MONEYLION INC (ML) Stock Fundamental Analysis
USA - NYSE:ML - US60938K3041 - Common Stock
85.9 USD
+0.2 (+0.23%)
86.5 USD
+0.6 (+0.7%)
ML gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 55 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!
1. Profitability
1.1 Basic Checks
ML had positive earnings in the past year.
In the past year ML had a positive cash flow from operations.
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.
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.
Looking at the Return On Invested Capital, with a value of 4.83%, ML is in the better half of the industry, outperforming 64.15% of the companies in the same industry.
| 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 has a Profit Margin of 1.68%. This is in the lower half of the industry: ML underperforms 73.58% of its industry peers.
ML has a Operating Margin (4.88%) which is comparable to the rest of the industry.
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 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.
The number of shares outstanding for ML has been increased compared to 1 year ago.
ML has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ML has been reduced compared to a year ago.
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.
The Altman-Z score of ML (2.41) is better than 75.47% of its industry peers.
The Debt to FCF ratio of ML is 0.62, which is an excellent value as it means it would take ML, only 0.62 years of fcf income to pay off 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.
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's Current ratio of 3.59 is amongst the best of the industry. ML outperforms 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
The Earnings Per Share has grown by an impressive 140.76% over the past year.
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
The Price/Earnings ratio is 114.53, which means the current valuation is very expensive for ML.
83.02% of the companies in the same industry are cheaper than ML, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.00. ML is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 24.92, the valuation of ML can be described as rather expensive.
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.
ML is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.53 | ||
| Fwd PE | 24.92 |
4.2 Price Multiples
ML's Enterprise Value to EBITDA ratio is in line with 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 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 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
Graham NumberN/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
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 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
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 for 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.
What is the financial health of MONEYLION INC (ML) stock?
The financial health rating of MONEYLION INC (ML) is 7 / 10.