MONEYLION INC (ML) Stock Fundamental Analysis
NYSE:ML - New York Stock Exchange, Inc. - US60938K3041 - Common Stock - Currency: USD
ML gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. While ML has a great health rating, there are worries on its profitability. ML is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year ML was profitable.
ML had a positive operating cash flow in the past year.
ML had negative earnings in 4 of the past 5 years.
Of the past 5 years ML 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.76%, ML is in line with its industry, outperforming 47.17% of the companies in the same industry.
ML's Return On Equity of 3.14% is on the low side compared to the rest of the industry. ML is outperformed by 71.70% of its industry peers.
ML has a Return On Invested Capital of 4.83%. This is in the better half of the industry: ML outperforms 64.15% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
ML's Profit Margin of 1.68% is on the low side compared to the rest of the industry. ML is outperformed by 73.58% of its industry peers.
With a Operating Margin value of 4.88%, ML perfoms like the industry average, outperforming 43.40% of the companies in the same industry.
With a decent Gross Margin value of 73.18%, ML is doing good in the industry, outperforming 67.92% of the companies in the same industry.
In the last couple of years the Gross Margin of ML has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
ML has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
ML has a better debt/assets ratio than last year.
2.2 Solvency
ML has an Altman-Z score of 2.41. This is not the best score and indicates that ML is in the grey zone with still 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.
With an excellent Debt to FCF ratio value of 0.62, ML belongs to the best of the industry, outperforming 90.57% of the companies in the same industry.
A Debt/Equity ratio of 0.41 indicates that ML is not too dependend on debt financing.
ML's Debt to Equity ratio of 0.41 is fine compared to the rest of the industry. ML outperforms 77.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | 2.41 |
ROIC/WACC0.52
WACC9.37%
2.3 Liquidity
ML has a Current Ratio of 3.59. This indicates that ML is financially healthy and has no problem in meeting 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.
With an excellent Quick ratio value of 3.59, ML belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.59 | ||
| Quick Ratio | 3.59 |
3. Growth
3.1 Past
ML shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 140.76%, which is quite impressive.
ML shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.91%.
The Revenue has been growing by 55.32% on average over the past years. This is a very strong growth!
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
ML is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 177.82% yearly.
ML is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.80% yearly.
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
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 114.53, ML can be considered very expensive at the moment.
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 is valuated expensively when we compare the Price/Earnings ratio to 26.87, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 24.92, which indicates a rather expensive current 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 (35.34), we can say ML is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.53 | ||
| Fwd PE | 24.92 |
4.2 Price Multiples
ML's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, ML is valued a bit cheaper than 62.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.07 | ||
| EV/EBITDA | 18.18 |
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.
A more expensive valuation may be justified as ML's earnings are expected to grow with 177.82% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y177.82%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for ML!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
85.9
+0.2 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners61.5%
Inst Owner Change-15.59%
Ins Owners12.64%
Ins Owner Change-2.28%
Market Cap972.39M
Analysts77.14
Price Target84.45 (-1.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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
Profitability
| Industry Rank | Sector 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
ROICexcg growth 3YN/A
ROICexcg 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 Rank | Sector 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