MeridianLink Inc chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 3.51
Dividend & YieldN/A$ (N/A)
Beta N/A
Market capitalization 1.18B
Operating cash flow 88.06M
ESG Scores unknown

Company description

MeridianLink, Inc., a software and services 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 Consumer, a consumer lending and account opening platform; MeridianLink Opening, an online account opening software that unifies deposit account opening and funding for various channels and products; and MeridianLink DecisionLender, a loan origination software (LOS) for finance companies. It also provides MeridianLink Engage, an end-to-end consumer lending, account, and card marketing automation solution; MeridianLink Mortgage, a SaaS cloud-based end-to-end loan origination software; MeridianLink Collect, a cloud-based debt collection software; and Mortgage Credit Link, a web-based order fulfillment hub. In addition, the company provides solutions, including end-to-end platform, loan origination system, mortgage loan origination system, deposit account opening, data and reporting, collections, and consulting and analysis. MeridianLink, Inc. was founded in 1998 and is headquartered in Costa Mesa, California.

Sector: Technology - Industry: Software—Application

Financial Ratios
Quick Ratio3.37
Working Capital-0.1
Return On Equity-0.02
Debt To Equity0.76
Fixed Asset Ratio0.3
Fixed Interest Cover1.18

Financial data

Financial Statements

Cashflow Statement 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities -5.74M 3.46M 3.95M
Total Cashflows From Investing Activities -6.04M -115.39M -126.3M
Net Borrowings 65.54M -6.34M -96.25M
Total Cash From Financing Activities 49.2M -9.98M 110.23M
Change To Operating Activities 2.94M 515k -6.12M
Issuance Of Stock 249.02M 249.02M 249.02M
Net Income -12.6M 9.15M -10M
Change In Cash 64.96M -57.89M 73.76M
Effect Of Exchange Rate
Total Cash From Operating Activities 21.8M 67.48M 89.83M
Depreciation 38.6M 40.2M 50.45M
Change To Account Receivables -1.28M -3.18M 1.62M
Other Cashflows From Financing Activities -13.94M -423k -40.59M
Change To Netincome -1.89M 15.58M 46.52M
Capital Expenditures -3.35M -4.14M -843k

Income Statement 2019-12-31 2020-12-31 2021-12-31
Research Development 15.33M 18.23M 35.86M
Income Before Tax -17.72M 10.94M -4.86M
Net Income -12.6M 9.15M -10M
Selling General Administrative 69.76M 64.47M 103.75M
Gross Profit 113.18M 149.86M 190.57M
Ebit 20.32M 58.28M 38.44M
Operating Income 20.32M 58.28M 38.44M
Interest Expense -38.05M -34.69M -32.62M
Income Tax Expense -5.12M 1.79M 5.14M
Total Revenue 152.73M 199.34M 267.68M
Cost Of Revenue 39.55M 49.48M 77.1M
Total Other Income ExpenseNet -38.04M -47.34M -43.29M
Net Income From Continuing Ops -12.6M 9.15M -10M
Net Income Applicable To Common Shares -44.06M -25.26M -30.94M

Balance Sheet Statement 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 584.78M 670.22M 469.62M
Total Stockholder Equity -36.19M -26.43M 556.28M
Other Current Liabilities 42.62M 130.12M 19.02M
Total Assets 869.41M 963.71M 1.03B
Common Stock 1.37M 88k
Other Current Assets 1.39M 5.02M 2.65M
Retained Earnings -39.35M -30.34M -40.35M
Treasury Stock
Cash 97.77M 37.74M 113.64M
Total Current Liabilities 56.13M 152.8M 43.85M
Other Stockholder Equity
Property, Plant, and Equipment 19.26M 7.6M 5.99M
Total Current Assets 121.32M 72.17M 147.96M
Net Tangible Assets -752.55M -897.43M -307.12M
Net Receivables 19.44M 26.48M 24.91M
Accounts Payable 1.02M 2.26M 2.33M


Insider Transactions

Here are the insider transactions of stock shares related to MeridianLink Inc:

