Marlin Business Services (MRLN) stock price, revenue, and financials

Marlin Business Services market cap is $279.7 m, and annual revenue was $5.72 m in FY 2020

$279.7 M

MRLN Mkt cap, 31-Dec-2021

$5.7 M

Marlin Business Services Revenue FY, 2020
Marlin Business Services Net income (FY, 2020)342 K
Marlin Business Services Cash, 31-Dec-2020135.7 M
Marlin Business Services EV152.7 M
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Marlin Business Services Income Statement

Annual

USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Revenue

5.7m6.0m6.6m88.8m89.8m100.0m15.8m44.0m5.7m

Revenue growth, %

1%11%

Sales and marketing expense

31.9m37.6m

General and administrative expense

13.0m13.5m14.7m19.5m28.3m24.9m32.6m30.9m

Operating expense total

13.0m13.5m14.7m51.4m65.8m24.9m32.6m30.9m

Interest expense

11.4m6.9m4.5m7.8m11.2m17.4m25.0m19.9m

Interest income

44.3m53.0m63.7m74.7m87.5m97.0m

Pre tax profit

10.3m18.9m26.0m28.3m23.6m32.7m36.9m(3.1m)

Income tax expense

4.1m7.2m9.8m11.0m(1.7m)7.7m9.7m(3.5m)

Net Income

6.2m11.7m16.2m19.4m16.0m17.3m25.3m25.0m27.1m342.0k

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Revenue

1.3m1.3m1.3m1.4m1.5m1.6m1.6m3.6m20.3m4.0m3.5m10.4m12.2m3.8m4.2m

Sales and marketing expense

6.6m7.2m6.5m6.3m7.0m7.3m7.1m8.2m7.8m7.8m9.4m9.1m10.0m19.6m

General and administrative expense

3.1m3.2m3.3m3.5m3.4m3.5m3.9m3.5m4.2m4.0m3.8m4.1m4.3m4.4m4.5m4.6m5.0m10.2m6.1m6.4m6.6m13.0m5.4m13.4m6.1m6.1m13.6m5.8m4.7m

Operating expense total

3.1m3.2m3.3m3.5m3.4m3.5m3.9m10.1m11.4m10.4m10.1m11.1m11.6m11.4m12.7m12.4m12.8m19.6m15.2m6.4m16.6m32.6m5.4m13.4m6.1m6.1m13.6m5.8m4.7m

Interest expense

3.1m2.7m2.1m1.8m1.5m1.3m1.2m1.0m1.2m1.2m1.3m1.3m1.3m1.4m1.7m1.9m2.1m2.3m2.6m3.0m3.4m7.1m5.0m6.0m6.4m6.6m5.7m5.4m4.7m

Interest income

10.9m11.1m12.1m12.8m13.7m15.1m15.7m16.3m16.7m16.7m16.7m16.5m16.5m16.7m17.5m18.2m18.8m20.5m21.6m22.4m23.3m47.2m24.8m25.9m27.1m

Pre tax profit

2.7m4.9m5.6m6.0m6.9m7.6m7.5m7.9m7.9m6.6m6.8m7.8m6.0m7.2m7.4m2.0m7.3m5.4m7.9m16.4m7.6m6.7m8.1m10.7m(19.3m)(7.3m)3.3m

Income tax expense

933.0k1.2m1.0m1.9m2.2m2.3m2.5m2.9m2.9m2.9m3.0m2.6m2.6m3.0m2.3m2.8m3.0m489.0k2.7m2.0m1.7m3.7m1.7m1.6m2.0m3.3m(7.4m)(1.4m)525.0k

Net Income

1.5m1.8m1.6m3.0m3.4m3.7m4.5m4.7m4.6m4.9m4.9m4.1m4.1m4.8m3.7m4.5m4.3m1.5m4.6m3.3m6.2m12.7m5.9m5.1m6.1m7.4m(11.8m)(5.9m)2.7m

