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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
MRLN's Cash to Debt is ranked higher than
99% of the 984 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.36 vs. MRLN: No Debt )
Ranked among companies with meaningful Cash to Debt only.
MRLN' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.14 Max: No Debt
Current: No Debt
Equity to Asset 0.23
MRLN's Equity to Asset is ranked higher than
93% of the 1355 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. MRLN: 0.23 )
Ranked among companies with meaningful Equity to Asset only.
MRLN' s 10-Year Equity to Asset Range
Min: 0.15  Med: 0.23 Max: 0.35
Current: 0.23
0.15
0.35
Interest Coverage 6.30
MRLN's Interest Coverage is ranked higher than
85% of the 1272 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. MRLN: 6.30 )
Ranked among companies with meaningful Interest Coverage only.
MRLN' s 10-Year Interest Coverage Range
Min: 0.05  Med: 0.90 Max: 6.3
Current: 6.3
0.05
6.3
F-Score: 5
WACC vs ROIC
12.98%
26.75%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 34.88
MRLN's Operating margin (%) is ranked higher than
62% of the 1425 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.25 vs. MRLN: 34.88 )
Ranked among companies with meaningful Operating margin (%) only.
MRLN' s 10-Year Operating margin (%) Range
Min: -13.39  Med: 29.44 Max: 55.02
Current: 34.88
-13.39
55.02
Net-margin (%) 21.42
MRLN's Net-margin (%) is ranked lower than
52% of the 1425 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.01 vs. MRLN: 21.42 )
Ranked among companies with meaningful Net-margin (%) only.
MRLN' s 10-Year Net-margin (%) Range
Min: -267.68  Med: 18.27 Max: 195.31
Current: 21.42
-267.68
195.31
ROE (%) 9.94
MRLN's ROE (%) is ranked higher than
61% of the 1427 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.44 vs. MRLN: 9.94 )
Ranked among companies with meaningful ROE (%) only.
MRLN' s 10-Year ROE (%) Range
Min: -3.52  Med: 10.22 Max: 1235.68
Current: 9.94
-3.52
1235.68
ROA (%) 2.38
MRLN's ROA (%) is ranked higher than
89% of the 1436 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. MRLN: 2.38 )
Ranked among companies with meaningful ROA (%) only.
MRLN' s 10-Year ROA (%) Range
Min: -0.6  Med: 1.70 Max: 2.65
Current: 2.38
-0.6
2.65
Revenue Growth (3Y)(%) 16.30
MRLN's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1215 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.10 vs. MRLN: 16.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
MRLN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -2.30 Max: 299.4
Current: 16.3
0
299.4
EBITDA Growth (3Y)(%) 34.60
MRLN's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 1072 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.60 vs. MRLN: 34.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MRLN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 75.2
Current: 34.6
0
75.2
EPS Growth (3Y)(%) 43.00
MRLN's EPS Growth (3Y)(%) is ranked higher than
89% of the 1070 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.60 vs. MRLN: 43.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MRLN' s 10-Year EPS Growth (3Y)(%) Range
Min: -62.6  Med: 34.15 Max: 142
Current: 43
-62.6
142
» MRLN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

MRLN Guru Trades in Q3 2014

Columbia Wanger 1,018,210 sh (-15.64%)
Jim Simons 162,300 sh (-24.35%)
» More
Q4 2014

MRLN Guru Trades in Q4 2014

Jim Simons 172,591 sh (+6.34%)
Columbia Wanger 1,014,368 sh (unchged)
Columbia Wanger 1,014,368 sh (-0.38%)
» More
Q1 2015

MRLN Guru Trades in Q1 2015

Jim Simons 175,100 sh (+1.45%)
Columbia Wanger 1,014,368 sh (unchged)
» More
Q2 2015

MRLN Guru Trades in Q2 2015

Jim Simons 170,036 sh (-2.89%)
Columbia Wanger 834,448 sh (-17.74%)
» More
» Details

