MONEYLION INC (ML)

US60938K3041 - Common Stock

67.62  +0.32 (+0.48%)

Fundamental Rating

4

Taking everything into account, ML scores 4 out of 10 in our fundamental rating. 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 shows excellent growth, but is valued quite expensive already.



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1

1. Profitability

1.1 Basic Checks

ML had negative earnings in the past year.
ML had a positive operating cash flow in the past year.
ML had negative earnings in each of the past 5 years.
In multiple years ML reported negative operating cash flow during the last 5 years.

1.2 Ratios

ML's Return On Assets of -8.65% is on the low side compared to the rest of the industry. ML is outperformed by 80.39% of its industry peers.
ML has a Return On Equity of -17.34%. This is in the lower half of the industry: ML underperforms 74.51% of its industry peers.
Industry RankSector Rank
ROA -8.65%
ROE -17.34%
ROIC N/A
ROA(3y)-23.29%
ROA(5y)-46.04%
ROE(3y)-50.72%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

With a decent Gross Margin value of 70.15%, ML is doing good in the industry, outperforming 68.63% of the companies in the same industry.
In the last couple of years the Gross Margin of ML has declined.
The Profit Margin and Operating Margin are not available for ML so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 70.15%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-9.48%
GM growth 5YN/A

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7

2. Health

2.1 Basic Checks

ML does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ML has more shares outstanding
Compared to 1 year ago, ML has an improved debt to assets ratio.

2.2 Solvency

ML has an Altman-Z score of 1.05. This is a bad value and indicates that ML is not financially healthy and even has some risk of bankruptcy.
ML has a Altman-Z score of 1.05. This is in the better half of the industry: ML outperforms 66.67% of its industry peers.
ML has a debt to FCF ratio of 1.72. This is a very positive value and a sign of high solvency as it would only need 1.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.72, ML belongs to the top of the industry, outperforming 90.20% of the companies in the same industry.
A Debt/Equity ratio of 0.74 indicates that ML is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.74, ML is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF 1.72
Altman-Z 1.05
ROIC/WACCN/A
WACC9.51%

2.3 Liquidity

A Current Ratio of 4.83 indicates that ML has no problem at all paying its short term obligations.
With an excellent Current ratio value of 4.83, ML belongs to the best of the industry, outperforming 84.31% of the companies in the same industry.
A Quick Ratio of 4.83 indicates that ML has no problem at all paying its short term obligations.
ML's Quick ratio of 4.83 is amongst the best of the industry. ML outperforms 84.31% of its industry peers.
Industry RankSector Rank
Current Ratio 4.83
Quick Ratio 4.83

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7

3. Growth

3.1 Past

ML shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.10%, which is quite impressive.
The Revenue has grown by 24.33% in the past year. This is a very strong growth!
Measured over the past years, ML shows a very strong growth in Revenue. The Revenue has been growing by 74.71% on average per year.
EPS 1Y (TTM)73.1%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-650%
Revenue 1Y (TTM)24.33%
Revenue growth 3Y74.71%
Revenue growth 5YN/A
Revenue growth Q2Q19.03%

3.2 Future

The Earnings Per Share is expected to grow by 91.44% on average over the next years. This is a very strong growth
ML is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.55% yearly.
EPS Next Y139.18%
EPS Next 2Y91.44%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year22.96%
Revenue Next 2Y21.55%
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.

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3

4. Valuation

4.1 Price/Earnings Ratio

ML reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 93.79, ML can be considered very expensive at the moment.
70.59% of the companies in the same industry are cheaper than ML, based on the Price/Forward Earnings ratio.
ML is valuated expensively when we compare the Price/Forward Earnings ratio to 20.92, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 93.79

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ML.
ML's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 6.45
EV/EBITDA 41.36

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 91.44% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y91.44%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for ML!.
Industry RankSector Rank
Dividend Yield N/A

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MONEYLION INC

NYSE:ML (5/2/2024, 11:09:13 AM)

67.62

+0.32 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap711.36M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
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Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 93.79
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -8.65%
ROE -17.34%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) N/A
GM 70.15%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.82
Health
Industry RankSector Rank
Debt/Equity 0.74
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 4.83
Quick Ratio 4.83
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)73.1%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y139.18%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)24.33%
Revenue growth 3Y74.71%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y