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 52 industry peers in the Consumer Finance industry. ML has a great financial health rating, but its profitability evaluates not so good. ML is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year ML was profitable.
In the past year ML had a positive cash flow from operations.
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
With a Return On Assets value of 1.76%, ML perfoms like the industry average, outperforming 47.17% of the companies in the same industry.
The Return On Equity of ML (3.14%) is worse than 71.70% of its industry peers.
The Return On Invested Capital of ML (4.83%) is better 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.
Looking at the Operating Margin, with a value of 4.88%, ML is in line with its industry, outperforming 43.40% of the companies in the same industry.
The Gross Margin of ML (73.18%) is better than 67.92% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ML is destroying value.
ML has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ML has more shares outstanding
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 has a better Altman-Z score (2.41) than 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.
ML has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
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 Current ratio of 3.59. This is amongst the best in 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
The Earnings Per Share has grown by an impressive 140.76% over the past year.
The Revenue has grown by 28.91% in the past year. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 177.82% on average over the next years. This is a very strong growth
Based on estimates for the next years, ML will show a very strong growth in Revenue. The Revenue will grow by 24.80% on average per year.
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
Based on the Price/Earnings ratio of 114.53, the valuation of ML can be described as expensive.
Based on the Price/Earnings ratio, ML is valued 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 28.22.
Based on the Price/Forward Earnings ratio of 24.92, the valuation of ML can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ML indicates a slightly more expensive valuation: ML is more expensive than 66.04% of the companies listed in the same industry.
ML's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 20.86.
| 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 the industry average as 62.26% of the companies are valued more expensively.
| 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.
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
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 Change0.11%
Ins Owners12.64%
Ins Owner Change-2.62%
Market Cap972.39M
Analysts77.14
Price Target84.45 (-1.69%)
Short Float %7.11%
Short Ratio3.12
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