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Upturn AI SWOT - About
Meridianlink Inc (MLNK)
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Upturn Advisory Summary
08/14/2025: MLNK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $20
1 Year Target Price $20
| 1 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.77% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.47B USD | Price to earnings Ratio - | 1Y Target Price 20 |
Price to earnings Ratio - | 1Y Target Price 20 | ||
Volume (30-day avg) 8 | Beta 0.91 | 52 Weeks Range 15.49 - 25.33 | Updated Date 08/15/2025 |
52 Weeks Range 15.49 - 25.33 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-11 | When - | Estimate 0.1 | Actual -0.04 |
Profitability
Profit Margin -6.9% | Operating Margin (TTM) 6.5% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) -5.41% |
Valuation
Trailing PE - | Forward PE 434.78 | Enterprise Value 1841291487 | Price to Sales(TTM) 4.5 |
Enterprise Value 1841291487 | Price to Sales(TTM) 4.5 | ||
Enterprise Value to Revenue 5.65 | Enterprise Value to EBITDA 24.84 | Shares Outstanding 73993800 | Shares Floating 36941194 |
Shares Outstanding 73993800 | Shares Floating 36941194 | ||
Percent Insiders 19.87 | Percent Institutions 81.38 |
Upturn AI SWOT
Meridianlink Inc
Company Overview
History and Background
Meridianlink Inc. was founded in 1998. Initially focused on providing software solutions for credit unions, it expanded its offerings to serve a wider range of financial institutions. Over time, it has grown through organic growth and acquisitions to become a leading provider of multi-channel loan origination software.
Core Business Areas
- Loan Origination Software: Provides cloud-based software solutions that enable banks, credit unions, and other financial institutions to streamline the loan origination process for mortgages, consumer loans, and other financial products.
- Mortgage Loan Origination: Offers solutions specifically designed for mortgage lenders, supporting the entire mortgage loan lifecycle.
- Consumer Lending: Provides platforms designed for consumer loan origination to assist with automation and simplification of loan process.
- Data and Analytics: Offers data and analytics solutions to help financial institutions make better decisions and improve their lending performance.
Leadership and Structure
The company is led by a CEO and has a structured organizational chart with various departments including sales, marketing, product development, and finance. Executive leadership includes Elena Travers, the CEO of the company.
Top Products and Market Share
Key Offerings
- MeridianLink Consumer: A consumer loan origination system (LOS) platform that offers automation and flexibility. Competitors include Blend, Fiserv, and Jack Henry. Revenue details not publicly available.
- MeridianLink Mortgage: A mortgage loan origination system to help lenders simplify their mortgage processes. Competitors include ICE Mortgage Technology (Encompass), Black Knight (Empower), and Ellie Mae. Revenue details not publicly available.
- MLX OPEN: An open Application Programming Interface (API) platform that enables data sharing and integrations. Market share data not publicly available. Competitors are nCino and Finastra
Market Dynamics
Industry Overview
The financial technology (FinTech) industry is rapidly evolving, with increased demand for digital lending solutions and automation. The market is competitive, with established players and new entrants vying for market share.
Positioning
Meridianlink Inc is positioned as a leading provider of cloud-based loan origination software for financial institutions. Its competitive advantages include its comprehensive product suite, industry expertise, and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for lending software is estimated to be in the billions of dollars. Meridianlink is well-positioned to capture a significant share of this market with its comprehensive platform and established customer base.
Upturn SWOT Analysis
Strengths
- Comprehensive product suite
- Cloud-based platform
- Industry expertise
- Strong customer relationships
- Scalable Business Model
Weaknesses
- Dependence on the financial services industry
- Integration complexities with legacy systems
- Limited international presence
Opportunities
- Expansion into new markets
- Acquisition of complementary technologies
- Increased adoption of digital lending solutions
- Further Development in AI
Threats
- Increased competition
- Changing regulatory landscape
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ICE Mortgage Technology (ICE)
- Black Knight (BKI)
- Blend Labs (BLND)
- Fiserv (FI)
- Jack Henry & Associates (JKHY)
- nCino (NCNO)
Competitive Landscape
Meridianlink competes with larger, more established players in the loan origination software market. It differentiates itself through its focus on providing a comprehensive, cloud-based platform.
Major Acquisitions
Actium
- Year: 2020
- Acquisition Price (USD millions): 30
- Strategic Rationale: Expanded Meridianlink's data and analytics capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by increased demand for digital lending solutions and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued adoption of digital lending and further expansion into new markets.
Recent Initiatives: Recent initiatives include product enhancements, strategic partnerships, and expansion into new geographies.
Summary
Meridianlink Inc. is a leading loan origination software provider with a solid position in the financial services industry. Its cloud-based platform and comprehensive product suite are significant strengths. However, increased competition and the reliance on the financial services sector pose challenges. Expansion into new markets and further product development are vital for sustained growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary.
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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