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Blend to Announce Fourth Quarter and Full Year 2023 Financial Results on March 14, 2024
SAN FRANCISCO--(BUSINESS WIRE)--Blend Labs, Inc. (NYSE: BLND), a leader in cloud banking software, today announced that the Company will host a conference call on Thursday, March 14, 2024, at 4:30 pm ET to discuss its fourth quarter and full year 2023 financial results. A press release, with accompanying financial information, will be posted prior to the discussion on the Company's investor website at https://investor.blend.com. A link to the live discussion will be made available on the Compan.
Blend Labs: Good Trends, But The Growth Has To Keep Going
Blend Labs, a software provider for the banking industry, has seen its shares double and is worth a second look. While historically reliant on providing software solutions to ease mortgage lending, Blend Labs has been hurt by weakness in housing and is diversifying its software offerings for banks. However, in spite of reductions in revenue due to the slow mortgage market, gross margins have shown resilience, and the growth profile looks promising.
2 Mortgage Lending Disruptors
Rocket Companies and Blend Labs have the potential to disrupt a market that has long been in need of disruption - mortgage lending. Their unique offerings are gaining traction, as evidenced by their strong fundamentals and EPS surprise history.
A Pullback, then an Explosion
Fast 25% trading gains
Blend Labs, Inc. (BLND) Q3 2023 Earnings Call Transcript
Blend Labs, Inc. (NYSE:BLND ) Q3 2023 Earnings Conference Call November 7, 2023 4:30 PM ET Company Participants Winnie Ling - Head, Legal Nima Ghamsari - Co-Founder, & Head, Blend Amir Jafari - Head, Finance & Administration Bryan Michaleski - Investor Relations Conference Call Participants David Unger - Wells Fargo Dylan Becker - William Blair Nikhil Vijay - KBW Winnie Ling Good afternoon, and welcome to Blend's Third Quarter 2023 Earnings Conference Call. My name is Winnie Ling, and I'm Head of Legal for the company.
Blend Labs, Inc. (BLND) Q2 2023 Earnings Call Transcript
Blend Labs, Inc. (NYSE:BLND ) Q2 2023 Earnings Conference Call August 9, 2023 4:30 PM ET Company Participants Winnie Ling - Head, Legal Nima Ghamsari - Co-Founder, Chairman, CEO & Head, Blend Bryan Michaleski - IR Amir Jafari - Head, Finance & Administration, Principal Financial Officer & Principal Accounting Officer Conference Call Participants Michael Ng - Goldman Sachs Group Matthew Stotler - William Blair & Company Joseph Meares - Truist Securities David Unger - Wells Fargo Securities Ryan Tomasello - KBW Winnie Ling Good afternoon, and welcome to Blend's Second Quarter 2023 Earnings Conference Call. My name is Winnie Ling, and I'm Head of Legal for the company.
Blend Labs (BLND) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
While the top- and bottom-line numbers for Blend Labs (BLND) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Blend Labs Faces Industry Headwinds With Higher For Longer Rates?
Blend Labs, Inc. provides software solutions for financial institutions seeking to improve their digital offerings. The firm's revenue is declining, and it is continuing to generate substantial operating losses. Given the potential for continued high interest rates and pressure on the mortgage and banking markets, I'm Neutral [Hold] on Blend Labs stock for now.
Blend Labs (BLND) Reports Q1 Loss, Tops Revenue Estimates
Blend Labs (BLND) came out with a quarterly loss of $0.15 per share versus the Zacks Consensus Estimate of a loss of $0.18. This compares to loss of $0.19 per share a year ago.
How Higher Mortgage Rates Could Supercharge This Home Retailer's Growth
Higher mortgage rates are crippling housing affordability. Millennials are entering their prime homeownership years.
