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Meridianlink, Inc.

MLNK

Services-Prepackaged Software

Mkt Cap

$1.344B

PE

-31.59

Debt

$430.9M

Cash

$80.44M

EV

$1.694B

FCF

$67.02M

Market Cap

$1.344B

P/E Ratio

-31.59

Debt

$430.9M

Cash

$80.44M

EV

$1.694B

FCF

$67.02M
Charts data: {"Earnings":[{"time":"2019-12-30","value":-44064000},{"time":"2020-12-30","value":-25260000},{"time":"2021-12-30","value":-30940000},{"time":"2022-12-30","value":1294000},{"time":"2023-12-30","value":-42539000}],"Sales":[{"time":"2019-12-30","value":152731000},{"time":"2020-12-30","value":199340000},{"time":"2021-12-30","value":267676000},{"time":"2022-12-30","value":288046000},{"time":"2023-12-30","value":303617000}],"Net Margins":[{"time":"2019-12-30","value":-0.28850724476366946},{"time":"2020-12-30","value":-0.12671816996087087},{"time":"2021-12-30","value":-0.11558750130755092},{"time":"2022-12-30","value":0.004492338029342536},{"time":"2023-12-30","value":-0.1401074379893089}],"Assets":[{"time":"2020-12-30","value":963705000},{"time":"2021-12-30","value":1025893000},{"time":"2022-12-30","value":1059157000},{"time":"2023-12-30","value":996251000}],"Stockholders Equity":[{"time":"2019-12-30","value":-36191000},{"time":"2020-12-30","value":-26429000},{"time":"2021-12-30","value":556278000},{"time":"2022-12-30","value":579091000},{"time":"2023-12-30","value":508247000}],"ROE":[{"time":"2019-12-30","value":1.2175402724434252},{"time":"2020-12-30","value":0.9557682848386242},{"time":"2021-12-30","value":-0.05561967217829934},{"time":"2022-12-30","value":0.002234536540889083},{"time":"2023-12-30","value":-0.08369749354152607}],"ROA":[{"time":"2020-12-30","value":0.047304932526032344},{"time":"2021-12-30","value":0.03670460759552897},{"time":"2022-12-30","value":0.026991277025030284},{"time":"2023-12-30","value":0.01559145235487844}]}

MeridianLink, Inc., a software and services company, provides software solutions for banks, credit unions, mortgage lenders, specialty lending providers, and consumer reporting agencies in the United States. The company offers MeridianLink One, a multi-product platform that can be tailored to meet the needs of customers as they digitally transform their organizations and adapt to changing business and consumer demands; MeridianLink Portal, a Point of Sale system that allows financial institutions to expand existing lending and deposit account; MeridianLink Opening, a cloud-based online account opening and deposit software solution; MeridianLink Consumer, a full loan solution suite to banks and credit unions; and MeridianLink DecisionLender, a loan origination software (LOS) for finance companies. It also provides MeridianLink Engage, an end-to-end consumer lending, account, and card marketing automation solution; MeridianLink Mortgage, a cloud-based software designed for financial professionals to optimize the end-to-end mortgage loan origination process; MeridianLink Collect, a web-based debt collection software; Mortgage Credit Link, a web-based order fulfillment hub; and MeridianLink Business, a cloud-based platform that offers business lending solutions for banks and credit unions, as well as MeridianLink Insight, a business intelligence tool. In addition, the company provides solutions, including end-to-end platform, loan origination system, mortgage loan origination system, deposit account opening, data and reporting, collections, and consulting and analysis, as well as data verification software solutions. MeridianLink, Inc. was founded in 1998 and is headquartered in Costa Mesa, California.

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Growth

%

%

Discount

%

%

Multiple

g\r+10%+11%+12%+13%+14%
0%109887
+1%1110988
+2%13111098
+3%141311109
+4%1714121110
Years012345678910TV
FCF$67.02M$62M$57.35M$53.06M$49.08M$45.4M$42M$38.85M$35.94M$33.25M$30.76M$307.6M
DCF$53.91M$43.37M$34.88M$28.06M$22.57M$18.16M$14.61M$11.75M$9.451M$7.602M$76.02M
Value$320.4M

In the chart Earnings are multiplied by this value.

Earnings Growth -98%
Earnings Stability -28%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201912-202012-202112-202212-2023TTM
Net Margin-29%-13%-12%0.45%-14%-14%
ROA-4.7%3.7%2.7%1.6%1.6%
ROE120%96%-5.6%0.22%-8.4%-8.4%

What is the average Net Margin?

The average Net Margin over the past 5 years is -14.01%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is -.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +1.56%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is -.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is -8.37%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is -.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201912-202012-202112-202212-2023TTM
Debt FCF-8.474.915.936.436.43
Debt Equity--20.290.790.750.850.85
MIN
Graham Stability------

What is the Debt/FCF?

The Debt/FCF trailing twelve month is 6.43.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is -.

What is the Graham’s Stability?

Graham’s Stability measure stands at -.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-202012-2022Trend
Revenue15%5.4%-10%
Net Income---
Stockholders Equity--12%-16%
FCF1.9%-8.8%-81%

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is -.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is -10.2%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is -.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is -.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -16.33%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -81.44%.