Marlin Business Services Balance Sheet

Annual

USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Cash

42.3m65.0m85.7m110.7m60.1m61.8m67.1m97.2m123.1m135.7m

Accounts Receivable

387.8m503.0m1.0b1.0b

Inventories

PP&E

2.1m2.0m2.3m2.8m3.9m3.5m4.2m4.3m7.9m8.6m

Goodwill

1.2m7.4m6.7m

Total Assets

486.0m602.3m702.2m758.4m773.0m892.2m1.0b1.2b1.2b1.0b

Accounts Payable

14.2m14.4m15.4m697.4m809.3m36.4m34.0m27.7m

Short-term debt

4.0m

Long-term debt

9.7m8.7m

Total Debt

4.0m9.7m8.7m

Total Liabilities

321.9m428.1m729.9m860.5m968.5m992.5m825.6m

Common Stock

128.0k128.0k124.0k121.0k120.0k

Preferred Stock

Additional Paid-in Capital

85.5m87.5m91.7m89.1m81.7m83.5m82.6m83.5m79.7m76.3m

Retained Earnings

78.4m86.6m71.4m84.7m68.4m78.8m97.0m114.9m135.1m119.9m

Total Equity

164.1m174.3m163.0m174.0m150.1m162.3m179.6m198.5m215.0m196.4m

Financial Leverage

3 x3.5 x4.3 x4.4 x5.1 x5.5 x5.8 x5.9 x5.6 x5.2 x

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Cash

51.9m48.3m39.6m49.0m70.0m75.5m85.8m75.8m118.6m98.6m104.2m113.1m90.7m105.2m65.1m78.8m77.6m75.7m77.3m82.9m84.9m99.2m88.4m141.0m139.7m132.5m211.1m211.7m195.1m

Accounts Receivable

354.5m367.0m412.6m443.2m472.1m525.9m556.3m886.4m970.4m1.0b1.1b1.0b970.1m911.0m846.7m

PP&E

2.1m2.2m2.1m2.2m2.1m1.9m2.1m2.5m2.1m2.4m2.6m3.5m4.0m4.0m3.7m3.7m3.6m3.4m4.4m4.3m4.0m3.9m3.9m4.0m4.0m6.3m8.1m8.6m8.4m

Goodwill

1.2m1.2m1.2m1.2m1.2m7.4m6.7m6.7m6.7m

Total Assets

467.2m473.4m512.7m532.5m579.0m639.6m679.5m673.2m741.0m736.2m740.2m769.2m765.0m790.5m801.1m841.8m869.0m944.5m985.1m1.0b1.1b1.1b1.1b1.2b1.3b1.2b1.3b1.2b1.1b

Accounts Payable

477.4m538.2m531.9m534.6m557.8m554.2m579.6m612.7m650.4m676.9m739.8m780.8m23.8m833.1m863.6m34.6m34.1m32.6m32.3m28.4m24.2m25.5m

Dividends Payable

25.5m

Short-term debt

18.1m11.4m

Long-term debt

9.5m9.2m8.8m

Total Debt

18.1m11.4m9.5m9.2m8.8m

Total Liabilities

305.7m311.0m346.8m364.1m407.5m462.2m498.3m513.2m574.9m567.9m570.1m594.1m588.5m639.1m648.6m686.1m710.3m781.8m820.9m846.7m887.3m923.7m933.2m1.0b1.1b1.0b1.1b1.0b923.6m

Common Stock

129.0k128.0k127.0k127.0k127.0k129.0k129.0k125.0k124.0k123.0k123.0k122.0k119.0k119.0k120.0k

Preferred Stock

Additional Paid-in Capital

86.2m85.2m86.4m86.7m87.4m88.3m89.2m90.6m91.6m90.1m88.5m87.8m86.7m84.0m82.1m82.5m82.9m84.1m82.8m83.4m82.5m83.5m83.3m83.2m82.7m80.2m75.6m75.6m75.9m

Retained Earnings

75.3m77.1m79.3m81.5m83.9m89.0m92.1m69.4m74.6m78.2m81.5m87.2m89.7m67.2m70.3m73.1m75.7m78.6m81.3m82.9m101.4m106.1m110.3m118.3m122.7m128.4m112.7m105.2m106.2m

Total Equity

161.6m162.4m165.8m168.5m171.5m177.4m181.3m166.3m193.5m201.7m205.6m208.8m188.5m181.0m182.4m

Financial Leverage

2.9 x2.9 x3.1 x3.2 x3.4 x3.6 x3.7 x6.1 x5.8 x6.2 x6.2 x6 x6.7 x6.6 x6.1 x

Marlin Business Services Cash Flow

Annual

USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019FY, 2020

Net Income

6.2m11.7m16.2m19.4m16.0m17.3m25.3m25.0m27.1m342.0k

Depreciation and Amortization

2.5m900.0k1.8m1.6m1.7m1.8m3.0m3.1m4.1m3.9m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

