Stifel maintains Hold on MeridianLink stock, $20 price target

Published 07/03/2025, 16:04
Stifel maintains Hold on MeridianLink stock, $20 price target

On Friday, Stifel analysts reiterated a Hold rating on MeridianLink (NYSE:MLNK) shares, with a steady price target of $20.00. Currently trading at $20.70, the stock sits within the analyst target range of $18-24, according to InvestingPro data. The firm’s analysis followed MeridianLink’s financial results, which surpassed expectations in revenue, adjusted EBITDA, and free cash flow. The company generated $316.3 million in revenue with a robust 71.8% gross margin, while maintaining strong liquidity with a current ratio of 2.42. The better-than-anticipated top-line performance was largely attributed to the non-subscription aspects of the business. For deeper insights into MLNK’s financial health and performance metrics, investors can access the comprehensive Pro Research Report available on InvestingPro.

MeridianLink has reported a consecutive year of record bookings, a testament to the company’s ability to balance net new and cross-sell activities against the challenges in its mortgage-related segment. Despite this success, the mortgage sector continues to experience a year-over-year decline. In response, management has provided an initial outlook for 2025, opting not to give quarterly guidance but instead focusing on the full year, reflecting ongoing trends in the mortgage market.

The company’s 2025 projections include an estimated 18.5% contribution to revenue from the mortgage segment, a cautious forecast considering the current economic uncertainties and interest rate environment. Stifel analysts view this approach as prudent given the circumstances.

In light of MeridianLink’s robust bookings performance, the company’s management plans to make selective investments throughout 2025 to maintain growth momentum. With an overall Financial Health score of "FAIR" from InvestingPro, and analysts expecting profitability this year, Stifel’s continued Hold rating and $20 target price on MeridianLink shares reflect a steady perspective on the company’s stock amidst the present market conditions.

In other recent news, MeridianLink reported its fourth-quarter 2024 earnings, revealing a significant miss on earnings per share (EPS), which came in at -$0.10 against a forecast of $0.08. Despite this, the company achieved a slight revenue beat with $79.4 million compared to the anticipated $78.73 million, marking a 7% year-over-year growth. The company’s full-year revenue reached $316.3 million, up 4% from the previous year. Analysts have been adjusting their expectations in light of these results; Raymond (NSE:RYMD) James lowered its price target for MeridianLink to $24 while maintaining an Outperform rating, and Citi reduced its target to $20, retaining a Neutral stance. The revenue beat was partly driven by a 9% growth in Consumer Loan Origination System (LOS) revenue, with MeridianLink also reporting strong new logo bookings. These bookings were highlighted by a significant win with an $8 billion asset size bank, despite the challenges in the mortgage sector. Furthermore, MeridianLink has announced a share repurchase program of approximately $100 million, which represents about 15% of the current float, indicating a strategic move to support shareholder value.

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