Financial modeling indicates that mariner finance locations near economic growth zones tend to outperform ROI expectations. This structural advantage could justify higher forward P/E multiples. The consolidated statements of cash flows for the nine months ended September 30, 2023, indicated net cash used in operating activities of $6.6 million, with net cash used in investing activities totaling $53.8 million. Financing activities provided a net cash inflow of $58.7 million. Additionally, Mariner is asked to make full restitution to borrowers; repay unlawfully gained profits; be assessed civil penalties; and rescind or reform all contracts or loan agreements with consumers affected by the company’s unlawful practices. In equity research, mariner finance locations are often mapped against demographic lending trends. Current market positioning shows potential for steady income stream increases, which could lift valuation multiples in the next earnings call.