Meridianlink Inc
NYSE:MLNK

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Meridianlink Inc
NYSE:MLNK
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Price: 23.068 USD -0.1%
Market Cap: 1.7B USD
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Intrinsic Value

The intrinsic value of one MLNK stock under the Base Case scenario is 19.823 USD. Compared to the current market price of 23.068 USD, Meridianlink Inc is Overvalued by 14%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

MLNK Intrinsic Value
19.823 USD
Overvaluation 14%
Intrinsic Value
Price
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Base Case
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Meridianlink Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Meridianlink Inc

Current Assets 140.3m
Cash & Short-Term Investments 93m
Receivables 40.5m
Other Current Assets 6.7m
Non-Current Assets 846.7m
PP&E 3.5m
Intangibles 836.6m
Other Non-Current Assets 6.6m
Current Liabilities 68.7m
Accounts Payable 6m
Accrued Liabilities 29.4m
Other Current Liabilities 33.3m
Non-Current Liabilities 478.7m
Long-Term Debt 467.1m
Other Non-Current Liabilities 11.6m
Efficiency

Earnings Waterfall
Meridianlink Inc

Revenue
307.6m USD
Cost of Revenue
-106.3m USD
Gross Profit
201.3m USD
Operating Expenses
-182.5m USD
Operating Income
18.8m USD
Other Expenses
-65.4m USD
Net Income
-46.6m USD

Free Cash Flow Analysis
Meridianlink Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q2 2024, MeridianLink achieved GAAP revenue of $78.7 million, representing a 4% year-over-year growth, and an adjusted EBITDA of $31.8 million or 40% margin, showing a 17% increase. The company ended the quarter with $93 million in cash. Key drivers included strong demand for its end-to-end lending platform, MeridianLink One, and disciplined cost management. For Q3, the company forecasts revenue between $78 million and $81 million and for the full year 2024, expects revenue between $312 million and $318 million, indicating a potential growth of 3% to 5%. Adjusted EBITDA for 2024 is projected between $123 million and $128 million.

What is Earnings Call?
Fundamental Scores

MLNK Profitability Score
Profitability Due Diligence

Meridianlink Inc's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Positive Free Cash Flow
Positive Gross Profit
Positive 3-Years Revenue Growth
Positive Revenue Growth Forecast
50/100
Profitability
Score

Meridianlink Inc's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

MLNK Solvency Score
Solvency Due Diligence

Meridianlink Inc's solvency score is 36/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Average D/E
Low Altman Z-Score
36/100
Solvency
Score

Meridianlink Inc's solvency score is 36/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

MLNK Price Targets Summary
Meridianlink Inc

Wall Street analysts forecast MLNK stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for MLNK is 22.61 USD with a low forecast of 18.18 USD and a high forecast of 27.3 USD.

Lowest
Price Target
18.18 USD
21% Downside
Average
Price Target
22.61 USD
2% Downside
Highest
Price Target
27.3 USD
18% Upside
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Dividends

Meridianlink Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for MLNK is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Ownership

MLNK Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Meridianlink Inc Logo
Meridianlink Inc

Country

United States of America

Industry

Technology

Market Cap

1.7B USD

Dividend Yield

0%

Description

MeridianLink, Inc. operates as a holding company, which engages in the provision of cloud-based digital solutions. The company is headquartered in Costa Mesa, California and currently employs 622 full-time employees. The company went IPO on 2021-07-28. The firm provides cloud-based digital solutions that transform the ways in which financial services providers engage with account holders and end users. The company sells its solutions to financial institutions, including banks, credit unions, mortgage lenders, specialty lending providers, and consumer reporting agencies. The firm delivers its solutions to its customers using a software-as-a-service (SaaS) model under which its customers pay subscription fees for the use of the Company’s solutions. Its solutions allow its customers to meet their clients’ financial needs across the institution, client acquisition and retention. Its solutions offers for consumer lending, including mortgage, credit card, personal, auto, home equity, and small business loans, and provide the software tools and data necessary to deliver automated decisioning. The company offers consulting and training services for the software solutions.

Contact

CALIFORNIA
Costa Mesa
3560 Hyland Ave Ste 200
+18664173274.0
www.meridianlink.com

IPO

2021-07-28

Employees

622

Officers

CEO & Director
Mr. Nicolaas Vlok
Chief Strategy Officer
Mr. Timothy Nguyen
President of Go-to-Market
Mr. Chris Maloof
President & Director
Mr. Larry Katz
Chief Financial Officer
Mr. Elias Olmeta
Chief Technology Officer
Mr. Nathaniel Barnes
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Senior Director of Investor Relations & Strategic Initiatives
Gianna Rotellini
General Counsel & Secretary
Ms. Kayla Dailey
Chief Sales Officer
Mr. Richard Scheig
Chief Marketing Officer
Mr. Suresh Balasubramanian
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See Also

Discover More
What is the Intrinsic Value of one MLNK stock?

The intrinsic value of one MLNK stock under the Base Case scenario is 19.823 USD.

Is MLNK stock undervalued or overvalued?

Compared to the current market price of 23.068 USD, Meridianlink Inc is Overvalued by 14%.

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