Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
Blend Labs Inc (BLND)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: BLND (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $4.85
1 Year Target Price $4.85
| 3 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -45.51% | Avg. Invested days 22 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.09B USD | Price to earnings Ratio - | 1Y Target Price 4.85 |
Price to earnings Ratio - | 1Y Target Price 4.85 | ||
Volume (30-day avg) 7 | Beta 1.25 | 52 Weeks Range 2.63 - 5.53 | Updated Date 09/17/2025 |
52 Weeks Range 2.63 - 5.53 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.51% | Operating Margin (TTM) -14.58% |
Management Effectiveness
Return on Assets (TTM) -6.96% | Return on Equity (TTM) -10.4% |
Valuation
Trailing PE - | Forward PE 68.49 | Enterprise Value 1000647112 | Price to Sales(TTM) 6.48 |
Enterprise Value 1000647112 | Price to Sales(TTM) 6.48 | ||
Enterprise Value to Revenue 5.96 | Enterprise Value to EBITDA -0.26 | Shares Outstanding 255696992 | Shares Floating 221392791 |
Shares Outstanding 255696992 | Shares Floating 221392791 | ||
Percent Insiders 8.79 | Percent Institutions 65.18 |
Upturn AI SWOT
Blend Labs Inc
Company Overview
History and Background
Blend Labs, Inc. was founded in 2012. It provides a cloud banking platform that streamlines the process of applying for and obtaining mortgages, consumer loans, and deposit accounts. Blend's platform aims to simplify complex workflows and increase efficiency for lenders and consumers.
Core Business Areas
- Blend Mortgage: This segment focuses on providing technology solutions for mortgage lenders, streamlining the application, processing, and closing of mortgage loans.
- Blend Consumer Banking: This segment caters to consumer banking needs by offering solutions for various consumer loans and deposit accounts.
- Title365: This segment provides title insurance, escrow, and settlement services. (Acquired by Blend)
Leadership and Structure
Nima Ghamsari is the CEO and co-founder. The company has a standard corporate structure with a board of directors and executive leadership overseeing various departments such as engineering, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Blend Mortgage Suite: Offers a digital mortgage application process, workflow automation, and data analytics. It is difficult to quantify Blend's exact market share in this space. Competitors include Ellie Mae (ICE Mortgage Technology), Black Knight, and MeridianLink.
- Blend Consumer Banking Suite: Provides solutions for online account opening, loan applications, and other consumer banking services. Competitors include Temenos, FIS, and Finastra.
- Title365: Provides title insurance, escrow and settlement services. Market share data is not publicly available. Competitors include First American Financial Corporation (FAF) and Fidelity National Financial (FNF).
Market Dynamics
Industry Overview
The financial technology (fintech) industry is rapidly evolving, with increasing demand for digital solutions in banking and lending. The mortgage industry, in particular, is undergoing significant technological transformation.
Positioning
Blend Labs positions itself as a leading provider of cloud banking software for streamlining the lending process. Its competitive advantage lies in its comprehensive platform, integration capabilities, and focus on user experience.
Total Addressable Market (TAM)
Estimates for the total addressable market vary, but the digitalization of the lending and banking industry is expected to reach hundreds of billions of dollars globally. Blend Labs is positioned to capture a share of this TAM through its cloud-based platform.
Upturn SWOT Analysis
Strengths
- Comprehensive cloud banking platform
- Strong focus on user experience
- Established partnerships with major lenders
- Scalable technology infrastructure
Weaknesses
- Dependence on the cyclical nature of the mortgage market
- Competition from larger, more established fintech companies
- Profitability Concerns and high costs
Opportunities
- Expansion into new lending verticals (e.g., auto loans, personal loans)
- Increased adoption of digital banking solutions
- Strategic partnerships with financial institutions
- International expansion
Threats
- Economic downturns and rising interest rates
- Increased competition from other fintech companies
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ICE
- JKHY
- FNF
Competitive Landscape
Blend Labs competes with larger, more established fintech companies, as well as smaller, specialized providers. Its advantages include its comprehensive platform, focus on user experience, and established partnerships. Disadvantages include its smaller size and dependence on the mortgage market.
Major Acquisitions
Title365
- Year: 2021
- Acquisition Price (USD millions): 422
- Strategic Rationale: This acquisition allowed Blend Labs to expand its offerings into title insurance, escrow, and settlement services, providing a more comprehensive solution for lenders and consumers.
Growth Trajectory and Initiatives
Historical Growth: Blend Labs' historical growth has been driven by the increasing adoption of digital lending solutions and its expansion into new product areas.
Future Projections: Future growth projections depend on the overall market conditions and the company's ability to execute its growth strategy. Analyst estimates require fetching from financial data provider APIs.
Recent Initiatives: Recent initiatives include expanding its product offerings, strengthening partnerships with financial institutions, and investing in technology infrastructure.
Summary
Blend Labs offers a compelling cloud banking platform aimed at modernizing the mortgage and lending processes. Its strengths lie in its comprehensive platform and user focus, but it faces challenges including market volatility and strong competition. The acquisition of Title365 expands its service offerings, while economic conditions and interest rates pose significant threats. Blend must continue innovating and expanding its market reach to maintain a competitive edge and improve profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party financial data providers
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Financial data needs to be manually updated based on latest quarterly filings.
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.
About Blend Labs Inc
Exchange NYSE | Headquaters Novato, CA, United States | ||
IPO Launch date 2021-07-16 | Co-Founder, Chairman, CEO & Head of Blend Mr. Nima Ghamsari | ||
Sector Technology | Industry Software - Application | Full time employees 540 | Website https://blend.com |
Full time employees 540 | Website https://blend.com | ||
Blend Labs, Inc. provides a cloud-based software platform for financial services firms in the United States. It operates in two segments, Blend Platform and Title. The company offers a suite of products that powers digital-first consumer journeys for mortgages, home equity loans and lines of credit, vehicle loans, personal loans, credit cards, and deposit accounts; and a suite of add-on products that offers to enhance consumers' journeys to homeownership, such as close, income verification for mortgage and home equity, homeowners' insurance, and title. It also provides Blend Builder to configure or build custom workflows from a pre-built set of components; verification components to automate confirmation tasks that are needed to underwrite a loan or approve the opening of a new deposit account; decisioning components to reduce the need for human intervention by automatically applying business rules throughout an application workflow configured by a financial services firm; and workflow intelligence components to manage data collection and automate tasks throughout the loan origination process. In addition, the company offers title search procedures for title insurance policies, escrow, and other closing and settlement services; and other trustee services, as well as professional and consulting services. It serves banks, credit unions, fintechs, and other non-bank mortgage lenders. The company was incorporated in 2012 and is headquartered in Novato, California.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.