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MoneyLion 향후 성장
Future 기준 점검 5/6
MoneyLion은 연간 수입과 매출이 각각 77.3%와 21.1% 증가할 것으로 예상되고 EPS는 연간 74.8%만큼 증가할 것으로 예상됩니다.
핵심 정보
77.3%
이익 성장률
74.82%
EPS 성장률
| Consumer Finance 이익 성장 | 19.1% |
| 매출 성장률 | 21.1% |
| 향후 자기자본이익률 | n/a |
| 애널리스트 커버리지 | Low |
| 마지막 업데이트 | 16 Apr 2025 |
최근 향후 성장 업데이트
Recent updates
Seeking Alpha • Feb 27
MoneyLion: An Illogical Deal
Summary MoneyLion's impressive Q4 results question the rationale behind its $1 billion buyout by Gen Digital. The deal includes $82 per share in cash plus a CVR, requiring Gen Digital's stock to rise above $37.50 for 30 days. MoneyLion's 40% revenue and 55% adjusted EBITDA growth highlight its undervaluation, contrasting with Gen Digital's minimal 4% growth. Due to the buyout, MoneyLion's current trading price of $87 suggests limited upside, with investors risking only $5 for potential gains via the CVR. Read the full article on Seeking AlphaSeeking Alpha • Dec 18
MoneyLion Has An Unusual M&A Deal For You
Summary MoneyLion is being acquired by Gen Digital for $1 billion, offering a potential high-reward investment due to its undervaluation and strong revenue growth. Gen Digital's acquisition includes a Contingent Value Right (CVR) that could provide additional returns if Gen Digital's stock price reaches $37.50 within 24 months. MoneyLion's strong customer acquisition and positive cash flow make it a valuable addition to Gen Digital's portfolio, enhancing its consumer finance offerings. The primary risk is financial uncertainty regarding the CVR payout, but the deal's structure offers a favorable risk-reward ratio for investors. Read the full article on Seeking AlphaSeeking Alpha • Nov 27
MoneyLion: 3 Key Reasons This Under-The-Radar Growth Story Is A 'Strong Buy'
Summary MoneyLion sports stable revenue growth, expanding margins, and a reasonable valuation, making it an attractive opportunity in the consumer fintech space. The company's innovative products, like InstaCash, have driven significant user acquisition and revenue growth, and the company now has more than $500 million in top line run rate. Despite some risks, MoneyLion's strong product strategy and attractive valuation make it a 'Strong Buy' in the current market. Read the full article on Seeking AlphaSeeking Alpha • Nov 21
MoneyLion: Its 70%+ Month-Over-Month Run Might Resume
Summary MoneyLion Inc.'s third-quarter growth includes a 1.6 million increase in customers and a 22% year-over-year revenue rise, showing strong underlying momentum. The company's marketplace and personal finance segments, bolstered by over 1,200 partnerships, drive significant traffic and revenue. MoneyLion's valuation metrics, including an EV/EBITDA of 10.99x and a price-to-sales ratio of 1.71x, indicate a favorable fundamental value outlook. Despite risks like high volatility and technical stock pricing concerns, MoneyLion's strategic growth and robust financials support a bullish outlook. Read the full article on Seeking AlphaSeeking Alpha • Nov 11
MoneyLion: Illogical Moves
Summary MoneyLion Inc.'s stock has traded very volatile, but the company is now experiencing accelerating growth, with strong Q4 guidance and improved financial metrics. The fintech's innovative Checkout product boosts conversion rates and revenue, driving significant Enterprise growth and customer engagement. Despite recent gains, MoneyLion remains undervalued, trading at just 8x 2025 EBITDA targets, with potential for higher revenue and profit growth. Read the full article on Seeking Alpha분석 기사 • Nov 07
Optimistic Investors Push MoneyLion Inc. (NYSE:ML) Shares Up 39% But Growth Is Lacking
MoneyLion Inc. ( NYSE:ML ) shares have had a really impressive month, gaining 39% after a shaky period beforehand. The...Seeking Alpha • Sep 27
MoneyLion: Discounted Valuation, Revenue Surge, Positive EPS. I'm Buying
Summary MoneyLion's Q2 2024 results beat consensus estimates, with revenue up 22.8% year-over-year and positive earnings of $0.29 per share. The company’s customer base grew to 17 million, with revenue guidance for fiscal 2024 set at $525 million to $535 million, implying a low price-to-sales multiple of 0.89x. Positive GAAP earnings of $1.31 million and an adjusted EBITDA margin of 14.2% highlight operational efficiency, with potential for debt refinancing amid anticipated Fed rate cuts. Despite competitive pressures, ML's strong product adoption and undervaluation present a compelling long-term investment opportunity, supported by share buybacks and a favorable liquidity position. Read the full article on Seeking Alpha