BLND Financial details
BLND Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 0.23 | 0.44 | 1.78 | 1 | 0.64 | |
Net income per share | -0.37 | -0.34 | -1.28 | -3.26 | -0.76 | |
Operating cash flow per share | -0.27 | -0.3 | -0.97 | -0.81 | -0.52 | |
Free cash flow per share | -0.27 | -0.3 | -0.98 | -0.82 | -0.52 | |
Cash per share | 0.58 | 0.69 | 4.15 | 1.51 | 0.56 | |
Book value per share | 0.61 | 0.74 | 5.87 | 0.53 | -0.08 | |
Tangible book value per share | 0.6 | 0.74 | 2.65 | 0.69 | 0.1 | |
Share holders equity per share | 0.61 | 0.74 | 5.87 | 0.53 | -0.08 | |
Interest debt per share | 0.03 | 0.08 | 1.85 | 1.1 | 0.71 | |
Market cap | 4.59B | 4.59B | 968.77M | 337.19M | 625.28M | |
Enterprise value | 4.57B | 4.57B | 984.14M | 444.97M | 744.01M | |
P/E ratio | -56.35 | -61.51 | -5.73 | -0.44 | -3.37 | |
Price to sales ratio | 90.57 | 47.79 | 4.13 | 1.43 | 3.99 | |
POCF ratio | -77.87 | -70.59 | -7.6 | -1.77 | -4.9 | |
PFCF ratio | -77.06 | -69.19 | -7.49 | -1.75 | -4.88 | |
P/B Ratio | 34 | 28.1 | 1.25 | 2.74 | -32.49 | |
PTB ratio | 34 | 28.1 | 1.25 | 2.74 | -32.49 | |
EV to sales | 90.13 | 47.54 | 4.2 | 1.89 | 4.74 | |
Enterprise value over EBITDA | -59.56 | -64.03 | -5.38 | -1.7 | -5.93 | |
EV to operating cash flow | -77.48 | -70.22 | -7.72 | -2.34 | -5.83 | |
EV to free cash flow | -76.68 | -68.82 | -7.61 | -2.31 | -5.8 | |
Earnings yield | -0.02 | -0.02 | -0.17 | -2.27 | -0.3 | |
Free cash flow yield | -0.01 | -0.01 | -0.13 | -0.57 | -0.21 | |
Debt to equity | 0.04 | 0.1 | 0.3 | 1.88 | -7.42 | |
Debt to assets | 0.04 | 0.08 | 0.21 | 0.54 | 0.69 | |
Net debt to EBITDA | 0.3 | 0.34 | -0.08 | -0.41 | -0.95 | |
Current ratio | 6.67 | 5.31 | 10.21 | 11.17 | 5.35 | |
Interest coverage | 0 | 0 | -17.49 | -11.34 | -4.26 | |
Income quality | 0.72 | 0.87 | 0.75 | 0.25 | 0.69 | |
Dividend Yield | 0 | 0 | 0.23 | 0 | 0 | |
Payout ratio | 0 | 0 | -1.29 | 0 | 0 | |
Sales general and administrative to revenue | 0.52 | 0.31 | 0.55 | 0.59 | 0.45 | |
Research and developement to revenue | 0.96 | 0.58 | 0.39 | 0.59 | 0.52 | |
Intangibles to total assets | 0.03 | 0.01 | 0.41 | 0 | 0.01 | |
Capex to operating cash flow | 0.01 | 0.02 | 0.01 | 0.01 | 0 | |
Capex to revenue | -0.01 | -0.01 | -0.01 | -0.01 | 0 | |
Capex to depreciation | -0.13 | -0.33 | -0.14 | -0.14 | -0.1 | |
Stock based compensation to revenue | 0.2 | 0.11 | 0.3 | 0.47 | 0.29 | |
Graham number | 2.26 | 2.38 | 13.01 | 6.21 | 1.16 | |
ROIC | -0.58 | -0.38 | -0.16 | -0.77 | -1.01 | |
Return on tangible assets | -0.52 | -0.35 | -0.26 | -1.77 | -0.91 | |
Graham Net | 0.51 | 0.53 | 2.05 | 0.44 | -0.11 | |
Working capital | 123.12M | 151.12M | 552.99M | 360.62M | 137.25M | |
Tangible asset value | 130.83M | 162.13M | 350.36M | 161.79M | 24.84M | |
Net current asset value | 118.51M | 133.74M | 311.12M | 127.25M | -10.3M | |
Invested capital | 0.04 | 0.1 | 0.3 | 1.88 | -7.42 | |
Average receivables | 0 | 17.53M | 29.15M | 28.4M | 21.33M | |
Average payables | 0 | 3.29M | 4.8M | 3.71M | 1.72M | |
Average inventory | 0 | 1.94M | 0.5 | 0.5 | 0.5 | |
Days sales outstanding | 78.07 | 92.05 | 53.04 | 35.26 | 46.4 | |
Days payables outstanding | 58.71 | 36.59 | 18.97 | 3.16 | 10.46 | |
Days of inventory on hand | 72.32 | 0 | 0 | 0 | 0 | |
Receivables turnover | 4.68 | 3.97 | 6.88 | 10.35 | 7.87 | |
Payables turnover | 6.22 | 9.98 | 19.24 | 115.52 | 34.89 | |
Inventory turnover | 5.05 | 34.29M | 0 | 145.55M | 0 | |
ROE | -0.6 | -0.46 | -0.22 | -6.2 | 9.63 | |
Capex per share | 0 | -0.01 | -0.01 | -0.01 | 0 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 0.18 | 0.15 | 0.18 | 0.16 | 0.15 | |
Net income per share | -0.34 | -0.27 | -0.18 | -0.18 | -0.13 | |
Operating cash flow per share | -0.2 | -0.19 | -0.14 | -0.11 | -0.08 | |
Free cash flow per share | -0.2 | -0.19 | -0.14 | -0.11 | -0.08 | |
