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.

At a Glance

Live Snapshot
Market Cap$1.48B
EPS-0.3900
P/E Ratio-52.90
Earnings Date05/11/2026
3Y-13.0%
5Y+257.0%
10Y+257.0%
3Y-94.0%
5Y+24.0%
10Y+24.0%
3Y-153.0%
5Y-218.0%
10Y-218.0%
MLNK

MeridianLink, Inc. Cash Conversion Engine

MLNK ยท NYSE
Net Income-29.77M
Depreciation & Amortization58.25M
Stock-Based Compensation51.35M
Change in Working Capital-8.09M
Others5.59M
Capital Expenditures-367.00K
Free Cash Flow77.44M

Cash Flow Quality Analysis

FCF Conversion Rate

-260.1%

Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.

CapEx Intensity

0.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+34.0%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$8.09M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

MeridianLink, Inc. Cash Flow Statement

MLNK โ€ข NYSE

MeridianLink, Inc. Cash Flow StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 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

SEC Filings

MLNK - Filing history and reports

No SEC filings available for MLNK