| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 4/6 |
| Past Performance | 0/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
MLNK Stock Overview
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.
Rewards
Risk Analysis
No risks detected for MLNK from our risk checks.
MeridianLink Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$18.52 |
| 52 Week High | US$29.00 |
| 52 Week Low | US$13.81 |
| Beta | 0 |
| 1 Month Change | 3.18% |
| 3 Month Change | 3.58% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -24.72% |
Recent News & Updates
MeridianLink, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year
MeridianLink, Inc. ( NYSE:MLNK ) just released its latest first-quarter results and things are looking bullish. The...
Shareholder Returns
| MLNK | US Software | US Market | |
|---|---|---|---|
| 7D | 16.6% | 9.9% | 6.6% |
| 1Y | n/a | -18.1% | -18.5% |
Return vs Industry: Insufficient data to determine how MLNK performed against the US Software industry.
Return vs Market: Insufficient data to determine how MLNK performed against the US Market.
Price Volatility
| MLNK volatility | |
|---|---|
| MLNK Average Weekly Movement | 7.7% |
| Software Industry Average Movement | 11.1% |
| Market Average Movement | 8.0% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: MLNK is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: MLNK's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1998 | 622 | Nicolaas Vlok | https://www.meridianlink.com |
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 Consumer, a consumer lending and account opening platform; MeridianLink Opening, an online account opening software that unifies deposit account opening and funding for various channels and products; 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 SaaS cloud-based end-to-end loan origination software; MeridianLink Collect, a cloud-based debt collection software; and Mortgage Credit Link, a web-based order fulfillment hub.
MeridianLink Fundamentals Summary
| MLNK fundamental statistics | |
|---|---|
| Market Cap | US$1.49b |
| Earnings (TTM) | -US$21.76m |
| Revenue (TTM) | US$272.62m |
5.5x
P/S Ratio-68.5x
P/E RatioIs MLNK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| MLNK income statement (TTM) | |
|---|---|
| Revenue | US$272.62m |
| Cost of Revenue | US$81.59m |
| Gross Profit | US$191.03m |
| Other Expenses | US$212.79m |
| Earnings | -US$21.76m |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.27 |
| Gross Margin | 70.07% |
| Net Profit Margin | -7.98% |
| Debt/Equity Ratio | 75.4% |
How did MLNK perform over the long term?
See historical performance and comparisonValuation
Is MLNK undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MLNK?
Other financial metrics that can be useful for relative valuation.
| What is MLNK's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$1.49b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 6.5x |
| Enterprise Value/EBITDA | 20.6x |
| PEG Ratio | n/a |
Price to Sales Ratio vs Peers
How does MLNK's PS Ratio compare to its peers?
| MLNK PS Ratio vs Peers |
|---|
| Company | PS | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 5.3x |
Price-To-Sales vs Peers: MLNK is expensive based on its Price-To-Sales Ratio (5.5x) compared to the peer average (5.3x).
Price to Earnings Ratio vs Industry
How does MLNK's PE Ratio compare vs other companies in the U.S. Software Industry?
Price-To-Sales vs Industry: MLNK is expensive based on its Price-To-Sales Ratio (5.5x) compared to the US Software industry average (4.5x)
Price to Sales Ratio vs Fair Ratio
What is MLNK's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PS Ratio | 5.5x |
| Fair PS Ratio | 4.3x |
Price-To-Sales vs Fair Ratio: MLNK is expensive based on its Price-To-Sales Ratio (5.5x) compared to the estimated Fair Price-To-Sales Ratio (4.3x).
Share Price vs Fair Value
What is the Fair Price of MLNK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: MLNK ($18.52) is trading below our estimate of fair value ($25.47)
Significantly Below Fair Value: MLNK is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MLNK's PEG Ratio to determine if it is good value.
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Future Growth
How is MeridianLink forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score
4/6Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
60.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MLNK is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: MLNK is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: MLNK is expected to become profitable in the next 3 years.
Revenue vs Market: MLNK's revenue (10.1% per year) is forecast to grow faster than the US market (8.3% per year).
High Growth Revenue: MLNK's revenue (10.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MLNK's Return on Equity is forecast to be low in 3 years time (8.3%).
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Past Performance
How has MeridianLink performed over the past 5 years?
Past Performance Score
0/6Past Performance Score 0/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-8.8%
Last years earnings growth
Earnings and Revenue History
Quality Earnings: MLNK is currently unprofitable.
Growing Profit Margin: MLNK is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if MLNK's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Unable to compare MLNK's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: MLNK is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (27.1%).
Return on Equity
High ROE: MLNK has a negative Return on Equity (-1.72%), as it is currently unprofitable.
Discover strong past performing companies
Financial Health
How is MeridianLink's financial position?
Financial Health Score
3/6Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: MLNK's short term assets ($188.9M) exceed its short term liabilities ($61.0M).
Long Term Liabilities: MLNK's short term assets ($188.9M) do not cover its long term liabilities ($426.4M).
Debt to Equity History and Analysis
Debt Level: MLNK's net debt to equity ratio (49.5%) is considered high.
Reducing Debt: Insufficient data to determine if MLNK's debt to equity ratio has reduced over the past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable MLNK has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: MLNK is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 46.9% per year.
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Dividend
What is MeridianLink current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate MLNK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate MLNK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if MLNK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if MLNK's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as MLNK has not reported any payouts.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
1.9yrs
Average management tenure
CEO
Nicolaas Vlok (48 yo)
2.75yrs
Tenure
US$17,097,304
Compensation
Mr. Nicolaas Vlok is an Operating Partner at Thoma Bravo, LLC since June 2018. He serves as Director at Cority Software Inc. He is Chief Executive Officer of Project Angel Parent, LLC since April 2021 and...
CEO Compensation Analysis
Compensation vs Market: Nicolaas's total compensation ($USD17.10M) is above average for companies of similar size in the US market ($USD5.50M).
Compensation vs Earnings: Nicolaas's compensation has increased whilst the company is unprofitable.
Leadership Team
Experienced Management: MLNK's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
Board Members
Experienced Board: MLNK's board of directors are considered experienced (4.1 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: MLNK only recently listed within the past 12 months.
Top Shareholders
Company Information
MeridianLink, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: MeridianLink, Inc.
- Ticker: MLNK
- Exchange: NYSE
- Founded: 1998
- Industry: Application Software
- Sector: Software
- Implied Market Cap: US$1.491b
- Shares outstanding: 80.53m
- Website: https://www.meridianlink.com
Number of Employees
Location
- MeridianLink, Inc.
- 3560 Hyland Avenue
- Suite 200
- Costa Mesa
- California
- 92626
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/24 00:00 |
| End of Day Share Price | 2022/06/24 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.