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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
93% of the 1266 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.28 vs. MRLN: No Debt )
MRLN' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: No Debt

Equity to Asset 0.23
MRLN's Equity to Asset is ranked higher than
96% of the 1651 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. MRLN: 0.23 )
MRLN' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.35
Current: 0.23

0.01
0.35
Interest Coverage 5.72
MRLN's Interest Coverage is ranked higher than
93% of the 1508 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.25 vs. MRLN: 5.72 )
MRLN' s 10-Year Interest Coverage Range
Min: 0.05   Max: 5.72
Current: 5.72

0.05
5.72
F-Score: 4
Z-Score: 0.64
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 (%) 32.86
MRLN's Operating margin (%) is ranked higher than
79% of the 1652 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.46 vs. MRLN: 32.86 )
MRLN' s 10-Year Operating margin (%) Range
Min: -13.39   Max: 93.79
Current: 32.86

-13.39
93.79
Net-margin (%) 20.51
MRLN's Net-margin (%) is ranked higher than
73% of the 1671 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.71 vs. MRLN: 20.51 )
MRLN' s 10-Year Net-margin (%) Range
Min: -8.34   Max: 195.31
Current: 20.51

-8.34
195.31
ROE (%) 9.96
MRLN's ROE (%) is ranked higher than
82% of the 1674 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.17 vs. MRLN: 9.96 )
MRLN' s 10-Year ROE (%) Range
Min: -3.55   Max: 301.35
Current: 9.96

-3.55
301.35
ROA (%) 2.31
MRLN's ROA (%) is ranked higher than
96% of the 1674 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.75 vs. MRLN: 2.31 )
MRLN' s 10-Year ROA (%) Range
Min: -0.66   Max: 2.5
Current: 2.31

-0.66
2.5
ROC (Joel Greenblatt) (%) 1147.90
MRLN's ROC (Joel Greenblatt) (%) is ranked higher than
99% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 73.28 vs. MRLN: 1147.90 )
MRLN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -283.38   Max: 1147.9
Current: 1147.9

-283.38
1147.9
Revenue Growth (%) 14.10
MRLN's Revenue Growth (%) is ranked higher than
94% of the 1452 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.00 vs. MRLN: 14.10 )
MRLN' s 10-Year Revenue Growth (%) Range
Min: -20.4   Max: 301.4
Current: 14.1

-20.4
301.4
EBITDA Growth (%) 34.30
MRLN's EBITDA Growth (%) is ranked higher than
94% of the 1307 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.70 vs. MRLN: 34.30 )
MRLN' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 75.2
Current: 34.3

0
75.2
EPS Growth (%) 40.40
MRLN's EPS Growth (%) is ranked higher than
94% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.10 vs. MRLN: 40.40 )
MRLN' s 10-Year EPS Growth (%) Range
Min: -62.6   Max: 142
Current: 40.4

-62.6
142
» MRLN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

MRLN Guru Trades in Q3 2013

Columbia Wanger 1,207,000 sh (unchged)
Jim Simons 171,900 sh (-1.26%)
» More
Q4 2013

MRLN Guru Trades in Q4 2013

Jim Simons 177,000 sh (+2.97%)
Columbia Wanger 1,207,000 sh (unchged)
» More
Q1 2014

MRLN Guru Trades in Q1 2014

Jim Simons 191,930 sh (+8.44%)
Columbia Wanger 1,207,000 sh (unchged)
» More
Q2 2014

MRLN Guru Trades in Q2 2014

Jim Simons 214,543 sh (+11.78%)
Columbia Wanger 1,207,000 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2012-06-30 Sold Out 0.29%$13.64 - $15.7 $ 19.7836%0
Michael Price 2012-03-31 Reduce -64.6%0.5%$12.66 - $15.97 $ 19.7846%133044
Michael Price 2011-12-31 Reduce -29.42%0.3%$9.77 - $13.35 $ 19.7864%375790
Premium More recent guru trades are included for Premium Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.40
MRLN's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.40 vs. MRLN: 14.40 )
MRLN' s 10-Year P/E(ttm) Range
Min: 3.25   Max: 132.93
Current: 14.4

