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

Overall ML gets a fundamental rating of 5 out of 10. We evaluated ML against 54 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for ML as it has an excellent financial health rating, but there are worries on the profitability. ML is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

3

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.
  • 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

  • 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.
  • 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

  • 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.
  • With a Operating Margin value of 4.88%, ML perfoms like the industry average, outperforming 43.40% of the companies in the same industry.
  • ML has a Gross Margin of 73.18%. This is in the better half of the industry: ML outperforms 67.92% of its industry peers.
  • ML's Gross Margin has declined in the last couple of years.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
  • Compared to 1 year ago, ML has an improved debt to assets ratio.
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.
  • Looking at the Altman-Z score, with a value of 2.41, ML is in the better half of the industry, outperforming 75.47% of the companies in the same industry.
  • 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.
  • 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.
  • ML has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
  • 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 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

  • 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.
  • With an excellent Current ratio value of 3.59, ML belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
  • 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

More info and screens

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.
  • ML shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.91%.
  • Measured over the past years, ML shows a very strong growth in Revenue. The Revenue has been growing by 55.32% on average per year.
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

More info and screens

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.
  • Based on the Price/Earnings ratio, ML is valued expensively inside the industry as 83.02% of the companies are valued cheaper.
  • When comparing the Price/Earnings ratio of ML to the average of the S&P500 Index (27.10), we can say ML is valued expensively.
  • 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 66.04% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. ML is around the same levels.
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 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 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.
  • 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

More info and screens

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

0

5. Dividend

5.1 Amount

  • ML does not give a dividend.
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.