새로운 내러티브 • Sep 24
Innovative Strategies And Market Expansion Fuelling Exceptional Growth And Efficiency
MoneyLion's strategy results in significant revenue growth and operational efficiency, enhancing investor confidence and potentially improving net margins.분석 기사 • Aug 07
MoneyLion Inc. (NYSE:ML) Shares May Have Slumped 31% But Getting In Cheap Is Still Unlikely
The MoneyLion Inc. ( NYSE:ML ) share price has fared very poorly over the last month, falling by a substantial 31%. Of...Seeking Alpha • Jul 23
MoneyLion: Ready To Roar Again
Summary MoneyLion faces CFPB concerns over paycheck advances with a proposal for new interpretive rules. The financial regulator is focused on the high costs of employer-partnered earned wage products, allegedly not properly disclosed. MoneyLion's Instacash program has apparently been a big part of its growth. The stock trades at 6x EBITDA. Read the full article on Seeking AlphaSeeking Alpha • Jun 21
MoneyLion: Buy This Stock, Before It Moves Higher
Summary MoneyLion Inc. is an inflection stock with stable customer adoption and increasing free cash flows, making it significantly undervalued. MoneyLion's ability to acquire customers at low costs and offer personalized financial products sets it apart in the market. With a projected 20% CAGR in 2024 and a valuation of 7x EBITDA, MoneyLion is poised for significant growth and profitability. Read the full article on Seeking AlphaSeeking Alpha • Jun 13
MoneyLion: Additional Upside Likely After 5.8X Surge
Summary We believe MoneyLion's novel methodologies and capital market-based metrics are best-in-class. ML stock has surged by over 580% in the past year, driven by scalable solutions and the potential for further growth, which, we think, will be sustained. Operating primarily as a loan intermediary, the Company has utilized a broad range of partnerships and a cash-back initiative to enhance its traffic, which, we think, is smart. The firm has tabled lucrative financial results, proving that its innovative plan can yield tangible results. We think MoneyLion's relative valuation and technical pricing points are well-placed. Thus, considering its fundamentals in tandem, we decided to assign a Buy rating. Read the full article on Seeking AlphaSeeking Alpha • May 21
MoneyLion: Getting Some Due Respect
Summary MoneyLion, a fintech platform operator, has seen a turnaround in its stock performance over the past year with the shares up over 600% in 12 months. The company continues to see significant improvements in several key metrics and reported first quarter results earlier this month. Analysts are also optimistic about MoneyLion's future prospects. An updated analysis around this Fintech concern follows in the paragraphs below. Read the full article on Seeking Alpha분석 기사 • May 07
Risks To Shareholder Returns Are Elevated At These Prices For MoneyLion Inc. (NYSE:ML)
MoneyLion Inc.'s ( NYSE:ML ) price-to-sales (or "P/S") ratio of 1.8x may not look like an appealing investment...Seeking Alpha • Mar 08
MoneyLion: More Catalysts Ahead
Summary MoneyLion Inc. is back in growth mode as platform partners return, adding 1.9 million new customers in Q4 '23. The fintech has become highly profitable, with adjusted EBITDA hitting $17 million and the company forecasting accelerating growth this year. MoneyLion trades at a low multiple of ~10x EBITDA targets and has significant growth potential, especially with the EY partnership. Read the full article on Seeking Alpha분석 기사 • Feb 07
MoneyLion Inc.'s (NYSE:ML) 27% Share Price Plunge Could Signal Some Risk
MoneyLion Inc. ( NYSE:ML ) shares have retraced a considerable 27% in the last month, reversing a fair amount of their...Seeking Alpha • Jan 22
MoneyLion: Upside Remains After End Of 2023 Rally
Summary MoneyLion has achieved positive adjusted EBITDA and free cash flow, indicating strong operational momentum. The company is focused on expanding its enterprise marketplace and diversifying into other verticals such as credit cards, mortgages, and insurance. MoneyLion has a low customer acquisition cost and a large customer base, providing opportunities for cross-selling and growth. Read the full article on Seeking Alpha분석 기사 • Dec 21