Filer Name Transaction Text Ownership Date Filer Relation Shares
WILLIAMS DUSTON MStock Award(Grant) at price 0.00 per share.D2022-07-12Director17.35k
ARNOLD ALAN R.Sale at price 16.60 - 17.57 per share.D2022-07-01Chief Operating Officer60.02k
MALOOF CHRISTOPHERStock Award(Grant) at price 0.00 per share.D2022-07-01Officer168.47k
BLITCHOK SEAN WStock Award(Grant) at price 0.00 per share.D2022-07-01Chief Financial Officer227.01k
ARNOLD ALAN R.Sale at price 17.05 - 17.84 per share.D2022-06-29Chief Operating Officer89.98k
LINES JAMES KStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
ZUBER PAUL ANDREWStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
PODDAR REEMAStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
MURPHY PAMStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
ZHENG YAELStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
ROHDE ARTHUR JStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
JANGALAPALLI ANIRUDHStock Award(Grant) at price 0.00 per share.D2022-06-09Director8.6k
MARTIN CHAD HStock Award(Grant) at price 0.00 per share.D2022-05-02Chief Financial Officer110.18k
ARNOLD ALAN R.Stock Award(Grant) at price 0.00 per share.D2022-05-02Chief Operating Officer50.16k
VLOK NICOLAASStock Award(Grant) at price 0.00 per share.D2022-05-02Chief Executive Officer256.42k
ZHENG YAELStock Award(Grant) at price 0.00 per share.D2021-12-30Director14.1k
PODDAR REEMAStock Award(Grant) at price 0.00 per share.D2021-11-03Director12.12k
NGUYEN TIMOTHYSale at price 24.63 per share.I2021-08-30Officer and Director1.18M
ZUBER PAUL ANDREWSale at price 24.63 per share.I2021-07-30Director28k
MARTIN CHAD HSale at price 24.63 per share.D/I2021-07-30Chief Financial Officer63.34k
ARNOLD ALAN R.Sale at price 24.63 per share.D2021-07-30Chief Operating Officer56.45k
ARNOLD ALAN R.Sale at price 24.63 per share.D2021-07-30Chief Operating Officer56.45k
VLOK NICOLAASSale at price 24.63 per share.D/I2021-07-30Chief Executive Officer249.83k
NGUYEN TIMOTHYSale at price 24.63 per share.I2021-07-30Chief Executive Officer1.37M
ARNOLD ALAN R.Purchase at price 24.84 per share.D2021-07-28Chief Operating Officer4
LINES JAMES KD2021-07-27Director11.54k
ZUBER PAUL ANDREWD2021-07-27Director11.54k
MURPHY PAMD2021-07-27Director11.54k
MARTIN CHAD HD2021-07-27Chief Financial Officer51.54k
ARNOLD ALAN R.D2021-07-27Chief Operating Officer36.35k
ROHDE ARTHUR JD2021-07-27Director11.54k
VLOK NICOLAASD2021-07-27Chief Executive Officer85.39k
VLOK NICOLAASConversion of Exercise of derivative security at price 6.06 per share.D2021-07-27Chief Executive Officer136.89k
JANGALAPALLI ANIRUDHD2021-07-27Director11.54k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to MeridianLink Inc. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on MeridianLink Inc

Here is the result of two systematic investment strategies applied to MeridianLink Inc. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on MeridianLink Inc

The following chart shows the equity curve of the two systematic investment strategies applied to MeridianLink Inc:

MeridianLink Inc automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 875.82% on the backtest period.

Performance at glance

Performance

875.82 %

Latent gain

17583.65 $

Invested capital

2007.67 $

Annualized return

211.55 %
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Momentum strategy results on MeridianLink Inc

This is the result of two momentum investment strategies applied to MeridianLink Inc. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on MeridianLink Inc

The following chart shows all the entries opened by the momentum investment system on MeridianLink Inc:

MeridianLink Inc momentum entries
  • The first momentum investment strategy would give 1158.95% of return on MeridianLink Inc. That represents 66642.38$ of latent gain with 5750.22$ of employed capital.
  • The second momentum investment strategy would give 1275.42% of return on MeridianLink Inc. That represents 44587.65$ of latent gain with 3495.91$ of employed capital.
Performance at glance (1Q Momentum)

Performance

1158.95 %

Latent gain

66642.38 $

Invested capital

5750.22 $

Annualized return

632.01 %
Performance at glance (2Q Momentum)

