Moneylion Inc.

Finance
Finance: Consumer Services
investors.moneylion.com

Moat Score

Market Cap $936.89M
PE 291
Debt $NaN
Cash $116.36M
EV $NaN
FCF $174.42M

Earnings

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Sales & Net Margins

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Earnings	$3.23M
EBIT	$19.54M
ROE	1%
ROA	4%
FCF	$174.42M
Equity	$282.47M
Growth Stability	1
PE	290.51
PB	3.32
P/FCF	5.37
P/S	1.87
Price/Cash	0.12
Net Margins	2%
Op. Margins	4%
Sales Growth YoY	23%
Sales Growth QoQ	4%
Sales CAGR	19%
FCF CAGR	14%
Equity CAGR	304%

Earnings Growth YoY	-32%
Earnings Growth QoQ	-189%
Sales CAGR 5Y	19%
FCF CAGR 5Y	14%
Equity CAGR 5Y	304%
Earnings CAGR 3Y	37%
Sales CAGR 3Y	37%
FCF CAGR 3Y	259%
Equity CAGR 3Y	14%
Market Cap	$936.89M
Revenue	$500.28M
Assets	$530.72M
Cash	$116.36M
Shares Outstanding	10.83M
Moat Score	38%
Shares Growth 3y	11%
Equity Growth QoQ	1%
Equity Growth YoY	10%

Assets & ROA

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Stockholders Equity & ROE

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MoneyLion Inc is a mobile banking and financial membership platform that empowers people to take control of their finances.

SEC Filings

Direct access to Moneylion Inc. (ML) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Moneylion Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Moneylion Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Moneylion Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Moneylion Inc..

Years

Calculation mode

= $4.6B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$174M	$199M	$226M	$258M	$293M	$334M	$381M	$434M	$494M	$562M	$640M	$6.4B
DCF		$181M	$187M	$194M	$200M	$208M	$215M	$222M	$230M	$238M	$247M	$2.5B
Value	$4.6B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	03/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-96%	-58%	-11%	2%
ROA	-	-12%	-17%	-1%	4%
ROE	-	-71%	-198%	-18%	1%

Bad Net Margins (1.92%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	03/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-
Debt over Equity	-	0.61	-	-	-
Growth Stability	-	-	-	-	1

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	03/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	99%	24%	19%
Earnings YoY growth	-	16M%	19%	-77%	-
Equity YoY growth	-	972K%	-57%	159%	304%
FCF YoY growth	-	-	-39%	-2K%	14%