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 ...

| --- | --- | --- | |----------------------|-------------------------------------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | 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 ...

| --- | --- | --- | |----------------------|-------------------------------------------------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | 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 ...

Financial Data and Key Metrics Changes - MeridianLink reported GAAP revenue of $71.8 million for Q3 2022, representing a 7% year-over-year increase and a 36% adjusted EBITDA margin [7][17] - Adjusted gross margin for Q3 was 69%, while GAAP gross margin was 61% [18] - Operating cash flow for Q3 was $19.6 million, with free cash flow at $16.9 million, resulting in a 24% free cash flow margin [19] Business Line Data and Key Metrics Changes - The consumer lending business grew by 21% year-over-year, driven by strength in personal and non-vehicle loan types [7] - Mortgage-related revenue decreased to 21% of total revenue, down 22% from the previous year, with mortgage lending software accounting for 6% of lending software solutions [17][18] - Lending software revenue grew 17% year-over-year, and excluding the mortgage slowdown, it increased by 20% year-over-year [18] Market Data and Key Metrics Changes - The mortgage market is experiencing significant headwinds due to rising interest rates, which are at two-decade highs [8] - The company expects the mortgage market to contribute approximately 18% of revenue for Q4 2022 [22] Company Strategy and Development Direction - MeridianLink aims to capture a larger share of its $10 billion total addressable market (TAM) by investing in customer engagement and expanding platform capabilities [9][10] - The acquisition of OpenClose is intended to enhance the company's mortgage lending technology and support depository institutions [14][23] - The company is focused on migrating its solutions to the public cloud to improve security, speed, and scalability [12] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in long-term growth opportunities despite challenging macroeconomic conditions [7] - The company is closely monitoring macroeconomic impacts on the market while maintaining cost discipline [17] - There is a strong pipeline for Q4, with good visibility into FY 2023 revenue, excluding the mortgage market [52] Other Important Information - MeridianLink achieved the Great Place to Work certification for the third consecutive year, highlighting its positive workplace culture [15] - The company was ranked 54th on the 2022 Global IDC FinTech 100 list, marking its first year of participation [78] Q&A Session Summary Question: Market share in mortgage guidance - Management clarified that there has been no change in market share, attributing revenue reductions to volume-driven impacts from the mortgage market downturn [28] Question: Trends in auto business - The auto business has remained strong, with improvements in inventory levels expected to support future success [30] Question: OpenClose acquisition details - The purchase price for OpenClose was $65 million, seen as a strategic investment to enhance mortgage product offerings [32] Question: Strength in lending solutions - Most growth in lending solutions, excluding mortgage, came from same-store sales rather than new customers [51] Question: Demand across consumer lending - Demand remains consistent, with an uptick in home equity lending noted [58] Question: Long-term growth framework - Management indicated that they are positioned to capture future refinancing opportunities as the mortgage market stabilizes [62] Question: M&A outlook - The company continues to have an appetite for M&A, with private market valuations aligning more closely with public market expectations [71]

Table of Contents 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 September 30, 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) Q2 2022 Earnings Conference Call August 9, 2022 5:00 PM ET Company Participants Erik Schneider - Head, 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 Saket Kalia - Barclays Nik Cremo - Credit Suisse Cris Kennedy - William Blair Matt VanVliet - BTIG Max Osnowitz - Stifel Andrew Schmidt - Citi Operator Ladies and gentlemen, thanks ...

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