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Upturn AI Summary - About
Blackline Inc(BL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BL
10/28/2026: BL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Blackline Inc is a prominent provider of cloud-based accounting automation software designed to simplify the period-end financial close. The stock is best suited for growth-oriented investors who prioritize long-term expansion in the enterprise software space over immediate dividend income. While Blackline has a leading position in Record-to-Report automation and a high-quality recurring subscription model, it faces significant competitive risks from large ERP providers like SAP and Oracle. The company's future success depends on its ability to integrate AI-driven features and maintain its niche value proposition as businesses modernize. Investors should monitor quarterly churn rates and the company’s ability to defend its market share against bundled enterprise software competitors.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company operates in a growing SaaS market with high recurring revenue. |
| Momentum investor | Mixed fit | Momentum is conditional on positive market sentiment and consistent revenue acceleration signals. |
| Value investor | Weak fit | The stock often trades at a premium valuation typical of high-growth technology companies. |
| Dividend investor | Weak fit | Blackline does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The stock exhibits volatility consistent with the enterprise software sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Technology stocks in this segment are often subject to significant price fluctuations based on interest rates and earnings growth. |
| Valuation risk | High | Investors pay a high multiple for future growth which can contract if revenue guidance is missed. |
| Competition risk (ERP incumbents) | High | Large ERP vendors like SAP and Oracle adding R2R features could threaten Blackline's market share. |
| Business quality | Medium / high | Blackline has a strong, sticky SaaS business model but remains sensitive to enterprise spending cycles. |
| Dividend income | Low / none | No dividend income is generated from holding this stock. |
| Execution risk | Medium | Successful execution of go-to-market strategies and product innovation is required to maintain growth. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -32.07% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.98B USD | Price to earnings Ratio 59.81 | 1Y Target Price 38.1 |
Price to earnings Ratio 59.81 | 1Y Target Price 38.1 | ||
Volume (30-day avg) 957.9K shares | Beta 0.74 | 52 Weeks Range 24.70 - 59.57 | Updated Date 10/28/2026 |
52 Weeks Range 24.70 - 59.57 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.57 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription Revenue | Recurring revenue from cloud platform access fees. | This is the core, stable income source for the company. |
| Professional Services | Implementation, training, and consulting services. | These are one-time fees that help customers adopt the software effectively. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 0.25 | Actual - |
Profitability
Profit Margin 4.75% | Operating Margin (TTM) 6.45% |
Management Effectiveness
Return on Assets (TTM) 1.64% | Return on Equity (TTM) 7.03% |
Valuation
Trailing PE 59.81 | Forward PE 48.54 | Enterprise Value 2.15B | Price to Sales(TTM) 2.71 |
Enterprise Value 2.15B | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 2.93 | Enterprise Value to EBITDA 20.4 | Shares Outstanding 58.13M | Shares Floating 43.92M |
Shares Outstanding 58.13M | Shares Floating 43.92M | ||
Percent Insiders 9.46 | Percent Institutions 106.68 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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