3.25
132.93
P/B 1.52
MRLN's P/B is ranked higher than
55% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. MRLN: 1.52 )
MRLN' s 10-Year P/B Range
Min: 0.11   Max: 2.77
Current: 1.52

0.11
2.77
P/S 3.00
MRLN's P/S is ranked higher than
64% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.11 vs. MRLN: 3.00 )
MRLN' s 10-Year P/S Range
Min: 0.23   Max: 4.7
Current: 3

0.23
4.7
EV-to-EBIT 5.52
MRLN's EV-to-EBIT is ranked higher than
95% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.74 vs. MRLN: 5.52 )
MRLN' s 10-Year EV-to-EBIT Range
Min: 4.1   Max: 288.5
Current: 5.52

4.1
288.5
PEG 0.25
MRLN's PEG is ranked higher than
97% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 9999.00 vs. MRLN: 0.25 )
MRLN' s 10-Year PEG Range
Min: 0.87   Max: 1.21
Current: 0.25

0.87
1.21
Shiller P/E 36.33
MRLN's Shiller P/E is ranked higher than
64% of the 1833 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.55 vs. MRLN: 36.33 )
MRLN' s 10-Year Shiller P/E Range
Min: 1.14   Max: 62.71
Current: 36.33

1.14
62.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.30
MRLN's Dividend Yield is ranked lower than
52% of the 1413 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.42 vs. MRLN: 2.30 )
MRLN' s 10-Year Dividend Yield Range
Min: 0.38   Max: 2.44
Current: 2.3

0.38
2.44
Dividend Payout 0.31
MRLN's Dividend Payout is ranked higher than
74% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.48 vs. MRLN: 0.31 )
MRLN' s 10-Year Dividend Payout Range
Min: 0.26   Max: 0.46
Current: 0.31

0.26
0.46
Yield on cost (5-Year) 2.30
MRLN's Yield on cost (5-Year) is ranked lower than
55% of the 1426 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.64 vs. MRLN: 2.30 )
MRLN' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 2.44
Current: 2.3

0.38
2.44
Share Buyback Rate -1.50
MRLN's Share Buyback Rate is ranked higher than
74% of the 1240 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.00 vs. MRLN: -1.50 )
MRLN' s 10-Year Share Buyback Rate Range
Min: 13.6   Max: -53.8
Current: -1.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
MRLN's Price/Tangible Book is ranked higher than
67% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.42 vs. MRLN: 1.52 )
MRLN' s 10-Year Price/Tangible Book Range
Min: 0.22   Max: 2.59
Current: 1.52

0.22
2.59
Price/Median PS Value 0.98
MRLN's Price/Median PS Value is ranked higher than
85% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.13 vs. MRLN: 0.98 )
MRLN' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 1.44
Current: 0.98

0.17
1.44
Price/Graham Number 0.98
MRLN's Price/Graham Number is ranked higher than
75% of the 1834 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. MRLN: 0.98 )
MRLN' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 2.33
Current: 0.98

0.42
2.33
Earnings Yield (Greenblatt) 18.10
MRLN's Earnings Yield (Greenblatt) is ranked higher than
93% of the 1606 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.90 vs. MRLN: 18.10 )
MRLN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 24.4
Current: 18.1

0.3
24.4
Forward Rate of Return (Yacktman) -50.21
MRLN's Forward Rate of Return (Yacktman) is ranked lower than
55% of the 1309 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.11 vs. MRLN: -50.21 )
MRLN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1862.8   Max: -27.8
Current: -50.21

-1862.8
-27.8

Business Description

Industry: Banks » Specialty Finance
Compare:HKXCY, WU, ASXFY, CIT, KFN » details
Marlin Business Services Corporation 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
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 
Marlin Business Services Corp. (MRLN) CEO Daniel P Dyer sells 3,701 Shares Sep 27 2010 

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Marlin Business Services Corp. Board of Directors Authorizes $15 Million Stock Repurchase Program Jul 29 2014
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Marlin Business appoints George F. Coburn as Chief Lending Officer May 22 2014
MARLIN BUSINESS SERVICES CORP Files SEC form 10-Q, Quarterly Report May 02 2014
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MARLIN BUSINESS SERVICES CORP Files SEC form 8-K, Shareholder Director Nominations, Other Events Apr 09 2014
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