XNYSMLNK
Market cap1.53bUSD
Jan 03, Last price
20.31USD
1D
-0.05%
1Q
-1.55%
IPO
-17.27%
Name
Meridianlink Inc
Chart & Performance
P/E
—
P/S
5.05
EPS
—
Div Yield, %
0.00%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
304m
+5.41%
Net income
-43m
L
CFO
68m
-8.88%
Earnings
Jun 06, 2025
Profile
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. 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. MeridianLink, Inc. was founded in 1998 and is headquartered in Costa Mesa, California.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 303,617 5.41% | 288,046 7.61% | |||
Cost of revenue | 284,463 | 255,230 | |||
Unusual Expense (Income) | |||||
NOPBT | 19,154 | 32,816 | |||
NOPBT Margin | 6.31% | 11.39% | |||
Operating Taxes | 23,943 | 4,130 | |||
Tax Rate | 125.00% | 12.59% | |||
NOPAT | (4,789) | 28,686 | |||
Net income | (42,539) -3,387.40% | 1,294 -112.95% | |||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | (61,171) | (3,164) | |||
BB yield | 3.07% | 0.28% | |||
| Debt | |||||
Debt current | 4,315 | 3,505 | |||
Long-term debt | 421,281 | 424,627 | |||
Deferred revenue | 792 | 1,141 | |||
Other long-term liabilities | 37 | (32,836) | |||
Net debt | 345,155 | 372,352 | |||
| Cash flow | |||||
Cash from operating activities | 67,964 | 74,587 | |||
CAPEX | (943) | (9,364) | |||
Cash from investing activities | 20,133 | (124,331) | |||
Cash from financing activities | (63,436) | (8,121) | |||
FCF | 18,822 | 6,587 | |||
| Balance | |||||
Cash | 80,441 | 55,780 | |||
Long term investments | |||||
Excess cash | 65,260 | 41,378 | |||
Stockholders' equity | (146,387) | (42,305) | |||
Invested Capital | 1,080,286 | 1,012,038 | |||
ROIC | 2.80% | ||||
ROCE | 2.03% | 3.27% | |||
| EV | |||||
Common stock shares outstanding | 80,350 | 82,404 | |||
Price | 24.77 80.41% | 13.73 -36.38% | |||
Market cap | 1,990,267 75.91% | 1,131,403 -34.25% | |||
EV | 2,335,422 | 1,503,755 | |||
EBITDA | 76,983 | 86,798 | |||
EV/EBITDA | 30.34 | 17.32 | |||
Interest | 38,158 | 24,227 | |||
Interest/NOPBT | 199.22% | 73.83% | |||