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Also traded in: Germany

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 1088 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 vs. MRLN: No Debt )
Ranked among companies with meaningful Cash to Debt only.
MRLN' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.16 Max: No Debt
Current: No Debt
Equity to Asset 0.19
MRLN's Equity to Asset is ranked higher than
90% of the 1578 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. MRLN: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
MRLN' s Equity to Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.23 Max: 0.35
Current: 0.19
0.01
0.35
Interest Coverage 4.43
MRLN's Interest Coverage is ranked higher than
76% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.82 vs. MRLN: 4.43 )
Ranked among companies with meaningful Interest Coverage only.
MRLN' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.90 Max: 6.3
Current: 4.43
0.05
6.3
F-Score: 5
WACC vs ROIC
9.93%
24.80%
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 (%) 30.01
MRLN's Operating margin (%) is ranked lower than
53% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.86 vs. MRLN: 30.01 )
Ranked among companies with meaningful Operating margin (%) only.
MRLN' s Operating margin (%) Range Over the Past 10 Years
Min: -13.39  Med: 24.89 Max: 37.32
Current: 30.01
-13.39
37.32
Net-margin (%) 18.99
MRLN's Net-margin (%) is ranked lower than
63% of the 1593 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.37 vs. MRLN: 18.99 )
Ranked among companies with meaningful Net-margin (%) only.
MRLN' s Net-margin (%) Range Over the Past 10 Years
Min: -8.34  Med: 15.22 Max: 23.09
Current: 18.99
-8.34
23.09
ROE (%) 9.38
MRLN's ROE (%) is ranked higher than
60% of the 1589 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.01 vs. MRLN: 9.38 )
Ranked among companies with meaningful ROE (%) only.
MRLN' s ROE (%) Range Over the Past 10 Years
Min: -3.52  Med: 7.95 Max: 16.01
Current: 9.38
-3.52
16.01
ROA (%) 2.07
MRLN's ROA (%) is ranked higher than
89% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. MRLN: 2.07 )
Ranked among companies with meaningful ROA (%) only.
MRLN' s ROA (%) Range Over the Past 10 Years
Min: -0.6  Med: 2.12 Max: 2.65
Current: 2.07
-0.6
2.65
Revenue Growth (3Y)(%) 16.30
MRLN's Revenue Growth (3Y)(%) is ranked higher than
87% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -10.75 Max: 235.5
Current: 16.3
0
235.5
EBITDA Growth (3Y)(%) 34.60
MRLN's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1167 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 vs. MRLN: 34.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
MRLN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 75.2
Current: 34.6
0
75.2
EPS Growth (3Y)(%) 42.70
MRLN's EPS Growth (3Y)(%) is ranked higher than
90% of the 1165 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.60 vs. MRLN: 42.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
MRLN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -62.3  Med: 34.15 Max: 142.2
Current: 42.7
-62.3
142.2
» MRLN's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

MRLN Guru Trades in Q3 2015

Chuck Royce 2,200 sh (New)
Columbia Wanger Sold Out
Jim Simons 119,000 sh (-30.01%)
» More
Q4 2015

MRLN Guru Trades in Q4 2015

Chuck Royce Sold Out
Jim Simons 114,800 sh (-3.53%)
» 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) 10.08
MRLN's P/E(ttm) is ranked higher than
60% of the 2255 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.31 vs. MRLN: 10.08 )
Ranked among companies with meaningful P/E(ttm) only.
MRLN' s P/E(ttm) Range Over the Past 10 Years
Min: 3.24  Med: 16.93 Max: 144.29
Current: 10.08
3.24
144.29
Forward P/E 10.95
MRLN's Forward P/E is ranked lower than
68% of the 1347 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.44 vs. MRLN: 10.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.08
MRLN's PE(NRI) is ranked higher than
64% of the 1705 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.34 vs. MRLN: 10.08 )
Ranked among companies with meaningful PE(NRI) only.
MRLN' s PE(NRI) Range Over the Past 10 Years
Min: 3.24  Med: 16.99 Max: 126.25
Current: 10.08
3.24
126.25
P/B 1.14
MRLN's P/B is ranked lower than
63% of the 2306 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.09 vs. MRLN: 1.14 )
Ranked among companies with meaningful P/B only.
MRLN' s P/B Range Over the Past 10 Years
Min: 0.11  Med: 1.18 Max: 2.25
Current: 1.14
0.11
2.25
P/S 2.07
MRLN's P/S is ranked higher than
62% of the 2512 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.48 vs. MRLN: 2.07 )
Ranked among companies with meaningful P/S only.
MRLN' s P/S Range Over the Past 10 Years
Min: 0.21  Med: 2.99 Max: 400.5
Current: 2.07
0.21
400.5
POCF 5.93
MRLN's POCF is ranked higher than
56% of the 1560 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.05 vs. MRLN: 5.93 )
Ranked among companies with meaningful POCF only.
MRLN' s POCF Range Over the Past 10 Years
Min: 0.44  Med: 7.24 Max: 14.97
Current: 5.93
0.44
14.97
EV-to-EBIT 2.80
MRLN's EV-to-EBIT is ranked higher than
96% of the 2210 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.37 vs. MRLN: 2.80 )
Ranked among companies with meaningful EV-to-EBIT only.
MRLN' s EV-to-EBIT Range Over the Past 10 Years
Min: -65.8  Med: 11.50 Max: 287.3
Current: 2.8
-65.8
287.3
EV-to-EBITDA 2.67
MRLN's EV-to-EBITDA is ranked higher than
96% of the 2214 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.19 vs. MRLN: 2.67 )
Ranked among companies with meaningful EV-to-EBITDA only.
MRLN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -96.6  Med: 10.30 Max: 101.8
Current: 2.67
-96.6
101.8
PEG 0.21
MRLN's PEG is ranked higher than
93% of the 653 Companies
in the Global Specialty Finance industry.