16.1m24.9m45.9m32.7m26.6m42.8m52.9m84.4m62.4m60.0m

Purchases of PP&E

1.0m53.0k(858.0k)504.0k(5.6m)(10.0m)

Cash From Investing Activities

(25.3m)(101.0m)(104.9m)(44.1m)(72.6m)(143.7m)(148.8m)(126.9m)(38.0m)117.2m

Short-term Borrowings

(44.3m)(43.3m)

Dividends Paid

(766.0k)(3.6m)(31.4m)(6.1m)(32.2m)(6.9m)(7.0m)(6.9m)(6.9m)(6.7m)

Cash From Financing Activities

14.5m98.7m79.6m36.5m(4.6m)102.5m101.3m86.6m(5.6m)(166.8m)

Net Change in Cash

5.3m22.7m44.1m18.8m10.4m

Interest Paid

10.1m5.6m16.1m23.5m19.5m

Income Taxes Paid

4.5m9.6m(12.6m)2.6m(5.3m)

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020Q3, 2020

Net Income

1.5m1.8m1.6m4.6m8.1m3.7m4.5m4.7m4.6m4.9m4.9m4.1m8.2m13.0m3.7m8.1m12.5m1.5m6.1m9.4m6.2m12.7m18.6m5.1m11.3m18.7m(11.8m)(17.7m)(15.0m)

Depreciation and Amortization

548.0k1.1m1.6m549.0k787.0k1.2m448.0k893.0k1.4m609.0k1.4m2.2m1.0m2.2m2.1m1.2m2.4m3.6m1.1m2.1m3.0m

Accounts Payable

11.2m13.4m12.4m12.1m13.3m11.7m13.8m13.8m20.9m

Cash From Operating Activities

4.5m12.3m19.3m5.8m9.6m23.3m5.9m17.2m25.9m17.7m23.8m39.6m21.7m44.4m61.0m12.5m27.0m44.5m10.2m25.4m45.0m

Purchases of PP&E

(629.0k)(341.0k)253.0k235.0k525.0k947.0k(4.1m)(2.5m)(10.0m)

Cash From Investing Activities

(27.6m)(44.6m)(72.9m)(25.3m)(26.8m)(46.5m)(23.5m)(57.3m)(91.9m)(44.0m)(86.0m)(120.4m)(25.0m)(62.3m)(86.2m)(29.8m)(76.0m)(58.8m)(5.2m)32.6m87.6m

Short-term Borrowings

(9.0m)(20.2m)(31.5m)(10.1m)

Dividends Paid

(760.0k)(1.5m)(2.5m)(1.3m)(3.2m)(5.0m)(1.7m)(3.5m)(5.2m)(1.8m)(3.5m)(5.3m)(1.7m)(3.5m)(5.2m)(1.7m)(3.5m)(5.2m)(1.7m)(3.3m)(5.0m)

Cash From Financing Activities

20.4m39.0m81.4m30.0m(2.8m)17.8m22.6m58.7m83.5m40.3m77.7m102.0m21.1m50.0m56.6m60.3m85.7m43.1m82.5m29.7m(61.7m)

Net Change in Cash

(2.7m)6.7m27.7m10.6m21.2m31.4m42.9m36.7m28.8m87.5m87.8m70.9m

Interest Paid

1.8m3.4m4.5m891.0k7.1m11.3m5.2m11.5m17.6m5.4m11.4m17.3m

Income Taxes Paid

48.0k2.5m4.8m1.5m9.9m(8.1m)1.4m1.4m2.7m1.8m1.9m(5.0m)

Marlin Business Services Ratios

USDQ2, 2011

Financial Leverage

2.9 x

Marlin Business Services Operating Metrics

Marlin Business Services's Total Loans was reported to be $862.7m in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Leases

79 k82 k86 k

Non-accrual Loans

$1.74 m$1.98 m$1.43 m$1.68 m$1.68 m$2.35 m$1.77 m$2.02 m$2.24 m$2.34 m$2.62 m

Small and Medium Business Customers

65 k68 k72 k

Total Loans

$629.51 m$628.02 m$641.08 m$659.25 m$682.43 m$702.13 m$730.75 m$759.42 m$796.72 m$828.84 m$862.7 m

Marlin Business Services Employee Rating

3.342 votes
Culture & Values
3.2
Work/Life Balance
3.4
Senior Management
3.1
Salary & Benefits
3.3
Career Opportunities
3
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