Beeline Holdings, Inc. (BLNE) vs CNFinance Holdings Limited Sponsored ADR (CNF)

Beeline Holdings, Inc. and CNFinance Holdings Limited Sponsored ADR are both Mortgage Finance companies. Beeline Holdings, Inc. is the larger, with a market value of $33.5M against $12.8M — 2.6× the size. Beeline Holdings, Inc. trades at the lower P/E: 0.4× against 0.6×. Beeline Holdings, Inc. grew revenue faster over the last twelve months: 142.3% against −7.19%. CNFinance Holdings Limited Sponsored ADR has the higher net margin (8.88% vs −227.8%) and the higher return on invested capital (0.00% vs −26.2%). Across the 19 metrics below, CNFinance Holdings Limited Sponsored ADR leads on 12 and Beeline Holdings, Inc. on 7.

Valuation

Metric BLNE CNF Mortgage Finance median
P/E 0.41 0.58 7.11
P/S 2.75 0.05 1.54
P/B 0.55 0.03 0.53
Price to free cash flow n/m 0.04 6.59
EV/EBITDA n/m n/m 22.03
EV/Sales 3.14 1.56 5.95
Earnings yield 244.81% 172.59% 2.09%
Free cash flow yield (62.97%) 2,281.46% (16.97%)

Profitability

Metric BLNE CNF Mortgage Finance median
Gross margin 100.00% 61.00% 84.40%
Operating margin (202.06%) 0.00% 12.51%
Net margin (227.79%) 8.88% (0.83%)
Free cash flow margin (173.13%) 0.00% (45.06%)
Return on equity (43.69%) 0.00% (1.16%)
Return on assets (35.23%) 0.00% 0.38%
Return on invested capital (26.21%) 0.00% 0.36%

Growth

Metric BLNE CNF Mortgage Finance median
Revenue growth (TTM) 142.33% (7.19%) 11.44%
EPS growth (last fiscal year) 95.22% (1,282.50%) —
Revenue growth, 5-year CAGR (11.12%) (19.48%) (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric BLNE CNF Mortgage Finance median
Debt to equity 0.00 0.95 1.22
Current ratio 1.07 1,057.43 1.38
Net debt to EBITDA 0.22 0.00 9.85

Dividend

Metric BLNE CNF Mortgage Finance median
Dividend yield — — 5.81%
Payout ratio 0.00 0.00 0.00

Size

Metric BLNE CNF Mortgage Finance median
Market cap 33.45m 12.83m 214.95m

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