MLNK - NYSE

MeridianLink, Inc.

MLNK·NYSE

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.48B

EPS-0.3900

P/E Ratio-52.90

Earnings Date05/11/2026

961.33M

Assets

-4%

3Y-6.0%

5Y+11.0%

10Y+11.0%

533.84M

Total Liabilities

3Y+14.0%

5Y-9.0%

10Y-9.0%

427.49M

Total Equity

-16%

3Y-23.0%

5Y-1186.0%

10Y-1186.0%

MeridianLink, Inc. Funding & Solvency Profile

MLNK · NYSE

Current Assets

Cash & Cash Equivalents92.77M

Net Receivables35.04M

Inventory0.00

Other Current Assets4.76M

Total Current Assets138 M

Non-Current Assets

Property, Plant & Equipment3.26M

Goodwill & Intangible Assets811.59M

Long-Term Investments0.00

Other Non-Current Assets8.33M

Total Non-Current Assets12 M

Total Assets

961.33M

Financial Health Analysis

Current Ratio

2.42x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

1.25x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

81 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

MeridianLink, Inc. Balance Sheet

MLNK • NYSE

MeridianLink, Inc. Balance Sheet	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	92.8M	80.4M	55.8M	113.6M	37.7M	97.8M
Cash & Short-Term Investments	92.8M	80.4M	55.8M	113.6M	37.7M	97.8M
Net Receivables	35M	33.4M	32.9M	24.9M	26.5M	19.4M
Accounts Receivables	34.4M	32.4M	29M	24.9M	22.4M	15.3M
Other Receivables	614K	961K	3.9M	0.0	4.1M	4.1M
Inventory	0.0	0.0	30M	0.0	7.5M	3.9M
Prepaids	5.6M	5.8M	6.1M	6.8M	3.1M	3.3M
Other Current Assets	4.8M	4.9M	3.4M	2.6M	-2.7M	-3.1M
Total Current Assets	138.2M	124.4M	128.1M	148M	72.2M	121.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	3.3M	4.5M	6.4M	6M	7.6M	19.3M
Goodwill	610.1M	610.1M	608.7M	564.8M	543M	438.9M
Intangible Assets	201.5M	251.1M	297.5M	298.6M	328M	277.5M
Goodwill & Intangible Assets	811.6M	861.1M	906.1M	863.4M	871M	716.4M
Tax Assets	0.0	0.0	13.9M	4.3M	9.5M	10.8M
Other Non-Current Assets	8.3M	6.2M	4.5M	4.3M	3.5M	1.7M
Total Non-Current Assets	823.2M	871.8M	931M	877.9M	891.5M	748.1M
Total Assets	961.3M	996.3M	1.1B	1B	963.7M	869.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	6.8M	4.4M	1.2M	5.3M	2.3M	1M
Accounts Payable	6.8M	4.4M	1.2M	2.3M	2.3M	1M
Other Payables	0.0	0.0	0.0	2.9M	0.0	0.0
Accrued Expenses	21.5M	15.9M	15.8M	14.8M	12.7M	9.4M
Short Term Debt	3.7M	3.5M	3.5M	2.1M	3M	1.4M
Capital Lease Obligations (Current)	676K	773K	1.2M	233K	0.0	0.0
Tax Payables	3.9M	3.4M	4.6M	2.9M	2.7M	0.0
Deferred Revenue	18M	17.2M	16.9M	14.7M	10.9M	7.8M
Other Current Liabilities	6.4M	14M	15.5M	6.7M	124M	36.4M
Total Current Liabilities	57M	55.8M	54.2M	43.8M	152.8M	56.1M
NON-CURRENT LIABILITIES
Long Term Debt	464.9M	420M	423.4M	425.4M	516.9M	518.9M
Deferred Revenue (Non-Current)	75K	792K	1.1M	-28.2M	-17.9M	-15M
Deferred Tax Liabilities (Non-Current)	11.3M	10.8M	34.2M	28.2M	17.9M	15M
Other Non-Current Liabilities	37K	37K	0.0	396K	543K	620K
Total Non-Current Liabilities	476.8M	432.2M	425.9M	425.8M	517.4M	528.7M
Capital Lease Obligations	676K	773K	1.2M	233K	0.0	9.2M
Total Liabilities	533.8M	488M	480.1M	469.6M	670.2M	584.8M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	322.2M
Preferred Stock	0.0	0.0	0.0	1B	319.9M	320.8M
Common Stock	127K	129K	128K	88K	0.0	1.4M
Additional Paid-In Capital	709.1M	654.6M	621.4M	596.5M	3.9M	1.8M
Retained Earnings	-281.7M	-146.5M	-42.4M	-40.4M	-30.3M	-39.4M
Accumulated Other Comprehensive Income/Loss	0.0	0.0	0.0	-1B	0.0	-361.5M
Total Stockholders' Equity	427.5M	508.2M	579.1M	556.3M	293.5M	-39.4M
Total Equity	427.5M	508.2M	579.1M	556.3M	293.5M	-39.4M
SUMMARY
Total Liabilities & Equity	961.3M	996.3M	1.1B	1B	963.7M	584.8M
Total Debt	469.3M	424.8M	426.9M	427.5M	519.8M	529.4M
Net Debt	376.5M	344.4M	371.1M	313.9M	482.1M	431.7M
Shares Outstanding	74,115,541	74,115,541	74,115,541	74,115,541	74,115,541	74,115,541

SEC Filings

MLNK - Filing history and reports

No SEC filings available for MLNK

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