Cash per share | 1.49 | 1.27 | 1.09 | 0.99 | 0.55 | |
Book value per share | 0.52 | 0.3 | 0.17 | 0.03 | -0.08 | |
Tangible book value per share | 0.68 | 0.46 | 0.34 | 0.2 | 0.1 | |
Share holders equity per share | 0.52 | 0.3 | 0.17 | 0.03 | -0.08 | |
Interest debt per share | 1 | 0.99 | 0.98 | 1 | 0.6 | |
Market cap | 343.36M | 240.53M | 231.36M | 337.58M | 633.97M | |
Enterprise value | 451.14M | 426.21M | 428.08M | 480.17M | 752.7M | |
P/E ratio | -1.05 | -0.91 | -1.35 | -1.95 | -4.98 | |
Price to sales ratio | 8.03 | 6.44 | 5.4 | 8.32 | 17.56 | |
POCF ratio | -7.25 | -5.16 | -6.73 | -13.04 | -30.64 | |
PFCF ratio | -7.18 | -5.12 | -6.69 | -13.02 | -30.52 | |
P/B Ratio | 2.79 | 3.37 | 5.61 | 53.65 | -32.95 | |
PTB ratio | 2.79 | 3.37 | 5.61 | 53.65 | -32.95 | |
EV to sales | 10.54 | 11.42 | 10 | 11.83 | 20.85 | |
Enterprise value over EBITDA | -6.38 | -9.61 | -14.41 | -20.87 | -38.17 | |
EV to operating cash flow | -9.53 | -9.14 | -12.45 | -18.55 | -36.38 | |
EV to free cash flow | -9.44 | -9.08 | -12.39 | -18.53 | -36.23 | |
Earnings yield | -0.24 | -0.28 | -0.19 | -0.13 | -0.05 | |
Free cash flow yield | -0.14 | -0.2 | -0.15 | -0.08 | -0.03 | |
Debt to equity | 1.88 | 3.25 | 5.61 | 37.67 | -7.42 | |
Debt to assets | 0.54 | 0.6 | 0.66 | 0.74 | 0.69 | |
Net debt to EBITDA | -1.53 | -4.19 | -6.62 | -6.2 | -6.02 | |
Current ratio | 11.17 | 8.77 | 8.87 | 7.69 | 5.35 | |
Interest coverage | -9.83 | -6.43 | -4.62 | -4.41 | -2.99 | |
Income quality | 0.58 | 0.7 | 0.83 | 0.62 | 0.65 | |
Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
Payout ratio | 0 | 0 | 0 | 0 | 0 | |
Sales general and administrative to revenue | 0.78 | 0.55 | 0.46 | 0.39 | 0.4 | |
Research and developement to revenue | 0.78 | 0.7 | 0.52 | 0.46 | 0.4 | |
Intangibles to total assets | 0 | 0.01 | 0.01 | 0.01 | 0.01 | |
Capex to operating cash flow | 0.01 | 0.01 | 0 | 0 | 0 | |
Capex to revenue | -0.01 | -0.01 | 0 | 0 | 0 | |
Capex to depreciation | -0.29 | -0.21 | -0.12 | -0.02 | -0.06 | |
Stock based compensation to revenue | 0.66 | 0.44 | 0.34 | 0.22 | 0.17 | |
Graham number | 1.99 | 1.35 | 0.82 | 0.32 | 0.47 | |
ROIC | -0.2 | -0.15 | -0.13 | -0.14 | -0.16 | |
Return on tangible assets | -0.19 | -0.17 | -0.12 | -0.14 | -0.16 | |
Graham Net | 0.43 | 0.24 | 0.1 | -0.03 | -0.11 | |
Working capital | 360.62M | 310.24M | 274.49M | 246.38M | 137.25M | |
Tangible asset value | 161.79M | 111.25M | 82.51M | 48.93M | 24.84M | |
Net current asset value | 127.25M | 78.09M | 43.5M | 15.88M | -10.3M | |
Invested capital | 1.88 | 3.25 | 5.61 | 37.67 | -7.42 | |
Average receivables | 25.44M | 21.7M | 21.17M | 20.62M | 19.76M | |
Average payables | 1.91M | 1.6M | 2.54M | 2.64M | 2.15M | |
Average inventory | 10.29M | 8.73M | 17.57M | 8.84M | 0 | |
Days sales outstanding | 47.79 | 49.86 | 45.52 | 43.42 | 49.7 | |
Days payables outstanding | 4 | 8.09 | 14.67 | 10.3 | 11.92 | |
Days of inventory on hand | 0 | 73.14 | 82.38 | 0 | 0 | |
Receivables turnover | 1.88 | 1.8 | 1.98 | 2.07 | 1.81 | |
Payables turnover | 22.52 | 11.12 | 6.14 | 8.74 | 7.55 | |
Inventory turnover | 28.38M | 1.23 | 1.09 | 0 | 0 | |
ROE | -0.66 | -0.93 | -1.04 | -6.87 | 1.65 | |
Capex per share | 0 | 0 | 0 | 0 | 0 |
BLND Frequently Asked Questions
What is Blend Labs, Inc. stock symbol ?
Blend Labs, Inc. is a US stock , located in San francisco of Ca and trading under the symbol BLND
Is Blend Labs, Inc. buy or a sell ?
3 stock analysts have 3 predictions with a medium analyst target price of $6.67. The lowest prediction is $3 and the highest is $10
What is BLND stock prediction ?
What is Blend Labs, Inc. stock quote today ?
Blend Labs, Inc. stock price is $3.25 today.
Is Blend Labs, Inc. stock public?
Yes, Blend Labs, Inc. is a publicly traded company.