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Upturn AI SWOT - About
Blend Labs Inc (BLND)
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Upturn Advisory Summary
08/28/2025: BLND (1-star) is currently NOT-A-BUY. Pass it for now.
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 -45.77% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 918.01M 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 08/29/2025 |
52 Weeks Range 2.63 - 5.53 | Updated Date 08/29/2025 | ||
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 2025-08-07 | When - | Estimate 0.02 | Actual -0.0425 |
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 144.93 | Enterprise Value 832086426 | Price to Sales(TTM) 5.47 |
Enterprise Value 832086426 | Price to Sales(TTM) 5.47 | ||
Enterprise Value to Revenue 4.96 | Enterprise Value to EBITDA -0.26 | Shares Outstanding 255696992 | Shares Floating 221250163 |
Shares Outstanding 255696992 | Shares Floating 221250163 | ||
Percent Insiders 8.84 | Percent Institutions 64.99 |
Upturn AI SWOT
Blend Labs Inc
Company Overview
History and Background
Blend Labs Inc. was founded in 2012 with the goal of modernizing the mortgage application process. Over time, it has expanded to provide a broader range of digital lending solutions for financial institutions.
Core Business Areas
- Mortgage Suite: Blend's core offering, a digital mortgage platform streamlining the application, processing, and closing of mortgages.
- Consumer Banking Suite: Expands beyond mortgages to include digital solutions for other lending products like personal loans, credit cards, and deposit accounts.
- Title365: A title insurance and settlement services provider acquired by Blend to further streamline the homebuying process.
Leadership and Structure
Nima Ghamsari is the CEO. Blend has a typical corporate structure with departments for engineering, product, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Mortgage Suite: Blend's digital mortgage platform allows lenders to offer a streamlined online application process. Blend has relationships with around 364 financial institutions. Competitors include Ellie Mae (ICE Mortgage Technology), Black Knight, and ICE Mortgage Technology (Encompass).
- Consumer Banking Suite: This suite covers personal loans, credit cards, and deposit accounts, enabling banks to offer a unified digital experience. The revenue from this product is not seperately disclosed. Competitors include Temenos, Finastra, and FIS.
- Title365: Provides title insurance and settlement services. Blend's 2021 annual report shows about 70% of the revenue comes from mortgage and consumer products. Competitors include Fidelity National Financial and First American Financial.
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid digital transformation, with increasing demand for online and mobile banking solutions. This shift is driven by consumer expectations for convenience and efficiency.
Positioning
Blend is positioned as a leading provider of cloud-based digital lending solutions, helping financial institutions modernize their processes and improve customer experience.
Total Addressable Market (TAM)
The TAM for digital lending platforms is estimated to be several billion dollars, encompassing mortgage, consumer lending, and other financial services. Blend is targeting a significant portion of this market by offering comprehensive solutions for the entire lending lifecycle.
Upturn SWOT Analysis
Strengths
- Modern technology stack
- Established customer base
- Comprehensive product suite
- Strong partnerships with financial institutions
Weaknesses
- Reliance on the mortgage market
- Profitability challenges
- High customer concentration
- Integration risks with Title365
Opportunities
- Expansion into new lending products
- Increased adoption of digital lending
- Partnerships with fintech companies
- Geographic expansion
Threats
- Competition from established players
- Economic downturn affecting lending
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ICE
- FNF
- FISV
Competitive Landscape
Blend has a competitive advantage in its modern technology stack and comprehensive product suite. However, it faces competition from larger, more established players with deeper pockets.
Major Acquisitions
Title365
- Year: 2021
- Acquisition Price (USD millions): 422
- Strategic Rationale: To integrate title insurance and settlement services into its platform, streamlining the homebuying process.
Growth Trajectory and Initiatives
Historical Growth: Blend has experienced significant revenue growth in the past, driven by the increasing adoption of its digital lending platform.
Future Projections: Analyst estimates vary, but generally project continued revenue growth, with a focus on profitability improvements. Growth is projected to be 15% annually over the next 3 years.
Recent Initiatives: Acquisition of Title365, expansion into new lending products, and strategic partnerships.
Summary
Blend Labs is a company modernizing the mortgage application process with its digital lending platform, however, they face competition from established players and rely heavily on the mortgage market. Their Title365 acquisition aims to streamline the process, and expansion into new lending products offer growth opportunities. Profitability remains a challenge. Investors should monitor market dynamics and the integration of Title365.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market data and analyst estimates are subject to change.
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.
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