Latest news with #MeridianLink
Business Insider
5 days ago
- Business
- Business Insider
MeridianLink (MLNK) Receives a Sell from Bank of America Securities
In a report released on July 18, Koji Ikeda from Bank of America Securities maintained a Sell rating on MeridianLink, with a price target of $17.00. The company's shares closed last Friday at $16.21. Elevate Your Investing Strategy: Take advantage of TipRanks Premium at 50% off! Unlock powerful investing tools, advanced data, and expert analyst insights to help you invest with confidence. Make smarter investment decisions with TipRanks' Smart Investor Picks, delivered to your inbox every week. According to TipRanks, Ikeda is a 5-star analyst with an average return of 12.6% and a 59.05% success rate. Ikeda covers the Technology sector, focusing on stocks such as Datadog, nCino, and Gitlab. MeridianLink has an analyst consensus of Hold, with a price target consensus of $17.00.
Globe and Mail
16-07-2025
- Business
- Globe and Mail
Point Predictive Brings Industry-Leading Fraud Detection And Automation to MeridianLink Platform
SAN DIEGO, July 16, 2025 (GLOBE NEWSWIRE) -- Point Predictive, the leader in fraud prevention solutions for the lending industry, today announced a new integration with MeridianLink, Inc. (NYSE: MLNK), a leading provider of modern software platforms for financial institutions and consumer reporting agencies. The new integration with MeridianLink® Consumer is in addition to the previous integration of MeridianLink DecisionLender®. The new integration allows financial institutions to leverage Point Predictive's comprehensive risk scoring, alerts, and reporting capabilities without leaving their existing MeridianLink Consumer workflow. By embedding AutoPass™ technology directly into the loan origination process, lenders can identify potential fraud in real time while simultaneously reducing document requirements for low-risk applicants. This empowers financial institutions to better protect themselves from fraud while helping to streamline the lending process for members and customers. "Credit Unions and banks today face the challenge of combating increasingly sophisticated fraud schemes while meeting their members' expectations for faster, safer, and more convenient lending experiences," said Tim Grace, CEO of Point Predictive. "Our integration with MeridianLink Consumer addresses those challenges by delivering powerful fraud detection capabilities within lenders' existing processes to help identify risk without introducing friction for legitimate borrowers. We are proud to expand our partnership with MeridianLink to bring our powerful scores and alerts to their over 1,900 customers that depend on them." AutoPass helps financial institutions automatically approve up to 80% of credit-approved applications by providing insights that can reduce requirements for proof of income, employment, and identity. The solution's comprehensive risk score helps prevent 40% to 60% of loans that would default in the first 6-12 months, which often accounts for a significant portion of lender losses annually. "At MeridianLink, we're committed to providing our clients with best-in-class technology that enhances operational efficiency while protecting their financial interests," said Megan Pulliam, SVP of Marketplace at MeridianLink. "Integrating Point Predictive's AutoPass solution gives our clients powerful new tools to help combat fraud without sacrificing the streamlined lending experience that both consumers and financial institutions expect." For credit unions and community banks that may lack extensive fraud prevention resources, the integration provides enterprise-level protection through an easy-to-implement solution. The technology draws on Point Predictive's proprietary data repository of over 87 billion risk insights, encompassing billions of risk attributes across hundreds of millions of historical loan applications from hundreds of lenders and banks. The integration features over 150 comprehensive alerts to identify various fraud types, including identity fraud, income fraud, employment fraud, straw borrowers (those buying a vehicle for someone else but representing it is for themselves), collateral fraud (misrepresentation of the vehicle VIN number, etc.), and Dealer fraud. Early adopters report significant benefits, including reduced fraud losses, faster application processing times, and increased loan conversion rates. One credit union using the integrated solution has seen a 45% reduction in stipulation requests and a 38% increase in conversions by automating their fraud checks with Point Predictive's scores and alerts. The integration is available to all MeridianLink Consumer, DecisionLender®, and LoansPQ platform customers. About Point Predictive Point Predictive powers a new level of lending confidence and speed through artificial intelligence, powerful data insight from our proprietary data repository, and decades of risk management expertise. The company's data and technology