MoneyLion (NYSE:ML) - Share price, News & Analysis

ML fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

ML Stock Overview

MoneyLion Inc. provides a digital financial platform.

Rewards

Trading at 96.9% below our estimate of its fair value

Revenue is forecast to grow 52.46% per year

Revenue grew by 107.1% over the past year

Risk Analysis

Highly volatile share price over the past 3 months

Currently unprofitable and not forecast to become profitable over the next 3 years

MoneyLion Competitors

Price History & Performance

Summary of all time highs, changes and price drops for MoneyLion
Historical stock prices
Current Share Price	US$1.64
52 Week High	US$11.34
52 Week Low	US$1.17
Beta	0
1 Month Change	6.49%
3 Month Change	-34.92%
1 Year Change	-83.50%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-83.27%

Recent News & Updates

Jun 09

MoneyLion: Bullish On Path To Profitability

MoneyLion reported its Q1 results highlighted by revenues more than doubling over the past year from its personal finance fintech platform. Management expects the positive momentum to continue with a target of reaching breakeven adjusted EBITDA by year-end. We are bullish on shares following what has been a deep selloff with the current level representing a compelling reward-to-risk setup.

Shareholder Returns

	ML	US Consumer Finance	US Market
7D	5.1%	2.9%	6.6%
1Y	-83.5%	-29.9%	-18.5%

Return vs Industry: ML underperformed the US Consumer Finance industry which returned -29.9% over the past year.

Return vs Market: ML underperformed the US Market which returned -18.5% over the past year.

Price Volatility

Is ML's price volatile compared to industry and market?
ML volatility
ML Average Weekly Movement	16.8%
Consumer Finance Industry Average Movement	9.0%
Market Average Movement	8.0%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: ML is more volatile than 90% of US stocks over the past 3 months, typically moving +/- 17% a week.

Volatility Over Time: ML's weekly volatility (17%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
2013	556	Dee Choubey	https://www.moneylion.com

MoneyLion Inc. provides a digital financial platform. The company’s platform offers access to banking, borrowing, and investing solutions for customers. Its principal products include roarmoney premium mobile banking, personalized investing, cryptocurrency, instacash, membership programs, financial tracking tools, online financial education content destination, affiliated marketing programs, unsecured personal loans, and credit-related decision servicing.

MoneyLion Fundamentals Summary

How do MoneyLion's earnings and revenue compare to its market cap?
ML fundamental statistics
Market Cap	US$386.49m
Earnings (TTM)	-US$60.94m
Revenue (TTM)	US$191.17m

2.0x

P/S Ratio

-6.3x

P/E Ratio

Is ML overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
ML income statement (TTM)
Revenue	US$191.17m
Cost of Revenue	US$74.73m
Gross Profit	US$116.44m
Other Expenses	US$177.38m
Earnings	-US$60.94m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	-0.26
Gross Margin	60.91%
Net Profit Margin	-31.87%
Debt/Equity Ratio	55.0%

How did ML perform over the long term?

See historical performance and comparison

We’ve recently updated our valuation analysis.

Valuation

Is ML undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ML?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for ML. This is calculated by dividing ML's market cap by their current preferred multiple.
What is ML's n/a Ratio?
n/a Ratio	0x
n/a	n/a
Market Cap	US$386.49m

ML key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	3.4x
Enterprise Value/EBITDA	-10.1x
PEG Ratio	n/a

Price to Book Ratio vs Peers

How does ML's PB Ratio compare to its peers?

ML PB Ratio vs Peers

The above table shows the PB ratio for ML vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	PB	Estimated Growth	Market Cap
Peer Average	0.7x

Price-To-Book vs Peers: ML is expensive based on its Price-To-Book Ratio (1.6x) compared to the peer average (0.7x).

Price to Earnings Ratio vs Industry

How does ML's PE Ratio compare vs other companies in the U.S. Consumer Finance Industry?

Price-To-Book vs Industry: ML is expensive based on its Price-To-Book Ratio (1.6x) compared to the US Consumer Finance industry average (1.1x)

Price to Book Ratio vs Fair Ratio

What is ML's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ML PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio	1.6x
Fair PB Ratio	n/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate ML's Price-To-Book Fair Ratio for valuation analysis.

Share Price vs Fair Value

What is the Fair Price of ML when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ML ($1.64) is trading below our estimate of fair value ($52.41)

Significantly Below Fair Value: ML is trading below fair value by more than 20%.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ML's PEG Ratio to determine if it is good value.

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Future Growth

How is MoneyLion forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

2/6

Future Growth Score 2/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

24.4%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ML is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: ML is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: ML is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: ML's revenue (52.5% per year) is forecast to grow faster than the US market (8.4% per year).

High Growth Revenue: ML's revenue (52.5% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if ML's Return on Equity is forecast to be high in 3 years time

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Past Performance

How has MoneyLion performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

54.8%

Last years earnings growth

Earnings and Revenue History

Quality Earnings: ML is currently unprofitable.

Growing Profit Margin: ML is currently unprofitable.

Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if ML's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Unable to compare ML's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: ML is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (17.4%).

Return on Equity

High ROE: ML has a negative Return on Equity (-22.25%), as it is currently unprofitable.

Discover strong past performing companies

Financial Health

How is MoneyLion's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Stable Cash Runway
Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: ML's short term assets ($420.2M) exceed its short term liabilities ($45.7M).

Long Term Liabilities: ML's short term assets ($420.2M) exceed its long term liabilities ($325.5M).

Debt to Equity History and Analysis

Debt Level: ML's net debt to equity ratio (12.8%) is considered satisfactory.

Reducing Debt: Insufficient data to determine if ML's debt to equity ratio has reduced over the past 5 years.

Balance Sheet

Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: ML has sufficient cash runway for more than 3 years based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if ML has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.

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Dividend

What is MoneyLion current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate ML's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate ML's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if ML's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ML's dividend payments have been increasing.

Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as ML has not reported any payouts.

Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.2yrs

Average management tenure

CEO

Dee Choubey (39 yo)

9.42yrs

Tenure

US$4,852,352

Compensation

Mr. Diwakar M Choubey, also known as Dee, is Co-Founder of MoneyLion Inc. since 2013 and also serves as its Chief Executive Officer since March 6, 2020 and Director and President. He is Chief Executive Off...

CEO Compensation Analysis

Compensation vs Market: Dee's total compensation ($USD4.85M) is above average for companies of similar size in the US market ($USD2.84M).

Compensation vs Earnings: Dee's compensation has increased whilst the company is unprofitable.

Leadership Team

Experienced Management: ML's management team is not considered experienced ( 0.2 years average tenure), which suggests a new team.

Board Members

Experienced Board: ML's board of directors are not considered experienced ( 1.4 years average tenure), which suggests a new board.

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: ML insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2022/06/25 00:00
End of Day Share Price	2022/06/24 00:00
Earnings	2022/03/31
Annual Earnings	2021/12/31