ZIP (49) DSC (46) HUYA (23) SANG (61) ⌘ Pro Terminal →

Blend Labs Inc. (Class A) (BLND) — RQD Stock Rating Cockpit

$1.16 0.00% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.16

Blend Labs Inc. (Class A) (BLND) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $274.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BLND Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BLND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Blend Labs Inc. (Class A) (NYSE: BLND) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $1.16 (0.00% 1D, market cap $274.4M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, BLND ranks #417 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BLND compare to ZIP and DSC in the Technology sector?

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Within the Technology sector (Computer Software: Programming Data Processing), BLND carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of 73.8%, and ROIC of -35.0%. By comparison, ZIP (ZipRecruiter Inc. (Class A)) holds a D grade (49/100 RQD, P/E N/A, ROIC -5.5%, cap $364.3M) and DSC (DSC Holdings Ltd.) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $184.8M). Among the 5-stock peer group, BLND leads on earnings multiple (N/A) while HUYA leads on capital efficiency (-3.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BLND?

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Per BLND's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001855747), Blend Labs Inc. (Class A) generated $123.6M in revenue (+6.8% YoY), -$6.8M in net income, and $11.5M in free cash flow against $170.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.16 (-0.19%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 9.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BLND)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY BLND SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 9.3% FCF Margin ($11.5M FCF) & 73.8% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (54) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$0.99+0% Next Q

Q2 (-2Q)

Grade D$0.99+17.2% Next Q

Q3 (-1Q)

Grade D$1.16+0% Next Q

Current

Grade D$1.16-6.1% Hist 90D α

Trajectory: E (38) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BLND Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BLND currently carries a cautious 46/100 (D) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($1.21) and Max Pain ($1.22) forces dealer call-delta covering toward $3.60.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BLND• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BLND Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 46%NO 54%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

5430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE11% OF RANGE

L: $1$1.16H: $3

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (74% profit margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 16 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BLND

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

-35.0% ROIC with 73.8% gross margin and 4.20% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (35)

16/40 institutional & smart-money positioning score with 5/20 macro alignment.

Bull Case: Why Buyers Like BLND

✓Established market leader in Technology with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BLND)

✓Walkthrough of BLND's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BLND // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -24.18%⚡ TESTING RESISTANCE

2026-11-02O $1.16H $1.16L $1.16C $1.16VOL 1.18M

RES: $1.19SUP: $0.77SMA50: $1.21SMA200: $1.61

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BLND Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BLND Butterfly Map → + Track BLND →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BLND today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BLND. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BLND today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BLND)

Technology Rank #417 of 714 ⚔️ ZIP vs BLND Full Matrix →

1. Head-to-Head Technology Peer Comparison (BLND vs. ZIP, DSC, HUYA, SANG)

Industry: Computer Software: Programming Data Processing (72 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Blend Labs Inc. (Class A) (BLND) ranks #417 by composite RQD confidence (46/100, grade D) and #452 by equity capitalization ($274.4M). Within this direct 5-issuer industry benchmark cohort, BLND leads on earnings valuation at N/A trailing P/E, while HUYA leads on capital efficiency and profitability with -3.0% ROIC and 13.4% gross margin. SANG currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with BLND at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BLND ACTIVE Blend Labs Inc. (Class A)	D	46/100	—	73.8%	-35.0%	0.00%	$274.4M	Benchmark Subject
ZIP ZipRecruiter Inc. (Class A)	D	49/100	—	89.2%	-5.5%	+2.78%	$364.3M	/zip-vs-blnd →
DSC DSC Holdings Ltd.	D	46/100	—	—	—	+4.53%	$184.8M	/dsc-vs-blnd →
HUYA HUYA Inc. each representing one Class A ordinary share	E	23/100	—	13.4%	-3.0%	-1.42%	$475.0M	/huya-vs-blnd →
SANG Sangoma Technologies Corporation	C-	61/100	—	—	—	+1.07%	$157.9M	/sang-vs-blnd →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001855747

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Blend Labs Inc. (Class A) (BLND) reported GAAP revenue of $123.6M (+6.8% vs. FY2024 revenue of $115.8M , and +12.8% cumulative change since FY2023) , GAAP net income of -$6.8M, operating cash flow of $11.5M, and free cash flow of $11.5M (+188.3% YoY). On the balance sheet, BLND closed FY2025 with $170.0M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$123.6M	-$6.8M	$11.5M	$11.5M	$170.0M	—
FY2024 (FY)	2024-12-31	$115.8M	-$43.3M	-$13.0M	-$13.0M	$178.1M	—
FY2023 (FY)	2023-12-31	$109.5M	-$178.7M	-$127.6M	-$127.6M	—	—

3. BLND Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BLND stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BLND compare to ZIP and DSC in the Technology sector?

What are the biggest fundamental strengths and SEC risk factors for BLND?

Where is BLND trading relative to its 50-day, 200-day, and 52-week technical levels?

BLND last traded at $1.16 (0.00% on volume of 1,180,781 shares), positioning the stock -4.13% below its 50-day simple moving average ($1.21) and -27.95% below its 200-day simple moving average ($1.61). Across its 52-week range of $0.88 to $3.43, BLND sits at the 11.0% percentile with a 14-day RSI of 54.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.02 to $1.30).

BLND Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BLND stock right now?

Blend Labs Inc. (Class A) (BLND) currently earns a Roarable Rating of D (Sell — SELL) with 46/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is BLND's 12-month price target and RQD AI Jury consensus?

BLND's 12-month base price target is $1.1 (range $0.86 to $3.6), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: BLND RQD Cockpit BLND 12M Forecast BLND Earnings & Move BLND Dividends & DRIP BLND Insiders & 13F BLND Whale Options BLND Profit Sankey BLND News & Why