MONEYLION INC (ML) Stock Fundamental Analysis
NYSE:ML - New York Stock Exchange, Inc. - US60938K3041 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to ML. ML was compared to 51 industry peers in the Consumer Finance industry. While ML has a great health rating, there are worries on its profitability. ML is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
ML had positive earnings in the past year.
ML had a positive operating cash flow in the past year.
In the past 5 years ML reported 4 times negative net income.
ML had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ML has a Return On Assets of 1.76%. This is comparable to the rest of the industry: ML outperforms 47.17% of its industry peers.
Looking at the Return On Equity, with a value of 3.14%, ML is doing worse than 71.70% of the companies in the same industry.
ML has a better Return On Invested Capital (4.83%) than 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.
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.
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.
ML has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ML has been increased compared to 5 years ago.
Compared to 1 year ago, ML has an improved debt to assets ratio.
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.
ML's Altman-Z score of 2.41 is fine compared to the rest of the industry. ML outperforms 75.47% of its industry peers.
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 has a Debt to FCF ratio of 0.62. This is amongst the best in the industry. ML outperforms 90.57% of its industry peers.
A Debt/Equity ratio of 0.41 indicates that ML is not too dependend on debt financing.
ML has a Debt to Equity ratio of 0.41. This is in the better half 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 has a better Current ratio (3.59) than 81.13% of its industry peers.
A Quick Ratio of 3.59 indicates that ML has no problem at all paying its short term obligations.
ML's Quick ratio of 3.59 is amongst the best of the industry. ML outperforms 83.02% of its industry peers.
| 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
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.
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
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
ML is valuated quite expensively with a Price/Earnings ratio of 114.53.
83.02% of the companies in the same industry are cheaper than ML, based on the Price/Earnings ratio.
ML's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.25.
With a Price/Forward Earnings ratio of 24.92, ML is valued on the expensive side.
Based on the Price/Forward Earnings ratio, ML is valued a bit more expensive than the industry average as 66.04% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.15. ML is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.53 | ||
| Fwd PE | 24.92 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ML.
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
ML does not give a dividend.
| 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 Change26.35%
Ins Owners12.64%
Ins Owner Change-2.38%
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