Insider Trades

Latest Guru Trades with MRLN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 10.00
MRLN's P/E(ttm) is ranked higher than
70% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.10 vs. MRLN: 10.00 )
Ranked among companies with meaningful P/E(ttm) only.
MRLN' s 10-Year P/E(ttm) Range
Min: 3.25  Med: 16.85 Max: 132.93
Current: 10
3.25
132.93
Forward P/E 10.95
MRLN's Forward P/E is ranked higher than
58% of the 714 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.85 vs. MRLN: 10.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.00
MRLN's PE(NRI) is ranked higher than
70% of the 1291 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.20 vs. MRLN: 10.00 )
Ranked among companies with meaningful PE(NRI) only.
MRLN' s 10-Year PE(NRI) Range
Min: 3.24  Med: 16.87 Max: 126.29
Current: 10
3.24
126.29
P/B 0.98
MRLN's P/B is ranked higher than
58% of the 1370 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.06 vs. MRLN: 0.98 )
Ranked among companies with meaningful P/B only.
MRLN' s 10-Year P/B Range
Min: 0.11  Med: 1.39 Max: 2.68
Current: 0.98
0.11
2.68
P/S 2.02
MRLN's P/S is ranked higher than
71% of the 1409 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.86 vs. MRLN: 2.02 )
Ranked among companies with meaningful P/S only.
MRLN' s 10-Year P/S Range
Min: 0.21  Med: 3.15 Max: 400.5
Current: 2.02
0.21
400.5
POCF 5.84
MRLN's POCF is ranked higher than
66% of the 956 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.00 vs. MRLN: 5.84 )
Ranked among companies with meaningful POCF only.
MRLN' s 10-Year POCF Range
Min: 0.44  Med: 6.81 Max: 14.97
Current: 5.84
0.44
14.97
EV-to-EBIT 2.55
MRLN's EV-to-EBIT is ranked higher than
97% of the 1284 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.41 vs. MRLN: 2.55 )
Ranked among companies with meaningful EV-to-EBIT only.
MRLN' s 10-Year EV-to-EBIT Range
Min: -65.4  Med: 14.00 Max: 288.5
Current: 2.55
-65.4
288.5
PEG 0.21
MRLN's PEG is ranked higher than
95% of the 619 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.00 vs. MRLN: 0.21 )
Ranked among companies with meaningful PEG only.
MRLN' s 10-Year PEG Range
Min: 0.28  Med: 0.34 Max: 0.4
Current: 0.21
0.28
0.4
Shiller P/E 14.95
MRLN's Shiller P/E is ranked higher than
55% of the 786 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.81 vs. MRLN: 14.95 )
Ranked among companies with meaningful Shiller P/E only.
MRLN' s 10-Year Shiller P/E Range
Min: 1.14  Med: 18.73 Max: 64.14
Current: 14.95
1.14
64.14
Days Sales Outstanding 26.00
MRLN's Days Sales Outstanding is ranked higher than
67% of the 795 Companies
in the Global Specialty Finance industry.

( Industry Median: 34.20 vs. MRLN: 26.00 )
Ranked among companies with meaningful Days Sales Outstanding only.
MRLN' s 10-Year Days Sales Outstanding Range
Min: 1.41  Med: 2.64 Max: 17.03
Current: 26
1.41
17.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.80
MRLN's Dividend Yield is ranked higher than
71% of the 2258 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.76 vs. MRLN: 3.80 )
Ranked among companies with meaningful Dividend Yield only.
MRLN' s 10-Year Dividend Yield Range
Min: 0.38  Med: 1.56 Max: 3.69
Current: 3.8
0.38
3.69
Dividend Payout 0.36
MRLN's Dividend Payout is ranked lower than
54% of the 1330 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.33 vs. MRLN: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
MRLN' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.33 Max: 0.49
Current: 0.36
0.26
0.49
Dividend growth (3y) 98.60
MRLN's Dividend growth (3y) is ranked higher than
98% of the 674 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. MRLN: 98.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
MRLN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 98.6
Current: 98.6
0
98.6
Yield on cost (5-Year) 3.82
MRLN's Yield on cost (5-Year) is ranked higher than
61% of the 2253 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.23 vs. MRLN: 3.82 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MRLN' s 10-Year Yield on cost (5-Year) Range
Min: 0.38  Med: 1.56 Max: 4.03
Current: 3.82
0.38
4.03
Share Buyback Rate -1.60
MRLN's Share Buyback Rate is ranked higher than
53% of the 1013 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.90 vs. MRLN: -1.60 )
Ranked among companies with meaningful Share Buyback Rate only.
MRLN' s 10-Year Share Buyback Rate Range
Min: 13.6  Med: -1.30 Max: -53.8
Current: -1.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.98
MRLN's Price/Tangible Book is ranked higher than
62% of the 1347 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.13 vs. MRLN: 0.98 )
Ranked among companies with meaningful Price/Tangible Book only.
MRLN' s 10-Year Price/Tangible Book Range
Min: 0.22  Med: 1.47 Max: 2.64
Current: 0.98
0.22
2.64
Price/Median PS Value 0.64
MRLN's Price/Median PS Value is ranked higher than
91% of the 1310 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. MRLN: 0.64 )
Ranked among companies with meaningful Price/Median PS Value only.
MRLN' s 10-Year Price/Median PS Value Range
Min: 0.16  Med: 1.00 Max: 126.47
Current: 0.64
0.16
126.47
Price/Peter Lynch Fair Value 0.40
MRLN's Price/Peter Lynch Fair Value is ranked higher than
89% of the 371 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.91 vs. MRLN: 0.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MRLN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.81 Max: 3.45
Current: 0.4
0.31
3.45
Price/Graham Number 0.65
MRLN's Price/Graham Number is ranked higher than
69% of the 1181 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.82 vs. MRLN: 0.65 )
Ranked among companies with meaningful Price/Graham Number only.
MRLN' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 1.19 Max: 2.83
Current: 0.65
0.42
2.83
Earnings Yield (Greenblatt) (%) 39.20
MRLN's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1408 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.80 vs. MRLN: 39.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MRLN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.3  Med: 4.90 Max: 41.4
Current: 39.2
0.3
41.4
Forward Rate of Return (Yacktman) (%) -141.15
MRLN's Forward Rate of Return (Yacktman) (%) is ranked lower than
99% of the 792 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.82 vs. MRLN: -141.15 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MRLN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1857.2  Med: -125.35 Max: -35.6
Current: -141.15
-1857.2
-35.6

