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Marlin Business Services (Marlin Business Services) Intrinsic Value: Projected FCF : $0.00 (As of May. 05, 2024)


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What is Marlin Business Services Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-05), Marlin Business Services's Intrinsic Value: Projected FCF is $0.00. The stock price of Marlin Business Services is $23.49. Therefore, Marlin Business Services's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for Marlin Business Services's Intrinsic Value: Projected FCF or its related term are showing as below:

MRLN's Price-to-Projected-FCF is not ranked *
in the Credit Services industry.
Industry Median: 0.83
* Ranked among companies with meaningful Price-to-Projected-FCF only.

Marlin Business Services Intrinsic Value: Projected FCF Historical Data

The historical data trend for Marlin Business Services's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Marlin Business Services Intrinsic Value: Projected FCF Chart

Marlin Business Services Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -306.11 -366.27 -391.92 -523.75 -470.72

Marlin Business Services Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -501.73 -470.72 -448.60 -423.45 -398.63

Competitive Comparison of Marlin Business Services's Intrinsic Value: Projected FCF

For the Credit Services subindustry, Marlin Business Services's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Marlin Business Services's Price-to-Projected-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Marlin Business Services's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Marlin Business Services's Price-to-Projected-FCF falls into.



Marlin Business Services Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Marlin Business Services's Free Cash Flow(6 year avg) = $-523.14.

Marlin Business Services's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Sep21)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*-523.14288+215.282*0.8)/12.062
=-398.63

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Marlin Business Services  (NAS:MRLN) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Marlin Business Services's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=23.49/-398.63028954781
=

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Marlin Business Services Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Marlin Business Services's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Marlin Business Services (Marlin Business Services) Business Description

Traded in Other Exchanges
N/A
Address
300 Fellowship Road, Mount Laurel, NJ, USA, 08054
Marlin Business Services Corp is a provider of credit products and services to small businesses. The company provide equipment financing programs to manufacturers, distributors and dealers to help increase their sales and meet the needs of their small business customers. Marlin derives its revenue from interest and fees from leases and loans and, to a lesser extent, income from its property insurance program and other fee income.
Executives
Jeffrey Albert Hilzinger officer: Chief Executive Officer 3 CEDAR RIDGE DRIVE, CHESTER NJ 07930
Matthew J Sullivan 10 percent owner 1230 PEACHTREE STREET, NE SUITE 1900 ATLANTA GA 30309
Lawrence J Deangelo director C/O MARLIN BUSINESS SERVICES CORP 124 GAITHER DR MOUNT LAUREL NJ 08054
Ryan S Melcher officer: SVP and General Counsel C/O MARLIN BUSINESS SERVICES CORP. 300 FELLOWSHIP ROAD MT. LAUREL NJ 07728
Michael R Bogansky officer: Chief Financial Officer C/O PHH CORPORATION 3000 LEADENHALL ROAD MT. LAUREL NJ 08054
Willem Mesdag 10 percent owner C/O RED MOUNTAIN CAPITAL MANAGEMENT INC., 10100 SANTA MONICA BOULEVARD, SUITE 925, LOS ANGELES CA 90067
James Sherlock officer: Senior Vice President 8 WILCOTE WAY MEDFORD NJ 08055
Dietz Edward Ralph Jr. officer: General Counsel 139 GLENWOOD ROAD HADDONFIELD NJ 08033
James W Wert director
Aswin Rajappa officer: Chief Marketing Officer 1 GREYLYNNE DRIVE PRINCETON NJ 08540
Laura C Anger officer: Chief Human Resources Officer C/O FLAGSTAR BANCORP INC., 5151 CORPORATE DRIVE, TROY MI 48098
Louis Evan Maslowe officer: Chief Credit Officer 11 SOUTHWINDS LANE MALVERN PA 19355
Edward John Siciliano officer: Chief Sales Officer 343 CHRISTOPHER DRIVE PRINCETON NJ 08540
Michael Louis Mattingly officer: Senior Vice President 223 NATHAN DRIVE CINNAMINSON NJ 08077
Gregory Lee Sting officer: Senior Vice President 4 SHEFFIELD COURT MEDFORD NJ 08055

Marlin Business Services (Marlin Business Services) Headlines

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