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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
09/28/2026: BL (1-star) is currently NOT-A-BUY. Pass it for now.
Blackline Inc is a prominent provider of cloud-based accounting automation software, primarily focused on streamlining the complex financial close process for large enterprises. The company has a leading position in the industry, supported by a strong SaaS business model and deep integrations with global ERP systems like SAP. Its primary growth opportunity lies in expanding its intercompany accounting suite and integrating AI-driven automation into its platform. However, the company faces risks from bundling by large ERP incumbents and potential macroeconomic headwinds affecting IT budgets. Blackline is generally best suited for growth-oriented investors and should be monitored for competitive win rates against ERP providers.
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 | Mixed fit | The company is growing, but growth rates have moderated from its earlier, more explosive phases. |
| Momentum investor | Weak fit | Momentum is conditional on positive market sentiment toward SaaS, which has been inconsistent recently. |
| Value investor | Mixed fit | Valuation is more reasonable than its peak, but the company is still valued on growth metrics. |
| Dividend investor | Weak fit | Blackline Inc does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Enterprise software stocks generally carry high price volatility and sensitivity to interest rate cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is sensitive to growth-stock sentiment and interest rate changes. |
| Valuation risk | Medium | As a SaaS player, the stock is valued on future expectations which are prone to re-rating. |
| Competition risk (ERP integration) | Medium / high | Large ERP vendors may bundle close functionality, increasing price pressure. |
| Business quality | Medium | Strong recurring revenue streams, but faces challenges scaling beyond its core user base. |
| Dividend income | Low / none | The company does not provide income to shareholders. |
| Execution risk | Medium | Maintaining leadership against deep-pocketed competitors requires consistent innovation. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -30.91% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
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 1.63B USD | Price to earnings Ratio 49.98 | 1Y Target Price 38.8 |
Price to earnings Ratio 49.98 | 1Y Target Price 38.8 | ||
Volume (30-day avg) 919.6K shares | Beta 0.65 | 52 Weeks Range 24.70 - 59.57 | Updated Date 09/27/2026 |
52 Weeks Range 24.70 - 59.57 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.56 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription Services | Primary revenue stream from licenses to the BlackLine cloud platform. | This is the core, recurring revenue that provides stability. |
| Professional Services | Implementation, training, and consulting services. | Lower margin, but essential for customer onboarding and success. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 49.98 | Forward PE 48.54 | Enterprise Value 1.80B | Price to Sales(TTM) 2.22 |
Enterprise Value 1.80B | Price to Sales(TTM) 2.22 | ||
Enterprise Value to Revenue 2.45 | Enterprise Value to EBITDA 17.07 | Shares Outstanding 58.13M | Shares Floating 43.92M |
Shares Outstanding 58.13M | Shares Floating 43.92M | ||
Percent Insiders 9.46 | Percent Institutions 107.1 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Blackline Inc
Exchange NASDAQ | Headquarters Woodland Hills, CA, United States | ||
IPO Launch date 2016-10-28 | Chairman & CEO Mr. Owen M. Ryan CPA | ||
Sector Technology | Industry Software - Application | Full time employees 1850 | Website https://www.blackline.com |
Full time employees 1850 | Website https://www.blackline.com | ||
BlackLine, Inc. provides cloud-based solutions to automate and streamline accounting and finance operations in the United States and internationally. It offers financial close and consolidation solutions, such as account reconciliations that provides a centralized workspace for users to collaborate on account reconciliations; transaction matching, which analyzes and reconciles individual transactions; task management to create and manage processes and task lists; and financial reporting analytics that enables analysis and validation of financial data. The company also provides journal entry, which allows users to generate, review, and post manual journal entries; variance analysis that offers anomalous fluctuations in balance sheet and income statement account balances; compliance, an integrated solution that facilitates compliance-related initiatives, consolidates project management, and provides visibility over control self-assessments and testing; and smart close for SAP solution. In addition, it offers credit and risk, collection, dispute and deduction, and team and task management, as well as AR intelligence, electronic invoicing and payment, and cash application solutions. Further, the company provides intercompany create functionality that stores permissions and business logic exceptions by entity, service, and transaction type; intercompany balance and resolve, which records an organization's intercompany transactions; and netting and settlement that enables open intercompany transactions, which integrate with treasury systems. Additionally, it offers implementation, optimization, live and web-based training, and support services. The company sells its solutions primarily through direct sales force to multinational corporations, large domestic enterprises, and mid-market companies across various industries. The company was incorporated in 2001 and is headquartered in Woodland Hills, California.
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