MLNK - NYSE

MeridianLink, Inc.

MeridianLink, Inc.

MLNKยทNYSE

$20.01

+0.0000%
TechnologySoftware - Application

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$1.48B
EPS-0.3900
P/E Ratio-52.90
Earnings Date05/11/2026
MeridianLink, Inc.

MeridianLink, Inc. Fair Value Envelope

MLNK ยท NYSE

Our analysis suggests that MLNK has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $20.01, this represents a potential HIDDEN relative to our calculated worth for MeridianLink, Inc..

HIDDEN
Intrinsic Value
Current Price: $20.01

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$14.5B
+ Cash & Equivalents$92.8M
Firm Value$14.6B
- Debt$469.3M
Equity Value$14.1B
/ Shares Outstanding74,115,541B
DCF Value$191
UNDERVALUED BY 854%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$104.3M
$139.8M
$187.4M
$251.1M
$336.6M
$451.2M
$604.8M
$810.6M
$1.1B
$1.5B
Maintenance CapEx
-$98.4K
-$131.9K
-$176.8K
-$236.9K
-$317.6K
-$425.7K
-$570.5K
-$764.7K
-$1.0M
-$1.4M
Owner Earnings
$104.2M
$139.6M
$187.2M
$250.9M
$336.3M
$450.8M
$604.2M
$809.8M
$1.1B
$1.5B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$96.5M
$119.7M
$148.6M
$184.4M
$228.9M
$284.1M
$352.5M
$437.5M
$543.0M
$673.9M
Terminal Value represents 78.9% of Enterprise Value

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