3.9) (20.7) (25.9) (34.4) (46.7) (47.3) (50.5) (46.8) (45.8) (43.1) (31.3) (32.7) (20.4) (11.0) (14.3) (17.6) (22.1)
Capital Expenditure (1.1) (1.0) (2.3) (3.7) (4.6) (2.6) (3.4) (1.9) (2.0) (0.1) (0.0) (0.2) (0.3) (0.5) (0.4) (0.9) (0.3) (0.8) (0.6) (0.2) (0.3) (0.6) (0.2) (0.4) (0.1)
Free Cash Flow 6.2 (0.0) (5.8) (10.1) 15.8 (7.2) (1.4) (8.5) (5.8) (20.8) (25.9) (34.6) (47.0) (47.8) (50.9) (47.7) (46.1) (43.9) (31.8) (32.9) (20.7) (11.5) (14.5) (18.1) (22.2)