$20.01
+0.0000%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.
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
MLNK โข NYSE
| MeridianLink, Inc. Cash Flow Statement | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||
-29.8M | -42.5M | 1.3M | -10M | 9.2M | -12.6M | |
58.3M | 57.8M | 54M | 50.5M | 40.2M | 38.6M | |
464K | 23.6M | 1.9M | 4.9M | 1.6M | -5.2M | |
51.4M | 30.6M | 22.8M | 30.7M | 2.8M | 1.8M | |
5.6M | 2M | 3.3M | 14.3M | 12.4M | 3.3M | |
(690K) | (2.5M) | (1.3M) | (306K) | (137K) | (130K) | |
-8.1M | -3.5M | -8.6M | -552K | 1.4M | -4.1M | |
77.8M | 68M | 74.6M | 89.8M | 67.5M | 21.8M | |
INVESTING ACTIVITIES | ||||||
-367K | -943K | -9.4M | -5.7M | -7.3M | -6M | |
(0.0) | (326K) | -85M | -120.6M | -108.1M | (0.0) | |
-7.1M | 20.8M | -30M | 0.0 | 0.0 | 0.0 | |
-7.5M | (20.1M) | -124.3M | -126.3M | -115.4M | -6M | |
FINANCING ACTIVITIES | ||||||
-104.8M | -61.2M | -3.4M | 245.4M | -3.2M | -2.4M | |
45.3M | -4.4M | -6.5M | -96.3M | -6.3M | 65.5M | |
(0.0) | (0.0) | (0.0) | -12K | -136K | -22K | |
-104.8M | -61.2M | -3.4M | -2M | -3.1M | -2.4M | |
1.5M | 2.1M | -206K | -38.9M | -1.3M | -13.9M | |
-58M | -63.4M | -8.1M | 110.2M | -10M | 49.2M | |
CASH FLOW SUMMARY | ||||||
12.3M | 24.7M | -57.9M | 73.8M | -57.9M | 65M | |
80.4M | 55.8M | 113.6M | 39.9M | 97.8M | 32.8M | |
92.8M | 80.4M | 55.8M | 113.6M | 39.9M | 97.8M | |
77.4M | 57.8M | 65.2M | 84.1M | 60.7M | 15.8M |
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