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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:
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.
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 | -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 | -501.73 | -470.72 | -448.60 | -423.45 | -398.63 |
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.
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.
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.
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.
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 |
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