MoneyLion Inc.'s (NYSE:ML) Shares Climb 50% But Its Business Is Yet to Catch Up
MoneyLion Inc. ( NYSE:ML ) shares have continued their recent momentum with a 50% gain in the last month alone. The...Seeking Alpha • Nov 17
MoneyLion: Buy This Stock At 5x EBITDA
Summary MoneyLion delivers strong Q3 results, outperforming other struggling fintech companies. The company's consumer business dominates, with strong growth in adoption of third-party products. MoneyLion's profitability profile is a significant asset, with a strong EBITDA run-rate and consistent financial growth. Read the full article on Seeking AlphaSeeking Alpha • Nov 08
MoneyLion: A Roaring Opportunity That Stands Out In The Fintech Jungle
Summary MoneyLion's stock is predicted to perform well over the next 12-24 months, offering an appealing entry point for investors. The company has continued to grow in terms of revenue and margins, despite macroeconomic challenges. MoneyLion's ability to generate liquidity, high growth rate, and positioning for falling interest rates make it a bullish investment. Read the full article on Seeking AlphaSeeking Alpha • Aug 25
MoneyLion: A Promising Investment Opportunity, Strong EBITDA Potential
Summary MoneyLion is a de-SPACed firm that offers financial services to its customers. MoneyLion stock is a good investment opportunity due to its growth potential. The revenue growth rate of MoneyLion is impressive while it appears to be a cheaply valued business. Read the full article on Seeking AlphaSeeking Alpha • May 30
MoneyLion: What Will It Take For Shares To Trade At Their Intrinsic Value?
Summary MoneyLion's common shares are experiencing a cycle of decline despite strong revenue growth and a large cash balance. Fiscal 2023 first-quarter revenue increased by 34.4% year-over-year, driven by 1.3 million customer additions. The company is aiming to diversify its product offering through third-party products. These formed 73% of its product mix as of the end of the first quarter. Read the full article on Seeking Alpha분석 기사 • Apr 19
Some Confidence Is Lacking In MoneyLion Inc. (NYSE:ML) As Shares Slide 25%
Unfortunately for some shareholders, the MoneyLion Inc. ( NYSE:ML ) share price has dived 25% in the last thirty days...Seeking Alpha • Jan 11
MoneyLion: Big Plans For A Penny Stock
Summary MoneyLion hasn't rallied following a positive Investor Day back in early December. The fintech projects at least 35% revenue growth for the next 2 to 3 years while the stock is priced for the company going out of business. The stock is cheap trading at a fraction of the nearly $500 million sales target for 2023, but MoneyLion wouldn't trade below $1, if risks didn't exist. At Investor Day 2022, MoneyLion (ML) executives highlighted the big plans of the small fintech. The company continued forward with an intent to create a financial Super App with a robust business focused on investment content along with products to help consumers. My investment thesis remains ultra Bullish on the stock with the irrational dip below $1 making MoneyLion a top pick for 2023. Booming Medium-Term Targets MoneyLion trading below $1 remains bizarre with the company growing revenues in the 100% range since the company came public via the SPAC deal back in 2021. The fintech did cut 2022 financial targets following a dip in enterprise revenue expectations as other fintechs pull back on marketing spend. The market should've been relieved that MoneyLion maintained strong financial targets through the next couple of years. The fintech is now targeting revenue growth between 35% to 50% through the medium-term, which the CFO defined as the next 2 to 3 years at the Investor Day. Source: MoneyLion Investor Day '22 presentation The company has a unique business model for fintechs with a focus on enterprise revenues from working with other fintech partners. MoneyLion provides investment content for users along with connecting those members to financial partners offering financial solutions, such as house or car loans. In the future, the fintech plans to benefit as much from affiliate and advertising fees as instant transfer fee and interest income. MoneyLion plans for a 50/50 revenue diversification from consumer and enterprise revenues of their 5.4 million members at the end of