Marlin Business Services Corp. provides credit products and services to small and mid-sized businesses in the United States. More Details
Flawless balance sheet and slightly overvalued.
Share Price & News
How has Marlin Business Services's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MRLN is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: MRLN's weekly volatility has decreased from 16% to 10% over the past year.
7 Day Return
US Diversified Financial
1 Year Return
US Diversified Financial
Return vs Industry: MRLN underperformed the US Diversified Financial industry which returned 3.8% over the past year.
Return vs Market: MRLN underperformed the US Market which returned 21% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Marlin Business Services's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StHow Much Is Marlin Business Services' (NASDAQ:MRLN) CEO Getting Paid?
1 month ago | Simply Wall StIs Marlin Business Services Corp.'s (NASDAQ:MRLN) 7.3% Dividend Sustainable?
Is Marlin Business Services undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: MRLN ($10.94) is trading below our estimate of fair value ($33.45)
Significantly Below Fair Value: MRLN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: MRLN is unprofitable, so we can't compare its PE Ratio to the US Diversified Financial industry average.
PE vs Market: MRLN is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MRLN's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: MRLN's PB Ratio (0.7x) is in line with the US Diversified Financial industry average.
How is Marlin Business Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Marlin Business Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine Marlin Business Services's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- Explore growth companies in the Diversified Financials industry.
How has Marlin Business Services performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MRLN is currently unprofitable.
Growing Profit Margin: MRLN is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: MRLN is unprofitable, and losses have increased over the past 5 years at a rate of 4.3% per year.
Accelerating Growth: Unable to compare MRLN's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: MRLN is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (40.8%).
Return on Equity
High ROE: MRLN has a negative Return on Equity (-3.59%), as it is currently unprofitable.
How is Marlin Business Services's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: MRLN's Assets to Equity ratio (6.1x) is low.
Allowance for Bad Loans: MRLN has a sufficient allowance for bad loans (732%).
Low Risk Liabilities: 89% of MRLN's liabilities are made up of primarily low risk sources of funding.
Loan Level: MRLN has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: MRLN's Loans to Deposits ratio (103%) is appropriate.
Level of Bad Loans: MRLN has an appropriate level of bad loans (0.9%).
What is Marlin Business Services's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MRLN's dividend (5.12%) is higher than the bottom 25% of dividend payers in the US market (1.5%).
High Dividend: MRLN's dividend (5.12%) is in the top 25% of dividend payers in the US market (4.18%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, MRLN has been paying a dividend for less than 10 years.
Growing Dividend: MRLN's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: MRLN is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jeff Hilzinger (62 yo)
Mr. Jeffrey A. Hilzinger, also known as Jeff, has been the Chief Executive Officer and President of Marlin Business Services Corp. since June 1, 2016. Mr. Hilzinger has commercial finance experience, inclu...
CEO Compensation Analysis
Compensation vs Market: Jeff's total compensation ($USD1.91M) is above average for companies of similar size in the US market ($USD561.31K).
Compensation vs Earnings: Jeff's compensation has increased whilst the company is unprofitable.
|Senior VP & CFO||1.75yrs||US$847.08k||0.050% |
|Senior VP & COO||no data||US$558.17k||0.14% |
|Chief Risk Officer & Senior VP||no data||US$742.49k||0.031% |
|Senior VP & Chief Information Officer||no data||no data||0.047% |
|Senior VP||0.83yr||no data||0.021% |
|Chief Sales Officer||3.08yrs||no data||no data|
|Chief Human Resources Officer & Senior VP||3.33yrs||no data||0.0094% |
|Senior Vice President||3.5yrs||no data||no data|
|Chief Strategy Officer||0.42yr||no data||0.0085% |
|Director of Sales Training||no data||no data||no data|
|Vice President of Indirect Funding Platform (IFP) & Alliance Development||5.25yrs||no data||no data|
Experienced Management: MRLN's management team is considered experienced (3.2 years average tenure).
|Independent Chairman of the Board||6.42yrs||US$176.49k||2.61% |
|Independent Director||12.58yrs||US$129.49k||0.51% |
|Independent Director||22.75yrs||US$136.99k||0.68% |
|Independent Director||17yrs||US$134.99k||0.44% |
|Independent Director||10.5yrs||US$125.49k||0.32% |
|Independent Director||5.58yrs||US$109.99k||0.17% |
Experienced Board: MRLN's board of directors are seasoned and experienced ( 10.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: MRLN insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Marlin Business Services Corp.'s company bio, employee growth, exchange listings and data sources
- Name: Marlin Business Services Corp.
- Ticker: MRLN
- Exchange: NasdaqGS
- Founded: 1997
- Industry: Specialized Finance
- Sector: Diversified Financials
- Market Cap: US$122.865m
- Shares outstanding: 11.83m
- Website: https://marlincapitalsolutions.com
Number of Employees
- Marlin Business Services Corp.
- 300 Fellowship Road
- Mount Laurel
- New Jersey
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MRLN||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Nov 2003|
|MBM||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Nov 2003|
Marlin Business Services Corp. provides credit products and services to small and mid-sized businesses in the United States. The company’s products and services include loans and leases for the acquisition...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/12/01 23:07|
|End of Day Share Price||2020/12/01 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.