分组1 - 公司在Q3取得了另一个强劲的订单季度,赢得了令人印象深刻的新客户名单。公司继续看到顶级金融机构现在转向公司以实现其数字化转型目标 [14] - 公司在Q3的总抵押贷款业务方面取得了出色的成绩,这是团队的一个出色成就,展示了在抵押贷款利率处于一代人最高水平的情况下,跨销售MeridianLink One的成功 [15] - 公司赢得了一个20亿美元资产管理银行的平台销售,该银行签署了MeridianLink Consumer和Mortgage以取代其现有的分散系统。通过MeridianLink One,该客户现在正在使用公司的专利债务优化工具,该工具可以提高贷款批准率,增加交叉销售机会,并加深与客户的关系 [16] 分组2 - 公司最近推出了MeridianLink Access,这是MeridianLink One的账户开立和贷款发放解决方案。受对更个性化的消费者体验的需求驱动,MeridianLink Access提供了增强的可配置性,使客户能够快速微调其面向消费者的流程,从而更好地控制 [20] - 公司还在其数据分析解决方案方面进行了创新,为客户提供可操作的见解,以优化其贷款流程。例如,公司宣布了一项新的数据解决方案MeridianLink Data Connect,使金融机构能够将其MeridianLink Consumer和账户开立数据直接集成到自己的商业智能仪表板中,从而获得更深入的报告 [21] - 公司与Experian和Socure等创新合作伙伴合作,为客户提供更快捷的贷款流程,提高客户的竞争力 [27][28][29] 问答环节重要的提问和回答 问题1 **William McNamara 提问** 新的Experian Verify合作伙伴关系与之前相比,在降低摩擦方面有多大意义? [68] **Chris Maloof 回答** 新的集成解决方案可以帮助客户更有利润地向下游市场放贷。公司的客户群主要向AAA级消费者放贷,但他们也希望尽可能为社区提供服务。公司的新型决策解决方案可以让客户整合不同的验证服务,以有信心和盈利的方式接触这些受众 [69] 问题2 **Nik Cremo 提问** 自Q2以来,新客户和交叉销售的订单量有何变化?10月份的贷款量如何? [73] **Nicolaas Vlok 和 Sean Blitchok 回答** 公司自年初重组销售和服务团队以来,生产率和交付能力持续提高。公司在Q3取得了强劲的订单,有助于积累订单量,并将在今年下半年继续取得进展。公司预计将在2023年底前的订单量低于去年,但仍将保持一定的订单量,并将进入2024年。 在贷款量方面,抵押贷款和汽车贷款呈现温和复苏态势,预计Q4将实现中个位数的整体增长 [74][75][76][77]

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 June 30, 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) ____ ...

| --- | |----------------------------------------| | 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 | Good afternoon and welcome to MeridianLink's second q ...

We are continuously improving our platform capabilities, through product innovation and value-added partner integrations. And for another quarter, the powerful capabilities of the MeridianLink One platform continue to drive new logo and cross-sell momentum. As a result MeridianLink exceeded top line guidance again in Q1, with GAAP revenue up 6% year-over-year to $77.1 million and demonstrated solid operating performance. In each of these scenarios, the surge in digital transactions will accrue to our benefi ...

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) ___ ...

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 ...

In the face of uncertain macroeconomic conditions in 2023, we will continue executing well on what we can control as we did in 2022, staying highly focused on the three areas of growth that I laid out today. We will continue engaging with customers to meet and exceed the digital lending needs in part by prioritizing investments that expand our platform capabilities and revenue opportunity. The powerful capabilities of our MeridianLink One platform drove new logo and cross-sell momentum, as we signed an impr ...

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