Blend Labs (BLND)
NYSE Market Closed
Blend Labs, Inc. provides cloud-based software that helps banks, credit unions, mortgage lenders, and other financial services firms move consumer applications into a digital workflow. Its platform is designed to connect the customer-facing experience with the operational systems lenders use to process, verify, approve, and close financial products.
The company is best known for its mortgage origination technology, but its software also supports products such as home equity loans, personal loans, credit cards, and deposit accounts. Blend’s tools can handle tasks including data collection, document upload, identity and income verification, workflow automation, and integrations with core banking or loan origination systems. This allows financial institutions to offer branded digital applications while reducing manual work for internal teams.
Blend generates most of its revenue from the Blend Platform, which covers the products that support the origination process from initial consumer interaction through back-office processing. Its customers operate in markets where speed, compliance, and user experience are important competitive factors, particularly in mortgage lending, where application volumes can be sensitive to interest rates and housing activity.
Headquartered in the United States, Blend also has operations and assets in India and Mexico. The company’s position reflects a broader shift in financial services toward cloud software, embedded automation, and self-service digital channels for consumers.
Last updated
- Market Cap
- 384.97M
- P/E
- —
- P/FCF
- —
- P/S
- 3.02
- Enterprise Value
- 347.54M
- Sector
- —
- Industry
- —
- Address
- 7250 REDWOOD BLVD., SUITE 300, NOVATO, CA, 94945
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 384.97M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 347.54M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- —
- P/B
P/B ratio compares a company's share price to its book value per share.
- -6.89
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 3.02
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -28.29
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 2.72
- EPS
- -0.1
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- -9.65M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 42.89%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- -14.87%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 1.81
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 1.81
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.73
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 4.06M
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 1.59
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 30.84M | 32.43M | 32.86M | 31.52M | 26.85M |
| Gross profit | 23.37M | 24.45M | 24.46M | 23.31M | 19M |
| Operating income | -5.06M | -4.51M | -4.91M | -4.62M | -7.98M |
| EBITDA | -2.59M | -1.65M | -4.52M | -3.53M | -6.54M |
| Net income | -12.78M | -8.15M | 7.97M | -11.02M | -14.97M |
| Basic EPS | -0.05 | -0.03 | 0.03 | -0.04 | -0.06 |
| Diluted EPS | -0.05 | -0.03 | 0.02 | -0.04 | -0.06 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 161.26M | 170.05M | 189.57M | 183.07M | 188.27M |
| Total liabilities | 52.95M | 41.02M | 47.25M | 55.4M | 59.29M |
| Total equity | -55.91M | -30.47M | -12.49M | -22.57M | -16.89M |
| Cash & equivalents | 37.43M | 45.06M | 55.02M | 36.5M | 56.24M |
| Current assets | 93.1M | 99.8M | 115.99M | 126.83M | 139.94M |
| Current liabilities | 51.45M | 37.33M | 40.09M | 47.81M | 52.2M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 7.35M | 980K | -3.49M | -6.37M | 20.12M |
| Investing cash flow | 2.89M | -1.25M | 27.39M | -10.83M | 3.5M |
| Financing cash flow | -17.87M | -17.56M | -6.2M | -3.65M | -5.18M |
| Change in cash | -7.63M | -17.84M | 17.7M | -20.85M | 18.44M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| edgar index | 144 — Blend Labs, Inc. | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| edgar index | 4 — Blend Labs, Inc. | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — SHETH BRIAN NIRANJAN | View Filing | |
| form 4 | Form 4 — Haveli Investments, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Software Management LLC | View Filing | |
| form 4 | Form 4 — Haveli Brooks Aggregator, L.P. | View Filing | |
| form 4 | Form 4 — Haveli Investment Management LLC | View Filing | |
| form 4 | Form 4 — Whanau Interests LLC | View Filing | |
| form 4 | Form 4 — Haveli Investments Software Fund I GP, LLC | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ghamsari Nima | View Filing | |
| form 4 | Form 4 — Ling Winnie | View Filing | |
| form 4 | Form 4 — Ling Winnie | View Filing | |
| form 4 | Form 4 — Ling Winnie | View Filing | |
| form 4 | Form 4 — Ling Winnie | View Filing | |
| form 4 | Form 4 — Ling Winnie | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| form 4 | Form 4 — Tkach Oxana | View Filing | |
| form 4 | Form 4 — Venkatramani Srinivasan | View Filing | |
| form 4 | Form 4 — Venkatramani Srinivasan | View Filing | |
| form 4 | Form 4 — Venkatramani Srinivasan | View Filing | |
| form 4 | Form 4 — Thomson Matthew Christopher | View Filing | |
| form 4 | Form 4 — Thomson Matthew Christopher | View Filing | |
| form 4 | Form 4 — Thomson Matthew Christopher | View Filing |