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Marlin Business Services Corporation (MRLN) Stock Fundamental Analysis

NASDAQ:MRLN - Nasdaq - Common Stock

23.49  0 (0%)

After market: 23.49 0 (0%)

Fundamental Rating

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Taking everything into account, MRLN scores 1 out of 10 in our fundamental rating. MRLN was compared to 101 industry peers in the Financial Services industry. Both the profitability and financial health of MRLN have multiple concerns. MRLN does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

MRLN had positive earnings in the past year.
MRLN Yearly Net Income VS EBIT VS OCF VS FCFMRLN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 -200M -400M -600M

1.2 Ratios

Industry RankSector 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
MRLN Yearly ROA, ROE, ROICMRLN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 5 10

1.3 Margins

The Operating Margin and Gross Margin are not available for MRLN so they could not be analyzed.
Industry RankSector 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
MRLN Yearly Profit, Operating, Gross MarginsMRLN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 20 40 60 80

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2. Health

2.1 Basic Checks

Compared to 1 year ago, MRLN has less shares outstanding
The debt/assets ratio for MRLN has been reduced compared to a year ago.
MRLN Yearly Shares OutstandingMRLN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2M 4M 6M 8M 10M
MRLN Yearly Total Debt VS Total AssetsMRLN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.2 Solvency

A Debt/Equity ratio of 0.05 indicates that MRLN is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
MRLN Yearly LT Debt VS Equity VS FCFMRLN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 0 200M -200M -400M -600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

MRLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -94.55%.
MRLN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -39.08% yearly.
MRLN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.99%.
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 Q2Q%74.07%
Revenue 1Y (TTM)-25.99%
Revenue growth 3Y0.36%
Revenue growth 5Y4.75%
Sales Q2Q%-21.89%

3.2 Future

Based on estimates for the next years, MRLN will show a very strong growth in Earnings Per Share. The EPS will grow by 107.57% on average per year.
The Revenue is expected to decrease by -13.52% on average over the next years. This is quite bad
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MRLN Yearly Revenue VS EstimatesMRLN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
MRLN Yearly EPS VS EstimatesMRLN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1 -1 2

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 195.75, which means the current valuation is very expensive for MRLN.
MRLN is valuated expensively when we compare the Price/Earnings ratio to 26.93, 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 RankSector Rank
PE 195.75
Fwd PE N/A
MRLN Price Earnings VS Forward Price EarningsMRLN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100 150

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.03
MRLN Per share dataMRLN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

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%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.38%, MRLN has a reasonable but not impressive dividend return.
MRLN's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.38%

5.2 History

MRLN has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0%
Div Incr YearsN/A
Div Non Decr YearsN/A
MRLN Yearly Dividends per shareMRLN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

MRLN pays out 18.12% of its income as dividend. This is a sustainable payout ratio.
DP18.12%
EPS Next 2Y-321.76%
EPS Next 3Y107.57%
MRLN Yearly Income VS Free CF VS DividendMRLN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 0 -200M -400M -600M
MRLN Dividend Payout.MRLN Dividend Payout, showing the Payout Ratio.MRLN Dividend Payout.PayoutRetained Earnings

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Marlin Business Services Corporation

NASDAQ:MRLN (1/19/2022, 8:31:05 PM)

After market: 23.49 0 (0%)

23.49

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)03-01 2022-03-01/amc
Inst Owners0.03%
Inst Owner Change0%
Ins Owners12.58%
Ins Owner Change0%
Market Cap282.50M
Analysts82.86
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.38%
Yearly Dividend0.56
Dividend Growth(5Y)0%
DP18.12%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 195.75
Fwd PE N/A
P/S 3.42
P/FCF N/A
P/OCF N/A
P/B 1.31
P/tB N/A
EV/EBITDA 1.03
EPS(TTM)0.12
EY0.51%
EPS(NY)-1.89
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS6.87
BVpS17.9
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.55%
ROE 17.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 45.84%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-94.55%
EPS 3Y-56.32%
EPS 5Y-39.08%
EPS Q2Q%74.07%
EPS Next Y-1481.19%
EPS Next 2Y-321.76%
EPS Next 3Y107.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-25.99%
Revenue growth 3Y0.36%
Revenue growth 5Y4.75%
Sales Q2Q%-21.89%
Revenue Next Year-12.77%
Revenue Next 2Y-11.9%
Revenue Next 3Y-13.52%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A