Marlin Business Services Corp.
Marlin Business Services Corp. Fundamental Analysis
Marlin Business Services Corp. (MRLN) shows weak financial fundamentals with a PE ratio of 814.32, profit margin of 0.33%, and ROE of 0.17%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -16.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MRLN's fundamental strength across five key dimensions:
Efficiency Score
WeakMRLN struggles to generate sufficient returns from assets.
Valuation Score
WeakMRLN trades at a premium to fair value.
Growth Score
WeakMRLN faces weak or negative growth trends.
Financial Health Score
ExcellentMRLN maintains a strong and stable balance sheet.
Profitability Score
WeakMRLN struggles to sustain strong margins.
Key Financial Metrics
Is MRLN Expensive or Cheap?
P/E Ratio
MRLN trades at 814.32 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, MRLN's PEG of 8.14 indicates potential overvaluation.
Price to Book
The market values Marlin Business Services Corp. at 1.42 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.95 times EBITDA. This is generally considered low.
How Well Does MRLN Make Money?
Net Profit Margin
For every $100 in sales, Marlin Business Services Corp. keeps $0.33 as profit after all expenses.
Operating Margin
Core operations generate 16.37 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.17 in profit for every $100 of shareholder equity.
ROA
Marlin Business Services Corp. generates $0.03 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $-27.70 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
814.32
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
8.14
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.42
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.20
vs 25 benchmark
Current Ratio
Current assets to current liabilities
35.64
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.002
vs 25 benchmark
ROA
Return on assets percentage
0.00
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How MRLN Stacks Against Its Sector Peers
| Metric | MRLN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 814.32 | 18.86 | Worse (Expensive) |
| ROE | 0.17% | 847.00% | Weak |
| Net Margin | 0.33% | 4202.00% | Weak |
| Debt/Equity | 0.20 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 35.64 | 667.17 | Strong Liquidity |
| ROA | 0.03% | -21543.00% (disorted) | Weak |
MRLN outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Marlin Business Services Corp.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical