Blend Labs, Inc. cash flow to debt ratio of 7.15% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Blend Labs, Inc.'s free cash flow has increased -99.65% from $-22.89M last year to $-81.00K, signaling increasing performance

Blend Labs, Inc.'s debt to equity ratio is 0.02, which means that the company's assets are healthy financed, signaling financial stability.

Blend Labs, Inc.'s debt has increased relative to shareholder equity from -0.07 last year to 0.02 today, signaling weakened financials

Blend Labs, Inc. has a net debt to EBITDA ratio of 31.50x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Interest expense is not separately reported in Blend Labs, Inc.'s latest filing, so interest coverage cannot be calculated.

Blend Labs, Inc.'s profit margin has increased (-98.85%) in the last year from -30.62% to -0.35%, signaling increasing performance

Blend Labs, Inc.'s short-term assets of $97.86M exceed its short-term liabilities of $39.53M

Blend Labs, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Blend Labs, Inc.'s return on equity of -1.22%, is lower than 15.00%, indicating bad performance

Blend Labs, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Blend Labs, Inc. had positive net income in only 0 out of 5 years, indicating unstable earnings

Blend Labs, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Blend Labs, Inc. has negative free cash flow, indicating cash burn

Blend Labs, Inc.'s yearly earnings has increased -83.76% since last year from $-49.60M to $-8.05M, signaling increasing performance

Blend Labs, Inc.'s yearly revenue has decreased 23.77% since last year from $162.02M to $123.51M, signaling decreasing performance

ROIC -13.56% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Blend Labs, Inc.'s 3-year revenue CAGR of -19.31% is negative, indicating declining revenue over the past 3 years

Blend Labs, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Blend Labs, Inc. had positive ROE in only 0 out of 5 years, indicating inconsistent returns on equity

Blend Labs, Inc. has insufficient data to evaluate this check.

Blend Labs, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Blend Labs, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Blend Labs, Inc. has an EV/EBITDA ratio of 155.81x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Blend Labs, Inc. has insufficient data to evaluate this check.

Blend Labs, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Blend Labs, Inc. has a price-to-book ratio of 3.82x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Blend Labs, Inc. has a price-to-sales ratio of 2.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue