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Upturn AI SWOT - About
Meridianlink Inc (MLNK)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
8 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $19.08
1 Year Target Price $19.08
| 1 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.84% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.25B USD | Price to earnings Ratio - | 1Y Target Price 19.08 |
Price to earnings Ratio - | 1Y Target Price 19.08 | ||
Volume (30-day avg) 8 | Beta 0.93 | 52 Weeks Range 15.49 - 25.33 | Updated Date 06/30/2025 |
52 Weeks Range 15.49 - 25.33 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-06-06 | When After Market | Estimate 0.1113 | Actual 0.09 |
Profitability
Profit Margin -9.11% | Operating Margin (TTM) 7.45% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) -6.49% |
Valuation
Trailing PE - | Forward PE 434.78 | Enterprise Value 1593116195 | Price to Sales(TTM) 3.92 |
Enterprise Value 1593116195 | Price to Sales(TTM) 3.92 | ||
Enterprise Value to Revenue 4.98 | Enterprise Value to EBITDA 23.32 | Shares Outstanding 77190400 | Shares Floating 38519559 |
Shares Outstanding 77190400 | Shares Floating 38519559 | ||
Percent Insiders 19.18 | Percent Institutions 79.44 |
Analyst Ratings
Rating 3 | Target Price 19.08 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 4 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Meridianlink Inc
Company Overview
History and Background
MeridianLink, Inc. was founded in 1998. It provides cloud-based software solutions for financial institutions, primarily focused on consumer lending and mortgage origination workflows. The company has grown through organic expansion and acquisitions, establishing itself as a key player in its niche.
Core Business Areas
- Origination: Offers software platforms that automate the lending process for mortgages, consumer loans, and other credit products.
- Servicing: Provides solutions for managing and servicing loan portfolios, including collections, loss mitigation, and compliance.
- Data & Analytics: Offers data and analytics tools to help financial institutions make better lending decisions and manage risk.
Leadership and Structure
MeridianLink is led by its CEO, Nicolaas Vlok. The company has a board of directors overseeing corporate governance and strategic direction. The organizational structure includes departments for product development, sales, marketing, customer support, and finance.
Top Products and Market Share
Key Offerings
- LoansPQ: A multi-channel loan origination system (LOS) designed for banks and credit unions. It automates loan applications, underwriting, and closing processes. While precise market share data is unavailable, LoansPQ competes with other LOS providers like Ellie Mae's Encompass and Black Knight's Empower. Some claim that it supports around 33,000 users.
- MortgageQB: An end-to-end mortgage LOS targeting smaller lenders. It provides a streamlined workflow for mortgage origination. Market share data is not readily available, but it competes with products such as Calyx Point and Byte Software.
- MeridianLink Consumer: This consumer lending platform offers a unified origination experience for various loan types. No specific market share is available, but competitors include Blend and Roostify.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry is experiencing substantial growth, driven by increasing demand for digital solutions in lending and banking. Key trends include cloud adoption, automation, and data-driven decision-making.
Positioning
MeridianLink is positioned as a leading provider of cloud-based software solutions for financial institutions. Its competitive advantages include its integrated platform, deep industry expertise, and focus on regulatory compliance.
Total Addressable Market (TAM)
The TAM for lending technology is estimated to be in the billions of dollars. MeridianLink is positioned to capture a significant portion of this market through its comprehensive product offerings and established customer base.
Upturn SWOT Analysis
Strengths
- Strong market position in the lending technology space
- Comprehensive and integrated product suite
- Deep industry expertise
- Cloud-based platform
- Focus on regulatory compliance
Weaknesses
- Reliance on the financial services industry
- Competition from larger and more diversified technology companies
- Potential for integration challenges with acquired companies
- Slower revenue growth compared to high-growth tech companies
Opportunities
- Expansion into new markets and geographies
- Development of new products and services
- Acquisition of complementary technologies and companies
- Increasing adoption of cloud-based solutions in the financial services industry
Threats
- Economic downturns and fluctuations in the financial services industry
- Increasing competition from new and existing players
- Rapid technological changes
- Cybersecurity threats and data breaches
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Jack Henry & Associates (JKHY)
- Black Knight (BKI)
Competitive Landscape
MeridianLink has certain advantages, like a focused product suite for niche financial institutions. However, its disadvantages compared to larger competitors include its smaller size and fewer resources. Key competitors have wider product offerings.
Major Acquisitions
Aperture Group
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded MeridianLink's data and analytics capabilities.
Growth Trajectory and Initiatives
Historical Growth: Meridianlink Inc.'s historical growth has been driven by organic expansion and acquisitions. The company has consistently grown its revenue and customer base over the past several years.
Future Projections: Analyst estimates for Meridianlink Inc.'s future growth vary, but generally project continued revenue growth and profitability. Factors influencing future growth include market trends, competition, and the company's ability to execute its strategic initiatives.
Recent Initiatives: Recent initiatives undertaken by Meridianlink Inc. include product development, acquisitions, and strategic partnerships.
Summary
Meridianlink Inc. is a solid player in the lending technology market with a strong product suite and focus on regulatory compliance. While it faces competition from larger, more diversified companies, its deep industry expertise and cloud-based platform position it for continued growth. The company should focus on expanding into new markets, capitalizing on the increasing adoption of cloud solutions, and carefully managing its integration of acquired companies. A potential risk to the company is the dependence on the financial services industry's overall health.
Peer Comparison
Sources and Disclaimers
Data Sources:
- MeridianLink Investor Relations
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Analyst estimates are 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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