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MoneyLion (ML)
NYSE:ML
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MoneyLion
(NYSE:ML)
69Neutral
Positive Factors
Earnings
MoneyLion reported strong results, beating expectations on both revenue and profit.
Financial Performance
MoneyLion reported solid 4Q performance with a year-over-year revenue acceleration to 40% growth, exceeding forecasts.
Mergers & Acquisitions
The combination of MoneyLion and Gen Digital is expected to lead to both revenue and cost synergies due to a large customer base and extensive consumer data.
Negative Factors
Risks
The largest risk to shareholders is the share price of GEN over the following 24 months and the stability of its stock.
Stock Performance
The shares are expected to be range-bound due to the anticipated acquisition by Gen Digital.
Valuation
The acquisition by Gen Digital leaves little upside in MoneyLion shares in the near term, leading to a downgrade from Buy to Neutral.
MoneyLion (ML) vs. S&P 500 (SPY)
Market Cap
$972.40M
Dividend YieldN/A
Average Volume (3M)272.37K
Price to Earnings (P/E)114.8
Beta (1Y)2.21
Revenue Growth28.92%
EPS GrowthN/A
CountryUS
Employees575
SectorTechnology
Sector Strength45
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.75
Shares Outstanding11,320,000
10 Day Avg. Volume566,946
30 Day Avg. Volume272,374
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)1.82
Price to Cash Flow (P/CF)4.20
P/FCF Ratio3.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$86.00Price Target Upside0.12% Upside
Rating ConsensusHold
Number of Analyst Covering4
MoneyLion Business Overview & Revenue Model
Company DescriptionMoneyLion Inc. is a digital financial services company based in the United States, primarily operating in the fintech sector. The company offers a suite of services aimed at empowering consumers to take control of their finances. These services include digital banking, personal loans, credit-building tools, and investment services through an integrated mobile app. MoneyLion positions itself as a one-stop financial platform providing accessible financial products that cater to the needs of its users.
How the Company Makes MoneyMoneyLion generates revenue through a multifaceted business model that includes subscription fees, interest income, and transaction-based fees. The company offers a subscription service called MoneyLion Plus, which provides users access to premium financial management tools and resources. Additionally, MoneyLion earns interest income from personal loans issued to customers. Transaction-based fees are collected from interchange fees when users utilize the MoneyLion debit card for purchases. Partnerships with financial institutions and other businesses also contribute to its revenue streams by expanding its service offerings and customer base.
MoneyLion Financial Statement Overview
Summary
MoneyLion exhibits strong financial health with significant revenue and cash flow growth, improved profitability, and a solid equity position with no debt. The company's financial trajectory is positive with effective cash management and operational improvements, positioning it well for future stability and growth in the competitive software industry.Income Statement
MoneyLion has shown impressive revenue growth at 28.89% from 2023 to 2024, with a significant improvement in profitability, turning a negative net income in 2023 to a positive $26.3 million in 2024. The gross profit margin improved to 74.97%, and net profit margin turned positive at 4.82%. However, the EBIT and EBITDA margins, while positive, are relatively modest at 4.88% and 4.88% respectively, suggesting room for operational efficiency improvements.85
Very Positive
Balance Sheet
The balance sheet shows a strong equity position with stockholders' equity at $290.94 million, and zero total debt, leading to a favorable debt-to-equity ratio of 0.00. The equity ratio is healthy at 56.11%, indicating a stable financial structure. The return on equity significantly improved to 9.03% due to profitable operations. However, the decrease in total liabilities and increase in equity suggest effective management of financial resources.78
Positive
Cash Flow
Cash flow statements reveal a robust growth in operating cash flow by 72.80% from 2023 to 2024, with free cash flow also increasing significantly. The operating cash flow to net income ratio is high at 7.65, reflecting strong cash-generating capability relative to net income. The free cash flow to net income ratio is also healthy at 7.30, indicating excellent cash management and liquidity.92
Very Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 545.90M | 423.43M | 340.75M | 171.11M | 79.41M | Gross Profit |
| 409.26M | 266.62M | 234.33M | 162.25M | 75.08M | EBIT |
| 26.65M | -5.34M | -118.99M | -112.14M | -24.39M | EBITDA |
| 59.40M | 7.17M | -163.23M | -159.78M | -37.52M | Net Income Common Stockholders |
| 9.15M | -45.24M | -190.30M | -164.88M | -41.59M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 139.98M | 92.19M | 115.86M | 201.76M | 19.41M | Total Assets |
| 518.59M | 515.26M | 596.34M | 491.54M | 123.64M | Total Debt |
| 118.53M | 196.74M | 232.01M | 186.59M | 46.60M | Net Debt |
| -21.44M | 102.26M | 116.15M | -15.17M | 27.20M | Total Liabilities |
| 227.65M | 258.04M | 498.42M | 258.30M | 92.24M | Stockholders Equity |
| 290.94M | 257.22M | 97.93M | 233.23M | -40.45M |
| Cash Flow | Free Cash Flow | |||
| 191.86M | 110.34M | -5.53M | -9.05M | 1.84M | Operating Cash Flow |
| 201.02M | 116.35M | 3.36M | -8.57M | 3.03M | Investing Cash Flow |
| -68.45M | -127.56M | -141.55M | -144.36M | -42.75M | Financing Cash Flow |
| -76.61M | -48.01M | 45.67M | 378.23M | 14.83M |
MoneyLion Technical Analysis
Neutral
85.90
Price Trends
86.75
Negative
86.50
Negative
70.14
Positive
Market Momentum
-0.41
Positive
46.16
Neutral
60.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ML, the sentiment is Neutral. The current price of 85.9 is below the 20-day moving average (MA) of 86.53, below the 50-day MA of 86.75, and above the 200-day MA of 70.14, indicating a neutral trend. The MACD of -0.41 indicates Positive momentum. The RSI at 46.16 is Neutral, neither overbought nor oversold. The STOCH value of 60.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ML.