solutions quickly and accurately identify truthful and untruthful disclosures on loan applications. As a result, lenders can fund the majority of loans without requiring onerous documentation, such as paystubs, utility bills, or bank statements, improving funding rates while reducing early payment default losses. Subsequently, borrowers get loans faster, and lenders realize a more profitable bottom line. For more information, please visit About MeridianLink MeridianLink® (NYSE: MLNK) empowers financial institutions and consumer reporting agencies to drive efficient growth. MeridianLink's cloud-based digital lending, account opening, background screening, and data verification software solutions leverage shared intelligence from a unified data platform, MeridianLink® One, to enable customers of all sizes to identify growth opportunities, effectively scale up, and support compliance efforts, all while powering an enhanced experience for staff and consumers alike. For more than 25 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at
Yahoo
07-07-2025
- Business
- Yahoo
Repay Holdings Enhances MeridianLink Integration for Streamlined Account Funding, Payments
Repay Holdings Corporation (NASDAQ:RPAY) is one of the cheap penny stocks to buy now. On June 10, Repay Holdings announced significant enhancements to its integration with MeridianLink Inc. (NYSE:MLNK). The new capabilities allow credit unions and banks within MeridianLink's network to offer new members streamlined account funding through various methods, such as debit card, ACH, and digital wallets like Apple Pay & Google Pay. The expanded account funding options are facilitated by REPAY's integrated payment technology and enable financial institutions utilizing MeridianLink Opening to accept funds into new member accounts rapidly. The simplification of the onboarding process benefits both credit unions and their members. A close-up of a person's hand holding a credit card while using a mobile application to make a payment. The enhancements complement REPAY's existing integration with MeridianLink Collect, which is designed to optimize loan collection operations by simplifying accounting and consumer payment processes. Through this integration, MeridianLink's network of financial institution customers can streamline processing efficiencies by accepting ACH and card payments via web, mobile, Interactive Voice Response/IVR, or text. Repay Holdings Corporation (NASDAQ:RPAY) is a payments technology company that provides integrated payment processing solutions in the US. MeridianLink Inc. (NYSE:MLNK) is a SaaS company that provides software solutions for banks, credit unions, mortgage lenders, specialty lending providers, and consumer reporting agencies in the US. While we acknowledge the potential of RPAY as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the . READ NEXT: and . Disclosure: None. This article is originally published at Insider Monkey. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
04-07-2025
- Business
- Yahoo
TTEC vs. MLNK: Which Stock Should Value Investors Buy Now?
Investors interested in stocks from the Technology Services sector have probably already heard of TTEC Holdings (TTEC) and MeridianLink (MLNK). But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out. Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The proven Zacks Rank puts an emphasis on earnings estimates and estimate revisions, while our Style Scores work to identify stocks with specific traits. Right now, TTEC Holdings is sporting a Zacks Rank of #2 (Buy), while MeridianLink has a Zacks Rank of #3 (Hold). The Zacks Rank favors stocks that have recently seen positive revisions to their earnings estimates, so investors should rest assured that TTEC has an improving earnings outlook. But this is just one piece of the puzzle for value investors. Value investors also tend to look at a number of traditional, tried-and-true figures to help them find stocks that they believe are undervalued at their current share price levels. Our Value category highlights undervalued companies by looking at a variety of key metrics, including the popular P/E ratio, as well as the P/S ratio, earnings yield, cash flow per share, and a variety of other fundamentals that have been used by value investors for years. TTEC currently has a forward P/E ratio of 4.63, while MLNK has a forward P/E of 48.45. We also note that TTEC has a PEG ratio of 0.27. This metric is used similarly to the famous P/E ratio, but the PEG ratio also takes into account the stock's expected earnings growth rate. MLNK currently has a PEG ratio of 1.63. Another notable valuation metric for TTEC is its P/B ratio of 0.88. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. For comparison, MLNK has a P/B of 3.06. These are just a few of the metrics contributing to TTEC's Value grade of B and MLNK's Value grade of D. TTEC has seen stronger estimate revision activity and sports more attractive valuation metrics than MLNK, so it seems like value investors will conclude that TTEC is the superior option right now. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report TeleTech Holdings, Inc. (TTEC) : Free Stock Analysis Report MeridianLink, Inc. (MLNK) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