Analyst Estimate

Dec15
EPS($) 1.68
EPS without NRI($) 1.68

Business Description

Industry: Banks » Specialty Finance
Compare:HKXCY, WU, ASXFY, CIT, KFN » details
Traded in other countries:MBM.Germany,
Marlin Business Services Corp is incorporated in the Commonwealth of Pennsylvania on August 5, 2003. The Company is a provider of equipment financing solutions, mainly to small and mid-sized businesses. It finance over 100 categories of commercial equipment important to the typical small and mid-sized business customer, including copiers, security systems, computers and software, telecommunications equipment and certain commercial and industrial equipment. It access its end user customers primarily through origination sources comprised of its existing network of over 10,800 independent commercial equipment dealers and, to a much lesser extent, through direct solicitation of its end user customers and through relationships with select lease brokers. It use both a highly efficient telephonic direct sales model and, for strategic larger accounts, outside sales executives to market to its origination sources. Its typical financing transaction involves a non-cancelable, full-payout lease with payments sufficient to recover the purchase price of the underlying equipment plus an expected profit. It focuses mainly on the segment of the market comprised of the small and mid-size independent equipment dealers. It focus on establishing its relationships with independent equipment dealers to meet their need for high-quality, convenient point-of-sale lease financing programs. It have the capabilities and expertise to service large national accounts through its National Accounts Finance Group which provides dedicated resources focused on exemplary service levels for select national accounts. It provide equipment dealers with the ability to offer its lease financing and related services to their customers as an integrated part of their selling process, providing them with the opportunity to increase their sales and provide better customer service. It competes with a variety of equipment financing sources that are available to small and mid-sized businesses, including: national, regional and local finance companies that provide leases and loan products. The Company's insurance operations are subject to various types of governmental regulation.
» More Articles for MRLN

Headlines

Articles On GuruFocus.com
Three Stocks With Growing EPS Near 52-Week Lows - Part III Aug 11 2015 
comment on MRLN May 27 2013 
comment on MRLN May 27 2013 
Marlin Business Services Corp. Reports Operating Results (10-K) Mar 16 2011 
Marlin Business Services Corp. (MRLN) CFO Lynne C Wilson sells 1,000 Shares Dec 16 2010 
Marlin Business Services Corp. (MRLN) CEO Daniel P Dyer sells 10,640 Shares Oct 08 2010 
Marlin Business Services Corp. (MRLN) CEO Daniel P Dyer sells 10,119 Shares Oct 05 2010 
Marlin Business Services Corp. (MRLN) COO George D Pelose sells 1,307 Shares Sep 30 2010 
Marlin Business Services Corp. (MRLN) CEO Daniel P Dyer sells 1,840 Shares Sep 30 2010 
Marlin Business Services Corp. (MRLN) COO George D Pelose sells 4,686 Shares Sep 27 2010 

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