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Upturn AI SWOT - About
Meridianlink Inc (MLNK)
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Upturn Advisory Summary
04/01/2025: MLNK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.69% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.43B USD | Price to earnings Ratio - | 1Y Target Price 20.33 |
Price to earnings Ratio - | 1Y Target Price 20.33 | ||
Volume (30-day avg) 249084 | Beta 1.01 | 52 Weeks Range 16.49 - 25.33 | Updated Date 04/1/2025 |
52 Weeks Range 16.49 - 25.33 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-07 | When - | Estimate 0.0795 | Actual 0.08 |
Profitability
Profit Margin -9.41% | Operating Margin (TTM) 3.69% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) -6.36% |
Valuation
Trailing PE - | Forward PE 434.78 | Enterprise Value 1796394096 | Price to Sales(TTM) 4.51 |
Enterprise Value 1796394096 | Price to Sales(TTM) 4.51 | ||
Enterprise Value to Revenue 5.68 | Enterprise Value to EBITDA 26.49 | Shares Outstanding 76626200 | Shares Floating 26721081 |
Shares Outstanding 76626200 | Shares Floating 26721081 | ||
Percent Insiders 20.36 | Percent Institutions 78.81 |
Analyst Ratings
Rating 3.5 | Target Price 24.92 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 4 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Meridianlink Inc
Company Overview
History and Background
Meridianlink Inc. was founded in 1998 and provides software solutions for banks, credit unions, and mortgage lenders. It has grown through organic expansion and strategic acquisitions, becoming a leading provider of digital lending and account opening platforms.
Core Business Areas
- LendingPlatform: Offers a comprehensive lending platform that automates and streamlines the loan origination process for various loan types.
- MortgagePlatform: Provides solutions specifically tailored to the mortgage lending industry, including point-of-sale, loan origination, and closing tools.
- Consumer Lending: Includes technology solutions to streamline the consumer lending experience.
- Data & Analytics: Offerings include data-driven tools to optimize business practices.
Leadership and Structure
The leadership team consists of the CEO, CFO, CTO, and other key executives. The organizational structure is generally hierarchical with functional departments such as sales, marketing, engineering, and customer support.
Top Products and Market Share
Key Offerings
- Meridianlink Consumer: A cloud-based loan origination system (LOS) for consumer lending. Market share is estimated at approximately 20-25% of the consumer lending LOS market. Competitors include Fiserv, Jack Henry & Associates, and Finastra. Significant revenue is generated from licensing fees and recurring subscription revenue.
- Meridianlink Mortgage: Designed to connect lenders with brokers and realtors. Meridianlink Mortgage is a popular platform for lenders to streamline their mortgage lending operations. Competitors include ICE Mortgage Technology's Encompass and Black Knight's Empower.
- Opening: A platform offering automated account opening solutions for financial institutions. Competitors include Alkami and Q2 Holdings.
Market Dynamics
Industry Overview
The financial technology (Fintech) industry is experiencing rapid growth, driven by the increasing adoption of digital solutions in the banking and lending sectors. Key trends include cloud computing, automation, and data analytics.
Positioning
Meridianlink Inc. is positioned as a leading provider of cloud-based software solutions for financial institutions. Its competitive advantage lies in its comprehensive product suite, deep industry expertise, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for digital lending solutions is estimated at $10 billion. Meridianlink is well-positioned to capture a significant share of this market through its product offerings and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Comprehensive product suite
- Established customer base
- Scalable cloud-based platform
- Experienced management team
Weaknesses
- Reliance on the financial services industry
- Integration challenges with legacy systems
- Limited international presence
- Smaller R&D budget compared to some competitors
- High customer concentration
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Development of innovative new products
- Partnerships with fintech companies
- Growing demand for digital lending solutions
Threats
- Intense competition
- Economic downturns
- Regulatory changes
- Cybersecurity threats
- Rapid technological advancements
Competitors and Market Share
Key Competitors
- FNSR
- JKHY
- FIS
Competitive Landscape
Meridianlink's advantages include its comprehensive product suite and strong customer relationships. Disadvantages include its smaller size and limited international presence compared to larger competitors.
Major Acquisitions
StreetShares
- Year: 2022
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expanded MeridianLink's small business lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Meridianlink Inc. has demonstrated strong revenue growth over the past few years, driven by increased adoption of its digital lending solutions.
Future Projections: Analysts project continued revenue growth in the coming years, driven by the increasing demand for digital lending and account opening solutions. EPS is expected to improve as the company achieves economies of scale.
Recent Initiatives: Recent strategic initiatives include the launch of new products, expansion into new markets, and partnerships with fintech companies.
Summary
Meridianlink is a stable company in a growing market, demonstrated by its steady revenue increase. Losses have decreased more recently with improved profitability. The company needs to watch out for regulatory changes and technological advances. Its reliance on the financial services industry means the company will need to prepare for possible future downturns.
Similar Companies
- FNSR
- JKHY
- FIS
- ALKT
- ONDS
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may vary. Financial data is based on publicly available information and may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Meridianlink Inc
Exchange NYSE | Headquaters Costa Mesa, CA, United States | ||
IPO Launch date 2021-07-27 | CEO & Director Mr. Nicolaas Vlok | ||
Sector Technology | Industry Software - Application | Full time employees 682 | Website https://www.meridianlink.com |
Full time employees 682 | Website https://www.meridianlink.com | ||
MeridianLink, Inc., a software-as-a service 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; and MeridianLink Consumer, a full loan solution suite to banks and credit unions. It also provides MeridianLink Mortgage, a cloud-based software designed for financial professionals to optimize the end-to-end mortgage loan origination process; MeridianLink Collect, a cloud-based debt collection software; and MeridianLink Business that offers functions primarily for business lending, including automated cash flow statement creation, business credit reports, and business risk and identity verification. In addition, the company provides analytics and business intelligence tools through MeridianLink Engage, MeridianLink Consulting, MeridianLink Data Connect, and MeridianLink Insight; Data Verification Software Solutions, a cloud-based order fulfillment hub for bankers and credit officers that includes Mortgage Credit Link, TazCloud, and Credit API products; and offers additional loan origination systems, credit decisioning tools, and solution modules. MeridianLink, Inc. was founded in 1998 and is headquartered in Costa Mesa, California.
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