21-06-2025
- Business
- Yahoo
HELOC rates today, June 21, 2025: The home equity line of credit rate sharply lower
HELOC interest rates fell today, giving home equity line of credit borrowers a nice entry point to tap their home's value. A new survey finds that a significant number of homeowners are considering a HELOC. Nearly 30% of U.S. homeowners said they are considering accessing their home equity with a second mortgage in the next 12 months, according to MeridianLink. "Homeowners recognize the potential of home equity lending, but many are still on the sidelines due to financial uncertainty and lack of education about their options,' JP Kelly, MeridianLink senior vice president, said in a release. Among those likely to borrow from their home equity, most (45%) said home improvements were their primary motivation. Now, let's dig into today's HELOC rates. Dig deeper: HELOC vs. home equity loan: Tapping your equity without refinancing This embedded content is not available in your region. According to Zillow, the rate on a 10-year HELOC dropped nine basis points to 6.70% today. The same rate is also available on 15- and 20-year HELOCS. VA-backed HELOCs fell sharply by 13 basis points to 6.30%. Homeowners have a staggering amount of value tied up in their houses — more than $34 trillion at the end of 2024, according to the Federal Reserve. That's the third-largest amount of home equity on record. With mortgage rates lingering in the high 6% range, homeowners are not going to let go of their primary mortgage anytime soon, so selling a house may not be an option. Why let go of your 5%, 4% — or even 3% mortgage? Accessing some of that value with a use-it-as-you-need-it HELOC can be an excellent alternative. HELOC interest rates are different from primary mortgage rates. Second mortgage rates are based on an index rate plus a margin. That index is often the prime rate, which today is 7.50%. If a lender added 1% as a margin, the HELOC would have a rate of 8.50%. However, you will find reported HELOC rates are much lower than that. That's because lenders have flexibility with pricing on a second mortgage product, such as a HELOC or home equity loan. Your rate will depend on your credit score, the amount of debt you carry, and the amount of your credit line compared to the value of your home. And average national HELOC rates can include "introductory" rates that may only last for six months or one year. After that, your interest rate will become adjustable, likely beginning at a substantially higher rate. You don't have to give up your low-rate mortgage to access the equity in your home. Keep your primary mortgage and consider a second mortgage, such as a home equity line of credit. The best HELOC lenders offer low fees, a fixed-rate option, and generous credit lines. A HELOC allows you to easily use your home equity in any way and in any amount you choose, up to your credit line limit. Pull some out; pay it back. Repeat. Meanwhile, you're paying down your low-interest-rate primary mortgage like the wealth-building machine you are. This embedded content is not available in your region. Today, FourLeaf Credit Union is offering a HELOC rate of 6.49% for 12 months on lines up to $500,000. That's an introductory rate that will convert to a variable rate later. When shopping lenders, be aware of both rates. And as always, compare fees, repayment terms, and the minimum draw amount. The draw is the amount of money a lender requires you to initially take from your equity. The power of a HELOC is tapping only what you need and leaving some of your line of credit available for future needs. You don't pay interest on what you don't borrow. Rates vary so much from one lender to the next that it's hard to pin down a magic number. You may see rates from nearly 7% to as much as 18%. It really depends on your creditworthiness and how diligent a shopper you are. For homeowners with low primary mortgage rates and a chunk of equity in their house, it's probably one of the best times to get a HELOC. You don't give up that great mortgage rate, and you can use the cash drawn from your equity for things like home improvements, repairs, and upgrades. Of course, you can use a HELOC for fun things too, like a vacation — if you have the discipline to pay it off promptly. A vacation is likely not worth taking on long-term debt. If you take out the full $50,000 from a line of credit on a $400,000 home, your payment may be around $395 per month with a variable interest rate beginning at 8.75%. That's for a HELOC with a 10-year draw period and a 20-year repayment period. That sounds good, but remember, it winds up being a 30-year loan. HELOCs are best if you borrow and pay back the balance in a much shorter period of time.
