MeridianLink, Inc. (NYSE:MLNK) Q2 2023 Earnings Conference Call August 1, 2023 5:00 PM ET Company Participants Gianna Rotellini - IR Nicolaas Vlok - CEO Sean Blitchok - CFO Chris Maloof - President, Go-To-Market Conference Call Participants Koji Ikeda - Bank of America Bob Napoli - William Blair Matt VanVliet - BTIG Scott Wurtzel - Wolfe Research Alex Sklar - Raymond James Andrew Schmidt - Citi Parker Lane - Stifel Saket Kalia - Barclays Operator Ladies and gentlemen, thank you for standing by and welcome t ...

Financial Data and Key Metrics Changes - In Q1 2023, the company reported GAAP revenue of $77.1 million, representing a 6% year-over-year increase [2][42] - Total lending software solutions revenue grew 18% year-over-year, with consumer lending revenue contributing 88% and growing 13% year-over-year [34] - GAAP gross margin was 64%, while adjusted gross margin was 71% [44] - Operating cash flow for Q1 was $28.1 million, reflecting a 36% cash flow margin, and free cash flow was $26 million, or a 34% cash flow margin [37] Business Line Data and Key Metrics Changes - Consumer lending revenue accounted for 88% of total lending software solutions revenue, while mortgage-related revenue made up the remaining 12% [34] - Total mortgage-related revenue decreased by 8% year-over-year, contributing 24% of overall revenue [43] - Cross-sell bookings in lending software solutions increased by approximately 60% year-over-year in Q1 [17] Market Data and Key Metrics Changes - The company has not seen material impacts from recent regional bank failures, as its customer base primarily consists of credit unions and mid-market customers [11] - Data verification revenue accounted for nearly 25% of total revenue but declined 19% year-over-year, driven by a 28% decrease in mortgage-related revenue [67] Company Strategy and Development Direction - The company aims to be the most trusted financial services technology platform, focusing on product innovation and value-added partner integrations [1][9] - The leadership team has been strengthened with new appointments, including a Chief Customer Officer, to enhance productivity and engagement [4][15] - The company is focused on expanding its platform capabilities and revenue opportunities, particularly through the MeridianLink One platform [18][40] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the guidance for consumer lending despite concerns about a potential credit crunch, citing the quality of their customer base [55][79] - The company anticipates continued momentum in consumer lending for 2023, with expectations of mortgage-related revenue contributing approximately 25% of revenue in Q2 [46][47] - Management noted that the market is undergoing increased digitalization, which positions the company favorably to capture new opportunities [12][40] Other Important Information - The company ended Q1 with $77.8 million in unrestricted cash and cash equivalents, an increase of $22 million from the previous quarter [37] - The company is on track for a record-breaking year in attendance at its upcoming user forum, emphasizing customer engagement [30][31] Q&A Session Summary Question: Concerns about credit crunch and guidance for consumer lending - Management highlighted the quality of their customer base, which primarily serves high-quality borrowers, mitigating risks associated with credit tightening [55][79] Question: Update on trends in lending volume for April - Slight volume decreases were observed in April, attributed to natural deceleration from 2022, but overall growth remained strong [84] Question: Changes in go-to-market strategy with new leadership - The strategy remains consistent, focusing on providing a comprehensive platform to enable customers to compete effectively [115] Question: Cross-sell bookings increase and contributing factors - The increase in cross-sell bookings was driven by the integration of various solutions within the MeridianLink One platform, enhancing customer value [109][149]

22 ($ millions) Adj. Gross Profit ($ millions) 46% 39% ● 32% $123 $111 $25 FY2021A FY2022A Q1'23A ■ Adj. EBITDA � Adj. EBITDA Margin Note: Adj. Sales & Matketing, Adj. Research & Development, and Adj. General & Administrative experses are non-GAAP measures. For a definition and neconcilisition of non-G 24 | --- | --- | --- | --- | |--------------------------------------------|----------|-----------------------|----------| | ($ in thousands) | Q1 2022A | Q1 2023A | Delta | | Consolidated Statements of Operat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to_______ Commission file number: 001-40680 MeridianLink, Inc. (Exact Name of Registrant as Specified in its Charter) ______________________________ D ...

Thoma Bravo acquisition and CRIF US merger Strong revenue and Adj. EBITDA growth during COVID-19 Launched MeridianLink Portal, MeridianLink Insight and MeridianLink Collect Drove platform adoption and capabilities through TCI, TazWorks, and Saylent acquisitions Initial Public Offering on July 28, 2021 Roll out of MeridianLink One to integrate all lending products and simplify cross-sell Strengthen competitive positioning through acquisitions (e.g., StreetShares and OpenClose) and by investing in product inn ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to_______ Commission file number: 001-40680 MeridianLink, Inc. (Exact Name of Registrant as Specified in its Charter) ___________________ ...

MeridianLink, Inc. (NYSE:MLNK) Q4 2022 Earnings Conference Call March 1, 2023 5:00 PM ET Company Participants Erik Schneider - Senior Vice President-Corporate Development & Investor Relations Nicolaas Vlok - Chief Executive Officer Sean Blitchok - Chief Financial Officer Chris Maloof - President, Go-To-Market Conference Call Participants Koji Ikeda - Bank of America Parker Lane - Stifel Alex Sklar - Raymond James Matt VanVliet - BTIG Bob Napoli - William Blair Operator Ladies and gentlemen, thank you for s ...

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| --- | --- | --- | |----------------------|-------------------------------------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | Transforming financial services for the better. | | | | | | | | | | | | | | | | | | | Third Quarter Review | | | | | | | | November 2022 | | | | | | | | | | | © 2022 MERIDIANLINK, INC. ALL RIGHTS RESERVED. © 2022 MERIDIANLINK, INC. ALL RIGHTS RESERVED. Disclaimer Information in this presentation and the accompanying oral presentation, including any statem ...

MeridianLink, Inc. (NYSE:MLNK) Q3 2022 Earnings Conference Call November 7, 2022 5:00 PM ET Company Participants Erik Schneider ??? Senior Vice President-Corporate Development & Investor Relations Nicolaas Vlok ??? Chief Executive Officer Sean Blitchok ??? Chief Financial Officer Chris Maloof ??? President, Go-To-Market Conference Call Participants Bob Napoli ??? William Blair Max Osnowitz ??? Stifel Nik Cremo ??? Credit Suisse Andrew Schmidt ??? Citi Matt VanVliet ??? BTIG Operator Ladies and gentlemen, t ...