Beeline
Originates digital mortgages and provides the title and workflow services around them.
Something off on this page? Send us feedback.
Profile
Originate qualified and non-qualified residential mortgages through an AI-assisted digital workflow, then sell closed loans to aggregators. Revenue also comes from title and settlement work, plus services supporting a partner’s fractional-home-equity transactions; the model combines lending, closing, and workflow tools in one platform.
Originate qualified and non-qualified residential mortgages through Beeline Loans, using a digital application, task-based document workflow, and human Loan Guides. Closed loans are sold to aggregators, while Beeline Title Holdings provides title, escrow, settlement, and closing services for the platform, outside lenders, and fractional-equity transactions. Operations focus on U.S. residential property, with the principal office in Providence and technology support from Australia.
Extend the platform through BeelineEquity, which supplies customer service, transaction processing, and platform support to TYTL’s fractional-home-equity activity. Owned workflow tools include the portal, Point of Sale & Tracker, Resolution Engine, Bob chat agent, and BlinkQC; loan-origination and CRM systems remain licensed from third parties. Lending capacity depends on warehouse funding and sales to a limited group of loan purchasers, within mortgage, title, privacy, and AI regulatory requirements.
Company facts
Key statistics
Year to date −46.8% · Average volume (30d) 305.5K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 13, 2026Q2 FY26 | −$0.05 | −$0.13 | −160.0% | $5.9M | $2.6M | −55.7% | −9.01% |
| May 14, 2026Q1 FY26 | −$0.10 | −$0.18 | −80.0% | $4.2M | $2.7M | −36.1% | −38.29% |
| Mar 31, 2026Q4 FY25 | −$0.31 | −$0.31 | 0.0% | $2.7M | $2.5M | −7.8% | −5.96% |
| Nov 10, 2025Q3 FY25 | −$0.24 | −$0.18 | +25.0% | $3.0M | $2.3M | −21.8% | −16.11% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.9M | $1.8M | $2.3M | $2.6M | $2.7M | $2.6M | |
| Gross profit | $1.4M | $1.7M | $709.0K | −$2.8M | $821.0K | $861.0K | |
| Operating income | −$4.9M | −$3.9M | −$2.8M | −$8.1M | −$5.2M | −$4.5M | |
| Net income | −$6.8M | −$4.1M | −$2.6M | −$8.6M | −$5.3M | −$4.0M | |
| Diluted EPS | −$6.14 | −$0.42 | −$2.00 | −$0.36 | −$0.17 | −$0.13 | |
| Gross margin | 74.5% | 96.4% | 30.2% | -108.3% | 30.5% | 32.8% | |
| Operating margin | -259.5% | -220.8% | -120.9% | -316.1% | -191.7% | -171.0% |
Fiscal years (4-quarter sums)FY21 $12.6M · FY22 $13.9M · FY23 $8.3M · FY24 $3.3M · FY25 $8.6M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $34.0K · Total debt $10.7M · Total assets $1.4M · Shareholders' equity $50.5M
Dividends
No dividends on record.
Ownership
Shares outstanding 30.65M · Float 21.02M · 68.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Nicholas Reyland Liuzza Jr. | 8.16M | 22.80% | 13D | Jun 18, 2026 |
| Nicholas Reyland JR Liuzza · director, 10 percent owner, officer: Chief Executive Officer | 4.78M | 15.61% | Form 4 | Aug 24, 2026 |
| Sansar Capital Master Fund, L.P. | 3.04M | 9.90% | 13G | May 4, 2026 |
| Awm Investment Company, Inc. | 1.85M | 6.03% | 13F | May 15, 2026 |
| Joseph David Freedman · director | 381.9K | 1.25% | Form 4 | Jun 1, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 12, 2026 | Nicholas Reyland JR Liuzza | director, 10 percent owner, officer: Chief Executive Officer | 0 | |
| May 19, 2026 | Nicholas Reyland JR Liuzza | director, 10 percent owner, officer: Chief Executive Officer | +51,525 | $1.04 |
| May 19, 2026 | Tiffany Milton | officer: Chief Accounting Officer | +15,000 | $1.02 |
| May 19, 2026 | Christopher R. Moe | officer: Chief Financial Officer | +10,000 | $1.04 |
| Nov 26, 2025 | Joseph David Freedman | director | +1,000 | $1.85 |
Peers
- Rocket Companies
Largest digital mortgage and title rival at scale.
- Better Home & Finance
AI-native mortgage rival spanning Non-QM and home equity.
- loanDepot
Large retail and direct digital mortgage lender.
- SoFi
Consumer-finance app rival in digital home lending.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Beeline | $1.03 | +4.63% | $30.2M | — | 5.5 | 3.0 | +46.0% |
| Rocket Companies | $13.80 | +0.22% | $38.89B | 94.3 | 19.0 | 4.0 | +113.7% |
| Better Home & Finance | $13.85 | +0.11% | $217.0M | — | — | 1.0 | +23.9% |
| loanDepot | $0.9698 | +0.95% | $321.8M | — | 52.4 | 0.2 | +19.4% |
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Median | 66.0 | 24.5 | 2.5 | +32.5% |