( Industry Median: 9999.00 vs. MRLN: 0.21 )
Ranked among companies with meaningful PEG only.
MRLN' s PEG Range Over the Past 10 Years
Min: 0.25  Med: 0.35 Max: 0.42
Current: 0.21
0.25
0.42
Shiller P/E 15.10
MRLN's Shiller P/E is ranked higher than
51% of the 682 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.24 vs. MRLN: 15.10 )
Ranked among companies with meaningful Shiller P/E only.
MRLN' s Shiller P/E Range Over the Past 10 Years
Min: 14.72  Med: 20.81 Max: 30.67
Current: 15.1
14.72
30.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.90
MRLN's Dividend Yield is ranked higher than
62% of the 2412 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.03 vs. MRLN: 3.90 )
Ranked among companies with meaningful Dividend Yield only.
MRLN' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 1.67 Max: 3.94
Current: 3.9
0.38
3.94
Dividend Payout 0.37
MRLN's Dividend Payout is ranked lower than
55% of the 1441 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.34 vs. MRLN: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
MRLN' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.33 Max: 0.46
Current: 0.37
0.26
0.46
Dividend Growth (3y) 98.60
MRLN's Dividend Growth (3y) is ranked higher than
98% of the 730 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.00 vs. MRLN: 98.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
MRLN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 98.6
Current: 98.6
0
98.6
Forward Dividend Yield 4.01
MRLN's Forward Dividend Yield is ranked higher than
65% of the 2191 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.26 vs. MRLN: 4.01 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.91
MRLN's Yield on cost (5-Year) is ranked higher than
55% of the 2446 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.42 vs. MRLN: 3.91 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
MRLN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.38  Med: 1.67 Max: 3.94
Current: 3.91
0.38
3.94
3-Year Average Share Buyback Ratio -1.60
MRLN's 3-Year Average Share Buyback Ratio is ranked higher than
51% of the 1061 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.70 vs. MRLN: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
MRLN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -53.8  Med: -1.30 Max: 13.6
Current: -1.6
-53.8
13.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
MRLN's Price/Tangible Book is ranked higher than
59% of the 2217 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. MRLN: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
MRLN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.22  Med: 1.44 Max: 2.64
Current: 1.15
0.22
2.64
Price/Median PS Value 0.69
MRLN's Price/Median PS Value is ranked higher than
84% of the 2134 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.93 vs. MRLN: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
MRLN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.16  Med: 1.02 Max: 133.5
Current: 0.69
0.16
133.5
Price/Peter Lynch Fair Value 0.40
MRLN's Price/Peter Lynch Fair Value is ranked higher than
82% of the 634 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.82 vs. MRLN: 0.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
MRLN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.31  Med: 0.68 Max: 3.45
Current: 0.4
0.31
3.45
Price/Graham Number 0.76
MRLN's Price/Graham Number is ranked higher than
65% of the 2079 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.77 vs. MRLN: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
MRLN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 1.14 Max: 1.72
Current: 0.76
0.42
1.72
Earnings Yield (Greenblatt) (%) 35.47
MRLN's Earnings Yield (Greenblatt) (%) is ranked higher than
97% of the 1519 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. MRLN: 35.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
MRLN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.3  Med: 6.70 Max: 47.6
Current: 35.47
0.3
47.6
Forward Rate of Return (Yacktman) (%) -134.00
MRLN's Forward Rate of Return (Yacktman) (%) is ranked lower than
99% of the 869 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.65 vs. MRLN: -134.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
MRLN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1857.2  Med: -122.55 Max: -35.6
Current: -134
-1857.2
-35.6

More Statistics

Revenue(Mil) $84
EPS $ 1.25
Beta1.09
Short Percentage of Float2.11%
52-Week Range $12.62 - 21.55
Shares Outstanding(Mil)12.44

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
Columbia Wanger Sells Four Stakes in Portfolio Oct 05 2015 
Jeff Auxier Increases Several Holdings During Second Quarter Sep 16 2015 
Three Stocks With Growing EPS Near 52-Week Lows - Part III Aug 11 2015 
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 

More From Other Websites
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Edited Transcript of MRLN earnings conference call or presentation 3-Nov-15 2:00pm GMT Nov 03 2015
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