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Upturn AI SWOT - About
MLNK 
Meridianlink Inc (MLNK)
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Upturn Advisory Summary
10/15/2025: 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 -23.97% | Avg. Invested days 38 | 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio - | 1Y Target Price 20 |
Price to earnings Ratio - | 1Y Target Price 20 | ||
Volume (30-day avg) 8 | Beta 0.92 | 52 Weeks Range 15.49 - 25.22 | Updated Date 10/17/2025 |
52 Weeks Range 15.49 - 25.22 | Updated Date 10/17/2025 | ||
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 - | When - | Estimate - | Actual - |
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 2500 | Enterprise Value 1848003209 | Price to Sales(TTM) 4.55 |
Enterprise Value 1848003209 | Price to Sales(TTM) 4.55 | ||
Enterprise Value to Revenue 5.67 | Enterprise Value to EBITDA 24.93 | Shares Outstanding 73810843 | Shares Floating 23698320 |
Shares Outstanding 73810843 | Shares Floating 23698320 | ||
Percent Insiders 19.46 | Percent Institutions 81.4 |
Upturn AI SWOT
Meridianlink Inc
Company Overview
History and Background
MeridianLink, Inc. was founded in 1998 and is a provider of cloud-based software solutions for financial institutions, including banks, credit unions, and mortgage lenders. It streamlines loan origination and account opening processes.
Core Business Areas
- Mortgage Lending: Provides software to automate and streamline the mortgage loan origination process.
- Consumer Lending: Offers solutions for consumer loan origination, including auto loans, personal loans, and credit cards.
- Account Opening: Provides tools to streamline the account opening process for banks and credit unions.
- Data and Analytics: Provides data analytics and reporting to improve efficiency and decision-making.
Leadership and Structure
The company is led by its Chief Executive Officer. The organizational structure consists of departments for technology, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- MeridianLink Loan Origination System (LOS): A cloud-based platform automating mortgage, consumer, and commercial lending. Market share is estimated to be in the top 3, but specific numbers are proprietary. Competitors include Black Knight, ICE Mortgage Technology (Ellie Mae), and Finastra.
- MeridianLink Consumer: Designed for consumer lending. Competitors include Fiserv, Jack Henry & Associates, and Temenos.
- Opening Act: MeridianLink's platform for the retail banking market, which allows consumers to quickly and simply open accounts online and on mobile devices. Competitors include Backbase and nCino.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry is experiencing significant growth driven by digital transformation, increasing customer expectations, and regulatory changes. The market is competitive, with numerous vendors offering similar solutions.
Positioning
MeridianLink is positioned as a leading provider of cloud-based lending and account opening solutions for financial institutions. Its competitive advantages include its comprehensive platform, industry expertise, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for lending and account opening software is estimated to be billions of dollars annually. MeridianLink is positioned to capture a significant share of this market through its comprehensive product offerings.
Upturn SWOT Analysis
Strengths
- Cloud-based platform
- Comprehensive product suite
- Strong industry expertise
- Established customer base
- Scalable architecture
Weaknesses
- Dependence on financial institution spending
- Competition from larger players
- Integration complexity with legacy systems
- High customer acquisition cost
- Pricing strategy
Opportunities
- Expanding product offerings
- Acquiring smaller competitors
- Partnerships with other FinTech companies
- Geographic expansion
- Increasing adoption of cloud-based solutions
Threats
- Economic downturn
- Increased competition
- Cybersecurity threats
- Regulatory changes
- Technological obsolescence
Competitors and Market Share
Key Competitors
- Black Knight (BKI)
- ICE Mortgage Technology (ICE)
- Fiserv (FISV)
- Jack Henry & Associates (JKHY)
Competitive Landscape
MeridianLink's advantages include its comprehensive platform and industry expertise. Disadvantages include its smaller size and limited resources compared to larger competitors.
Major Acquisitions
StreetShares
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Enhanced their digital lending footprint and added expertise in the small business lending market.
Growth Trajectory and Initiatives
Historical Growth: Growth is driven by increased adoption of cloud-based solutions and expansion into new markets.
Future Projections: Requires analysis of analyst estimates and company guidance.
Recent Initiatives: Includes new product launches, acquisitions, and partnerships.
Summary
MeridianLink is a strong player in the cloud-based lending software market, offering a comprehensive platform and established customer base. They face competition from larger companies and need to continue innovating to maintain their position. Strategic acquisitions and partnerships will be important for future growth, and economic downturns could pose a significant risk. Overall, the company is reasonably positioned for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications
- Earnings Calls Transcripts
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market data is dynamic, and the information provided is 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 | President, CEO & Director Mr. Laurence E Katz | ||
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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