BLND - NYSE
Blend Labs, Inc.
$1.59
-4.2%Blend Labs, Inc. provides cloud-based software platform solutions for financial services firms in the United States. It operates in two segments, Blend Platform and Title365. The company offers a suite of white-label products for mortgages, home equity loans and lines of credit, vehicle loans, personal loans, credit cards, and deposit accounts. It also provides a suite of mortgage products that facilitates homeownership journey for consumers comprising close, income verification for mortgage, homeowners insurance, and realty. In addition, the company offers title search procedures for title insurance policies, escrow, and other closing and settlement services, as well as other trustee services; and professional and consulting services. It serves banks, credit unions, financial technology companies, and non-bank mortgage lenders. Blend Labs, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
At a Glance
Live SnapshotBlend Labs, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Very high capital intensity consumes most operating cash flow. Limited flexibility for dividends or debt reduction.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
Blend Labs, Inc. Cash Flow Statement
BLND • NYSE
| Blend Labs, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||
-26M | -43.4M | -179.9M | -763.8M | -169.1M | -74.6M | -81.5M | |
3.8M | 4.8M | 5.8M | 14.4M | 13.8M | 6.3M | 4.8M | |
0.0 | 0.0 | 0.0 | 0.0 | -39.3M | 0.0 | 0.0 | |
29M | 28.1M | 46M | 109.7M | 70.8M | 10.1M | 9.9M | |
7.4M | -4.4M | 4.7M | 453.8M | 9.4M | 4.4M | 3.8M | |
(389K) | (76K) | (107K) | (276K) | (884K) | (26K) | (8K) | |
-2.7M | 1.9M | -4.3M | -4.5M | -13.1M | -11.2M | 4.1M | |
11.5M | -13M | -127.6M | -190.4M | -127.5M | -65M | -58.9M | |
INVESTING ACTIVITIES | |||||||
-11.6M | -9.8M | -587K | -2.1M | -1.9M | -1.3M | -620K | |
(0.0) | (9.1M) | (0.0) | (0.0) | -400M | (0.0) | (40K) | |
-35.5M | -102M | -236.1M | -145.5M | -354.1M | -174M | -150.7M | |
46.7M | 153.5M | 366.5M | 247M | 125.1M | 167.4M | 85.9M | |
18.9M | -5.3M | -2.5M | 0.0 | -3M | 0.0 | -40K | |
(18.5M) | (45.4M) | (127.3M) | (99.4M) | -633.9M | -7.9M | -65.5M | |
FINANCING ACTIVITIES | |||||||
-23.2M | 0.0 | 268K | -391K | 366.8M | 0.0 | 0.0 | |
0.0 | -144.5M | -85.1M | 0.0 | 221.7M | 0.0 | 5M | |
-24.9M | (0.0) | (0.0) | -391K | (0.0) | (0.0) | -52K | |
-9.4M | -25.9M | -6.2M | 2.6M | 35.4M | 14.5M | 3M | |
-32.6M | -21.1M | -91M | 2.2M | 933.6M | 90.8M | 132.7M | |
CASH FLOW SUMMARY | |||||||
-1.1M | -5K | -31K | -116K | -9K | 0.0 | 0.0 | |
-3.7M | 11.3M | -91.3M | -88.9M | 172.2M | 17.8M | 8.2M | |
47.3M | 38.3M | 129.6M | 218.4M | 46.3M | 28.5M | 20.2M | |
43.6M | 49.5M | 38.3M | 129.6M | 218.4M | 46.3M | 28.5M | |
-81K | -22.9M | -128.2M | -192.5M | -129.4M | -66.3M | -59.6M |
SEC Filings
BLND - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 29, 2026 | April 24, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 16, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 02, 2026 | March 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 06, 2026 | January 06, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 06, 2025 | November 06, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 06, 2025 | October 03, 2025 | 2025 |
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