Marlin Business Services Corporation (MRLN) Stock Fundamental Analysis

NASDAQ:MRLN

23.49
0 (0%)
At close: Jan 19, 2022
23.49
0 (0%)
After Hours: 1/19/2022, 8:31:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

Taking everything into account, MRLN scores 1 out of 10 in our fundamental rating. MRLN was compared to 96 industry peers in the Financial Services industry. MRLN may be in some trouble as it scores bad on both profitability and health. MRLN has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • In the past year MRLN was profitable.
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 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 2016 2017 2018 2019 2020 5 10

1.3 Margins

  • MRLN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2016 2017 2018 2019 2020 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
MRLN Yearly Shares OutstandingMRLN Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.2 Solvency

  • MRLN has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for MRLN have decreased strongly by -94.55% in the last year.
  • The earnings per share for MRLN have been decreasing by -39.08% on average. This is quite bad
  • 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 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.
  • 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

  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MRLN Yearly Revenue VS EstimatesMRLN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1 -1 2

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 195.75 indicates a quite expensive valuation of MRLN.
  • When comparing the Price/Earnings ratio of MRLN to the average of the S&P500 Index (27.67), we can say MRLN is valued expensively.
  • MRLN is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
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

  • MRLN's earnings are expected to grow with 107.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-321.76%
EPS Next 3Y107.57%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

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 a higher than the S&P500 average which is at 1.80.
Industry RankSector 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
MRLN Yearly Dividends per shareMRLN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 0.1 0.2 0.3 0.4 0.5

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%
MRLN Yearly Income VS Free CF VS DividendMRLN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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
Earnings (Next)03-01
Inst Owners0.03%
Inst Owner Change0%
Ins Owners12.58%
Ins Owner Change0%
Market Cap282.50M
Revenue(TTM)82.64M
Net Income(TTM)37.89M
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
Graham NumberN/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
ROICexgc growth 3Y0%
ROICexgc 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

Marlin Business Services Corporation / MRLN FAQ

What is the fundamental rating for MRLN stock?

ChartMill assigns a fundamental rating of 4 / 10 to MRLN.


Can you provide the valuation status for Marlin Business Services Corporation?

ChartMill assigns a valuation rating of 2 / 10 to Marlin Business Services Corporation (MRLN). This can be considered as Overvalued.


Can you provide the profitability details for Marlin Business Services Corporation?

Marlin Business Services Corporation (MRLN) has a profitability rating of 6 / 10.


What is the financial health of Marlin Business Services Corporation (MRLN) stock?

The financial health rating of Marlin Business Services Corporation (MRLN) is 3 / 10.


What is the expected EPS growth for Marlin Business Services Corporation (MRLN) stock?

The Earnings per Share (EPS) of Marlin Business Services Corporation (MRLN) is expected to decline by -1481.19% in the next year.