Performance

1275.42 %

Latent gain

44587.65 $

Invested capital

3495.91 $

Annualized return

348.48 %

Momentum equity curve on MeridianLink Inc

The following chart shows the equity curve of the two momentum strategies applied to MeridianLink Inc:

MeridianLink Inc momentum equity

Note: the dividends potentially given by MeridianLink Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on MeridianLink Inc

The following chart shows the employed capital evolution of the two momentum strategies on MeridianLink Inc since the beginning:

MeridianLink Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on MeridianLink Inc

Buy the dip entry openings on MeridianLink Inc

MeridianLink Inc

The performance achieved by the robo-advisor on MeridianLink Inc is 1352.5%. That represents 3375.84$ of latent gain with 249.6$ of employed capital. The following chart shows MeridianLink Inc stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of MeridianLink Inc, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

1352.5 %

Latent gain

3375.84 $

Invested capital

249.6 $

Annualized return

632.01 %

Equity curve of the strategy applied to MeridianLink Inc

The following chart shows the result of the investment strategy applied to MeridianLink Inc:

MeridianLink Inc

Note: the dividends potentially given by MeridianLink Inc are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on MeridianLink Inc

The following chart shows the employed capital evolution since the beginning of the investment strategy on MeridianLink Inc:

MeridianLink Inc

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on MeridianLink Inc

In this section, I will compare the three previous investment strategies applied to MeridianLink Inc.

Equity curve comparison on MeridianLink Inc

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

MeridianLink Inc investment strategy comparison

Employed capital comparison on MeridianLink Inc

MeridianLink Inc investment comparison

Performance comparison on MeridianLink Inc

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 875.82% 17583.65$ 2007.67$ 211.55%
Momentum 1 quarter 1158.95% 66642.38$ 5750.22$ 297.17%
Momentum 2 quarters 1275.42% 44587.65$ 3495.91$ 348.48%
Non-directional 1352.5% 3375.84$ 249.6$ 632.01%
Annualized return comparison

Automatic investment

211.55 %

Momentum 1Q

348.48 %

Momentum 2Q

348.48 %

Non-directional

632.01 %

Correlated stocks

Here are the most positively and negatively correlated stocks with MeridianLink Inc:

Positive correlations

Most correlated stocks this year

  • MeridianLink Inc

  • Most correlated stocks last 3 months

  • MeridianLink Inc
  • LOREAL
  • DuPont de Nemours Inc

  • Negative correlation

    Most negatively correlated stocks this year


    Most negatively correlated stocks last 3 months


    Note: The algorithm computes the probability of correlation between MeridianLink Inc and the other stocks. There may be false positives or some missing correlated stocks. If the price of MeridianLink Inc does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name MeridianLink Inc
    Country United States
    City Costa Mesa
    Address 3560 Hyland Avenue
    Phone 866 417 5130
    Website www.meridianlink.com
    FullTime employees 622
    Industry Software—Application
    Sector Technology
    Exchange XNAS
    Ticker MLNK
    Market www.nasdaq.com

    MeridianLink Inc ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 0
    Peer Environment Performance unknown
    Environment Percentile unknown
    Palm Oil unknown
    Nuclear unknown
    Fur Leather unknown
    GMO unknown
    Coal unknown
    Pesticides unknown
    Animal Testing unknown

    Social scores

    Social ESG Factors Scores
    Social Score 0
    Peer Social Performance unknown
    Social Percentile unknown
    Highest Controversy unknown
    Peer Highest Controversy Performance unknown
    Adult unknown
    Gambling unknown
    Alcoholic unknown
    Tobacco unknown
    Catholic unknown
    Controversial Weapons unknown
    Small Arms unknown
    Military Contract unknown
    Peer Count unknown

    Related Controversy:


    Governance scores

    Governance ESG Factors Scores
    Governance Score 0
    Peer Governance Performance unknown
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: unknown
    Environment Score: 0
    Social Score: 0
    Governance Score: 0

    ESG Performance: unknown

    Peer Group: unknown

    Peer Esg Score Performance: unknown

    Rating Year: unknown

    Rating Month: unknown

    Max Age: unknown

    Percentile: unknown