MoneyLion Risk Analysis
MoneyLion disclosed 61 risk factors in its most recent earnings report. MoneyLion reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MoneyLion Peers Comparison
Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $1.10B | 19.76 | 42.84% | ― | 33.94% | ― | |
74 Outperform | $717.16M | 43.21 | 33.59% | ― | 2.71% | ― | |
69 Neutral | $972.40M | 114.79 | 3.34% | ― | 28.92% | ― | |
68 Neutral | $896.21M | 75.69 | 4.84% | ― | 12.50% | ― | |
67 Neutral | $1.01B | ― | -0.13% | ― | 24.81% | 98.55% | |
66 Neutral | $807.77M | 376.47 | 3.87% | ― | 29.74% | ― | |
58 Neutral | $10.03B | 10.00 | -6.85% | 3.09% | 7.49% | -11.58% |
* Technology Sector Average
Performance Comparison
ML
MoneyLion
85.90
17.37
25.35%
OPFI
OppFi
7.98
5.00
167.79%
DSP
Viant Technology
11.98
3.25
37.23%
OLO
Olo
5.86
1.16
24.68%
DAVE
Dave
80.66
44.44
122.69%
VTEX
VTEX
4.84
-2.65
-35.38%
MoneyLion Earnings Call Summary
Earnings Call Date: Feb 25, 2025 | % Change Since: 0.47% | Next Earnings Date: May 13, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong quarter for MoneyLion with record revenue and significant customer growth. The launch of new products and strategic initiatives like MoneyLion Checkout are expected to drive future growth. However, there are some concerns regarding regulatory challenges and the impact of the current credit cycle. Overall, the positive highlights significantly outweigh the lowlights.Highlights
Record Quarterly Revenue
Achieved record quarterly revenue of $135 million, representing 23% year-over-year growth. Raised full year 2024 revenue guidance to $536 million to $541 million, up from $525 million to $535 million.
Strong Adjusted EBITDA Performance
Generated record adjusted EBITDA of $24 million for the quarter, exceeding the guidance range of $18 million to $21 million. Adjusted EBITDA margin was 18%, above the high end of the guidance.
Enterprise Revenue Growth
Generated record Enterprise revenue with growth of 18% quarter-over-quarter to $45 million, reflecting continued momentum.
Customer Growth
Ended the third quarter with 18.7 million total customers, marking a 54% year-over-year increase. Total customers have grown about 3.5x since Q3 2022.
MoneyLion Checkout Launch
Launched MoneyLion Checkout, an end-to-end solution that unifies and simplifies the financial product shopping experience, which has already shown a 25% improvement in click-through rates and a 2.5x increase in conversions.
Lowlights
Regulatory Challenges
Concerns about potential regulation from the CFPB on earned wage access, although MoneyLion believes it is well-prepared for changes.
Current Credit Cycle Impact
Although conversion rates are improving, they still remain below historical levels, impacting the largest vertical, personal loans.
Company Guidance
During MoneyLion's Q3 2024 earnings call, the company provided updated guidance reflecting strong performance and optimism for future growth. MoneyLion reported a record quarterly revenue of $135 million, marking a 23% year-over-year increase, and raised its full-year revenue guidance to a range of $536 million to $541 million, up from the previous guidance of $525 million to $535 million. The company also achieved record adjusted EBITDA of $24 million, exceeding the guidance range of $18 million to $21 million, with an adjusted EBITDA margin of 18%. For Q4 2024, MoneyLion anticipates revenue growth of 32% to 36% year-over-year, targeting a revenue range of $149 million to $154 million, and expects adjusted EBITDA between $22 million and $27 million. The company also highlighted substantial growth in Enterprise revenue, which increased 18% quarter-over-quarter to $45 million, and projected further acceleration in Q4. Additionally, MoneyLion ended Q3 with 18.7 million total customers, a 54% year-over-year increase, and a cash balance of $112 million, up from $98 million at the end of Q2.MoneyLion Corporate Events
Delistings and Listing ChangesExecutive/Board ChangesM&A Transactions
MoneyLion Merges with Gen Digital, Delists from NYSE
Neutral
Apr 17, 2025
On April 17, 2025, MoneyLion completed a merger with Gen Digital, resulting in MoneyLion becoming a wholly owned subsidiary of Gen Digital. As part of this merger, MoneyLion repaid all loans, terminated credit commitments, and requested the suspension and removal of its shares from the New York Stock Exchange. Additionally, the company announced adjustments to the exercise price of its warrants, effective until May 17, 2025, and changes to its corporate governance structure, including the resignation of its directors and amendments to its certificate of incorporation and bylaws.
Spark’s Take on ML Stock
According to Spark, TipRanks’ AI Analyst, ML is a Neutral.
MoneyLion demonstrates strong financial performance with impressive revenue and cash flow growth, alongside improved profitability and a debt-free balance sheet. However, the stock’s high P/E ratio raises concerns about overvaluation, and technical indicators show only moderate bullish momentum. These factors combine to produce a solid but cautious overall stock score.
To see Spark’s full report on ML stock, click here.
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.