Marlin Business Services Corporation (MRLN)
Common Stock
Overall MRLN gets a fundamental rating of 1 out of 10. We evaluated MRLN against 102 industry peers in the Financial Services industry. MRLN has a bad profitability rating. Also its financial health evaluation is rather negative. MRLN has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
MRLN had positive earnings in the past year.
1.2 Ratios
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.55% | ||
| ROE | 17.6% | ||
| ROIC | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MRLN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for MRLN has been reduced compared to 1 year ago.
Compared to 1 year ago, MRLN has an improved debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 0.05 indicates that MRLN is not too dependend on debt financing.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for MRLN have decreased strongly by -94.55% in the last year.
Measured over the past years, MRLN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -39.08% on average per year.
Looking at the last year, MRLN shows a very negative growth in Revenue. The Revenue has decreased by -25.99% in the last year.
Measured over the past years, MRLN shows a small growth in Revenue. The Revenue has been growing by 4.75% on average per year.
EPS 1Y (TTM)-94.55%
EPS 3Y-56.32%
EPS 5Y-39.08%
EPS growth Q2Q74.07%
Revenue 1Y (TTM)-25.99%
Revenue growth 3Y0.36%
Revenue growth 5Y4.75%
Revenue growth Q2Q-21.89%
3.2 Future
The Earnings Per Share is expected to grow by 107.57% on average over the next years. This is a very strong growth
Based on estimates for the next years, MRLN will show a very negative growth in Revenue. The Revenue will decrease by -13.52% on average per year.
EPS Next Y-1481.19%
EPS Next 2Y-321.76%
EPS Next 3Y107.57%
EPS Next 5YN/A
Revenue Next Year-12.77%
Revenue Next 2Y-11.9%
Revenue Next 3Y-13.52%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
MRLN is valuated quite expensively with a Price/Earnings ratio of 195.75.
MRLN is valuated expensively when we compare the Price/Earnings ratio to 28.15, which is the current average of the S&P500 Index.
The Forward Price/Earnings Ratio is negative for MRLN. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 195.75 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 1.03 |
4.3 Compensation for Growth
A more expensive valuation may be justified as MRLN's earnings are expected to grow with 107.57% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-321.76%
EPS Next 3Y107.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.38%, MRLN has a reasonable but not impressive dividend return.
Compared to an average S&P500 Dividend Yield of 2.34, MRLN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
5.2 History
MRLN has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
18.12% of the earnings are spent on dividend by MRLN. This is a low number and sustainable payout ratio.
DP18.12%
EPS Next 2Y-321.76%
EPS Next 3Y107.57%
Marlin Business Services Corporation
NASDAQ:MRLN (1/19/2022, 7:31:05 PM)
After market: 23.49 0 (0%)23.49
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap282.50M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 195.75 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.55% | ||
| ROE | 17.6% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 45.84% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-94.55%
EPS 3Y-56.32%
EPS 5Y
EPS growth Q2Q
EPS Next Y-1481.19%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-25.99%
Revenue growth 3Y0.36%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y