Q3'22. Source: Investor Day 2022 presentation MoneyLion cut the Q4 and 2022 financial targets due to a decrease in enterprise partner spending with a looming recession. The fintech still forecasts a robust revenue target for the year at $325 million. The market doesn't like EBITDA losing companies in this current weak economic environment, but MoneyLion should've ended the year not too far from EBITDA profits. The company lost $14 million in Q3'22 and between cost initiatives and revenue growth, the amount should approach breakeven very quickly with the goal of reaching 20% adjusted EBITDA margins in the medium term. Source: MoneyLion Investor Day '22 presentation Very important to note that MoneyLion isn't targeting 20%+ adjusted EBITDA margins in the long term, the company is forecasting the positive margin in the next few years. The fintech could be talking about adjusted EBITDA topping $100 million by 2025. MoneyLion has these key financial targets from the Investor Day for the medium-term targets: 35-50% revenue CAGR 55-65% adj. gross profit margin 20-30% positive adj. EBITDA margin The company suggests the medium term means 2 to 3 years leading to the below financial targets for 2025: Revenue: $325M @ 42.5% growth = $940M Adj. EBITDA: $940M @ 25% margin = $235M 20x Adj. EBITDA multiple = $4.7B market cap The stock only has a current market cap of ~$225 million providing substantial upside potential, if MoneyLion only hits the targets. Of course, the fintech hasn't hit targets having just cut expectations for Q4. Analysts already forecast MoneyLion hitting nearly $15 million in positive EBITDA next year. The fintech reported an EBITDA loss of $14 million in the last quarter, so the team has a lot of work to close the gap. Data by YCharts The company stripped out $15 million in fixed costs starting in Q4 amounting to ~$3.5 million per quarter. Clearly, the next quarterly report must show material progressing in shifting from large EBITDA losses to at least breakeven for the stock to work here. Limited Analyst Coverage The biggest issue with MoneyLion appears related to the company coming public via a SPAC. The stock has no support from analysts despite an average price target of $4. Source: TipRanks At Investor Day 2022, the analysts didn't ask any questions or provide any updated financial information. The stock should have far more analyst coverage with a revenue base of $320 million heading to nearly $500 million in 2023.Seeking Alpha • Dec 08
MoneyLion forecasts 35%-50% adjusted revenue CAGR
MoneyLion (NYSE:ML) sees medium term adjusted revenue CAGR of 35%-50% and adjusted gross profit margin 55%-65%, with an 20%-30% adjusted EBITDA positive margins.이익 및 매출 성장 예측
| 날짜 | 매출 | 이익 | 자유현금흐름 | 영업현금흐름 | 평균 애널리스트 수 |
|---|---|---|---|---|---|
| 12/31/2026 | 837 | 68 | N/A | N/A | 2 |
| 12/31/2025 | 670 | 43 | 87 | 101 | 3 |
| 12/31/2024 | 546 | 9 | 192 | 201 | N/A |
| 9/30/2024 | 500 | 3 | 174 | 184 | N/A |
| 6/30/2024 | 475 | 2 | 152 | 160 | N/A |
| 3/31/2024 | 451 | -26 | 140 | 147 | N/A |
| 12/31/2023 | 423 | -45 | 110 | 116 | N/A |
| 9/30/2023 | 405 | -177 | 81 | 87 | N/A |
| 6/30/2023 | 384 | -196 | 42 | 51 | N/A |
| 3/31/2023 | 365 | -196 | 6 | 15 | N/A |
| 12/31/2022 | 341 | -196 | -6 | 3 | N/A |
| 9/30/2022 | 301 | -95 | -23 | -16 | N/A |
| 6/30/2022 | 257 | -47 | -26 | -23 | N/A |
| 3/31/2022 | 208 | -70 | -22 | -21 | N/A |
| 12/31/2021 | 171 | -140 | -9 | -9 | N/A |
| 9/30/2021 | 138 | -141 | -1 | 0 | N/A |
| 6/30/2021 | 117 | -177 | 10 | 10 | N/A |
| 3/31/2021 | 96 | -135 | 4 | 5 | N/A |
| 12/31/2020 | 79 | -67 | 2 | 3 | N/A |
| 12/31/2019 | 59 | -103 | -49 | -46 | N/A |
애널리스트 향후 성장 전망
수입 대 저축률: ML 의 연간 예상 수익 증가율(77.3%)이 saving rate(2.8%)보다 높습니다.
수익 vs 시장: ML 의 연간 수익(77.3%)이 US 시장(18.2%)보다 빠르게 성장할 것으로 예상됩니다.
고성장 수익: ML 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.
수익 대 시장: ML 의 수익(연간 21.1%)이 US 시장(연간 13%)보다 빠르게 성장할 것으로 예상됩니다.
고성장 매출: ML 의 수익(연간 21.1%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.
주당순이익 성장 예측
향후 자기자본이익률
미래 ROE: ML의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.
성장 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2025/04/16 08:54 |
| 종가 | 2025/04/16 00:00 |
| 수익 | 2024/12/31 |
| 연간 수익 | 2024/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
MoneyLion Inc.는 1명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Kyle Peterson | Needham & Company |