MONEYLION INC (ML) Stock Fundamental Analysis

NYSE:ML • US60938K3041

85.9 USD
+0.2 (+0.23%)
At close: Apr 16, 2025
86.5 USD
+0.6 (+0.7%)
After Hours: 4/16/2025, 8:27:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

ML gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. ML has a great financial health rating, but its profitability evaluates not so good. ML is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ML was profitable.
  • ML had a positive operating cash flow in the past year.
  • In the past 5 years ML reported 4 times negative net income.
  • Of the past 5 years ML 4 years had a positive operating cash flow.
ML Yearly Net Income VS EBIT VS OCF VS FCFML Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

  • The Return On Assets of ML (1.76%) is comparable to the rest of the industry.
  • ML has a worse Return On Equity (3.14%) than 71.70% of its industry peers.
  • With a decent Return On Invested Capital value of 4.83%, ML is doing good in the industry, outperforming 64.15% of the companies in the same industry.
Industry RankSector Rank
ROA 1.76%
ROE 3.14%
ROIC 4.83%
ROA(3y)-13.25%
ROA(5y)-24.5%
ROE(3y)-28.7%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ML Yearly ROA, ROE, ROICML Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 100 -100 200 300

1.3 Margins

  • Looking at the Profit Margin, with a value of 1.68%, ML is doing worse than 73.58% of the companies in the same industry.
  • ML has a Operating Margin of 4.88%. This is comparable to the rest of the industry: ML outperforms 43.40% of its industry peers.
  • ML has a better Gross Margin (73.18%) than 67.92% of its industry peers.
  • In the last couple of years the Gross Margin of ML has declined.
Industry RankSector Rank
OM 4.88%
PM (TTM) 1.68%
GM 73.18%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.45%
GM growth 5Y-4.89%
ML Yearly Profit, Operating, Gross MarginsML Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ML is destroying value.
  • The number of shares outstanding for ML has been increased compared to 1 year ago.
  • Compared to 5 years ago, ML has more shares outstanding
  • The debt/assets ratio for ML has been reduced compared to a year ago.
ML Yearly Shares OutstandingML Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ML Yearly Total Debt VS Total AssetsML Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

  • An Altman-Z score of 2.41 indicates that ML is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With a decent Altman-Z score value of 2.41, ML is doing good in the industry, outperforming 75.47% of the companies in the same industry.
  • ML has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of all of its debts.
  • ML's Debt to FCF ratio of 0.62 is amongst the best of the industry. ML outperforms 90.57% of its industry peers.
  • ML has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of ML (0.41) is better than 77.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 0.62
Altman-Z 2.41
ROIC/WACC0.52
WACC9.37%
ML Yearly LT Debt VS Equity VS FCFML Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

  • A Current Ratio of 3.59 indicates that ML has no problem at all paying its short term obligations.
  • ML's Current ratio of 3.59 is amongst the best of the industry. ML outperforms 81.13% of its industry peers.
  • ML has a Quick Ratio of 3.59. This indicates that ML is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of ML (3.59) is better than 83.02% of its industry peers.
Industry RankSector Rank
Current Ratio 3.59
Quick Ratio 3.59
ML Yearly Current Assets VS Current LiabilitesML Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 140.76% over the past year.
  • Looking at the last year, ML shows a very strong growth in Revenue. The Revenue has grown by 28.91%.
  • ML shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 55.32% yearly.
EPS 1Y (TTM)140.76%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.42%
Revenue 1Y (TTM)28.91%
Revenue growth 3Y47.22%
Revenue growth 5Y55.32%
Sales Q2Q%40.39%

3.2 Future

  • Based on estimates for the next years, ML will show a very strong growth in Earnings Per Share. The EPS will grow by 177.82% on average per year.
  • The Revenue is expected to grow by 24.80% on average over the next years. This is a very strong growth
EPS Next Y359.52%
EPS Next 2Y177.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.87%
Revenue Next 2Y24.8%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
ML Yearly Revenue VS EstimatesML Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
ML Yearly EPS VS EstimatesML Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0 5 -5 -10

