Beeline Holdings, Inc. (BLNE) vs Income Opportunity Realty Investors, Inc. (IOR)

Beeline Holdings, Inc. and Income Opportunity Realty Investors, Inc. are both Mortgage Finance companies. Income Opportunity Realty Investors, Inc. is the larger, with a market value of $72.7M against $21.2M — 3.4× the size. Beeline Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Income Opportunity Realty Investors, Inc. trades at 20.1×. Income Opportunity Realty Investors, Inc. has the higher net margin (0.00% vs −227.8%) and the higher return on invested capital (−0.19% vs −26.2%). Across the 15 metrics below, Income Opportunity Realty Investors, Inc. leads on 10 and Beeline Holdings, Inc. on 5.

Valuation

Metric BLNE IOR Mortgage Finance median
P/E n/m 20.13 10.24
P/S 1.88 117.84 1.52
P/B 0.38 0.59 0.52
Price to free cash flow n/m 3.57 4.71
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (145.90%) 4.97% (2.50%)
Free cash flow yield (91.88%) 27.99% (9.21%)

Profitability

Metric BLNE IOR Mortgage Finance median
Gross margin 100.00% 0.00% 81.25%
Operating margin (202.06%) 0.00% 1.91%
Net margin (227.79%) 0.00% (1.66%)
Free cash flow margin (173.13%) 0.00% (15.01%)
Return on equity (43.69%) 2.96% (1.94%)
Return on assets (35.23%) 2.96% (0.23%)
Return on invested capital (26.21%) (0.19%) 0.00%

Growth

Metric BLNE IOR Mortgage Finance median
Revenue growth (TTM) 152.12% — 7.49%
EPS growth (last fiscal year) 95.22% (14.04%) 20.88%
Revenue growth, 5-year CAGR (11.12%) — (11.12%)
Net income growth, 5-year CAGR 0.00% (1.09%) 0.00%

Health

Metric BLNE IOR Mortgage Finance median
Debt to equity 0.00 0.00 0.94
Current ratio 1.07 31,909.00 1.07
Net debt to EBITDA 0.22 0.02 15.25

Dividend

Metric BLNE IOR Mortgage Finance median
Dividend yield — — 7.01%
Payout ratio — — —

Size

Metric BLNE IOR Mortgage Finance median
Market cap 21.15m 72.74m 269.18m

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