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • ML is valuated quite expensively with a Price/Earnings ratio of 114.53.
  • ML's Price/Earnings ratio is rather expensive when compared to the industry. ML is more expensive than 83.02% of the companies in the same industry.
  • ML's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.98.
  • A Price/Forward Earnings ratio of 24.92 indicates a rather expensive valuation of ML.
  • Based on the Price/Forward Earnings ratio, ML is valued a bit more expensive than 66.04% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ML to the average of the S&P500 Index (28.01), we can say ML is valued inline with the index average.
Industry RankSector Rank
PE 114.53
Fwd PE 24.92
ML Price Earnings VS Forward Price EarningsML Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • ML's Enterprise Value to EBITDA ratio is in line with the industry average.
  • ML's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ML is cheaper than 62.26% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.07
EV/EBITDA 18.18
ML Per share dataML EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ML's earnings are expected to grow with 177.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y177.82%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ML!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

MONEYLION INC

NYSE:ML (4/16/2025, 8:27:51 PM)

After market: 86.5 +0.6 (+0.7%)

85.9

+0.2 (+0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners61.5%
Inst Owner Change0%
Ins Owners12.64%
Ins Owner Change0%
Market Cap972.39M
Revenue(TTM)545.90M
Net Income(TTM)9.15M
Analysts77.14
Price Target84.45 (-1.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-147.44%
Min EPS beat(2)-218.4%
Max EPS beat(2)-76.48%
EPS beat(4)2
Avg EPS beat(4)154.14%
Min EPS beat(4)-218.4%
Max EPS beat(4)846.83%
EPS beat(8)6
Avg EPS beat(8)107%
EPS beat(12)10
Avg EPS beat(12)88.78%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.16%
Min Revenue beat(2)-2.72%
Max Revenue beat(2)2.41%
Revenue beat(4)3
Avg Revenue beat(4)0.17%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)2.41%
Revenue beat(8)5
Avg Revenue beat(8)0.03%
Revenue beat(12)8
Avg Revenue beat(12)0.05%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-9.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.51%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.76%
Valuation
Industry RankSector Rank
PE 114.53
Fwd PE 24.92
P/S 1.78
P/FCF 5.07
P/OCF 4.84
P/B 3.34
P/tB 7.46
EV/EBITDA 18.18
EPS(TTM)0.75
EY0.87%
EPS(NY)3.45
Fwd EY4.01%
FCF(TTM)16.95
FCFY19.73%
OCF(TTM)17.76
OCFY20.67%
SpS48.22
BVpS25.7
TBVpS11.52
PEG (NY)0.32
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.76%
ROE 3.14%
ROCE 6.11%
ROIC 4.83%
ROICexc 7.11%
ROICexgc 16.63%
OM 4.88%
PM (TTM) 1.68%
GM 73.18%
FCFM 35.14%
ROA(3y)-13.25%
ROA(5y)-24.5%
ROE(3y)-28.7%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.45%
GM growth 5Y-4.89%
F-Score8
Asset Turnover1.05
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 0.62
Debt/EBITDA 2.27
Cap/Depr 35.72%
Cap/Sales 1.68%
Interest Coverage 1.13
Cash Conversion 384.33%
Profit Quality 2097.7%
Current Ratio 3.59
Quick Ratio 3.59
Altman-Z 2.41
F-Score8
WACC9.37%
ROIC/WACC0.52
Cap/Depr(3y)33.65%
Cap/Depr(5y)45.65%
Cap/Sales(3y)1.9%
Cap/Sales(5y)1.5%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)140.76%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%142.42%
EPS Next Y359.52%
EPS Next 2Y177.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)28.91%
Revenue growth 3Y47.22%
Revenue growth 5Y55.32%
Sales Q2Q%40.39%
Revenue Next Year23.87%
Revenue Next 2Y24.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y598.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year243.03%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y73.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y72.78%
OCF growth 3YN/A
OCF growth 5YN/A

MONEYLION INC / ML FAQ

What is the ChartMill fundamental rating of MONEYLION INC (ML) stock?

ChartMill assigns a fundamental rating of 5 / 10 to ML.


What is the valuation status of MONEYLION INC (ML) stock?

ChartMill assigns a valuation rating of 4 / 10 to MONEYLION INC (ML). This can be considered as Fairly Valued.


How profitable is MONEYLION INC (ML) stock?

MONEYLION INC (ML) has a profitability rating of 3 / 10.


How financially healthy is MONEYLION INC?

The financial health rating of MONEYLION INC (ML) is 7 / 10.