MoneyLion Inc
NYSE:ML

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MoneyLion Inc Logo
MoneyLion Inc
NYSE:ML
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Price: 69.24 USD 24.85% Market Closed
Market Cap: 759.6m USD
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Intrinsic Value

The intrinsic value of one ML stock under the Base Case scenario is 95.38 USD. Compared to the current market price of 69.24 USD, MoneyLion Inc is Undervalued by 27%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ML Intrinsic Value
95.38 USD
Undervaluation 27%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

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MoneyLion Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
MoneyLion Inc

Current Assets 323.5m
Cash & Short-Term Investments 98.4m
Receivables 219.9m
Other Current Assets 5.2m
Non-Current Assets 222.3m
PP&E 15.5m
Intangibles 168.3m
Other Non-Current Assets 38.5m
Current Liabilities 63.7m
Accounts Payable 49m
Accrued Liabilities 14.7m
Non-Current Liabilities 203.6m
Long-Term Debt 194.4m
Other Non-Current Liabilities 9.2m
Efficiency

Earnings Waterfall
MoneyLion Inc

Revenue
475.1m USD
Cost of Revenue
-130.3m USD
Gross Profit
344.9m USD
Operating Expenses
-328.2m USD
Operating Income
16.6m USD
Other Expenses
-14.7m USD
Net Income
1.9m USD

Free Cash Flow Analysis
MoneyLion Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q2 2024, MoneyLion achieved record revenue of $131 million, growing 23% year-over-year, and an adjusted EBITDA of $18.5 million, reflecting a 14.2% margin. The firm saw its enterprise revenue grow 17% quarter-over-quarter and welcomed 1.6 million new customers, totaling 17 million. For Q3 2024, MoneyLion projects revenue between $133 million and $138 million, and adjusted EBITDA of $18 to $21 million. Confidence in their strategy is underscored by a full-year 2024 revenue guidance of $525 to $535 million and adjusted EBITDA of $80 to $87 million.

What is Earnings Call?
Fundamental Scores

ML Profitability Score
Profitability Due Diligence

MoneyLion Inc's profitability score is 44/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Years Revenue Growth
Positive Gross Profit
ROE is Increasing
ROIC is Increasing
44/100
Profitability
Score

MoneyLion Inc's profitability score is 44/100. The higher the profitability score, the more profitable the company is.

ML Solvency Score
Solvency Due Diligence

MoneyLion Inc's solvency score is 45/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Low D/E
Positive Net Debt
45/100
Solvency
Score

MoneyLion Inc's solvency score is 45/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

ML Price Targets Summary
MoneyLion Inc

Wall Street analysts forecast ML stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ML is 86.53 USD with a low forecast of 37.22 USD and a high forecast of 139.65 USD.

Lowest
Price Target
37.22 USD
46% Downside
Average
Price Target
86.53 USD
25% Upside
Highest
Price Target
139.65 USD
102% Upside
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Dividends

MoneyLion Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for ML is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

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Profile

MoneyLion Inc Logo
MoneyLion Inc

Country

China

Industry

Financial Services

Market Cap

757.9m USD

Dividend Yield

0%

Description

MoneyLion, Inc. is an all-in-one, digital financial platform that provides banking, borrowing and investing solutions tailored for its customers, rooted in data and delivered through its technology platform. The company is headquartered in New York City, New York and currently employs 556 full-time employees. The company went IPO on 2020-06-26. The firm provides mobile banking and financial membership platform that enables people to take control of their finances. The company offers a digital financial platform that provides banking, borrowing and investing solutions. MoneyLion's platform offers a range of financial services, including loans, credit cards, mortgages, savings and insurance products. Its product platform includes RoarMoney, MoneyLion Investing, Instacash Earned Income Advances, Credit Builder Plus and Financial Heartbeat. Its RoarMoney is a digital demand deposit account with zero minimums, features, and rewards. MoneyLion Investing is an online investment account that offers access to separately managed accounts invested based on model portfolios comprised of exchange-traded funds (ETFs). Instacash is its 0% annual percentage rate (APR) advance product that gives customers access to their recurring income deposits.

Contact

NEW YORK
New York City
30 West 21St Street, 9Th Floor
+18887046970.0
www.moneylion.com

IPO

2020-06-26

Employees

556

Officers

Co-Founder, CEO & Director
Mr. Diwakar M Choubey
CFO, Treasurer & President
Mr. Richard Correia
Chief Legal Officer & Secretary
Mr. Adam VanWagner
Chief Product Officer
Mr. Timmie Hong
Chief Accounting Officer
Mr. Mark Torossian
Head of Investor Relations
Mr. Sean Michael Horgan
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Chief Customer Officer
Ms. Cynthia Kleinbaum
Chief Revenue Officer
Mr. John Kaplan
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See Also

Discover More
What is the Intrinsic Value of one ML stock?

The intrinsic value of one ML stock under the Base Case scenario is 95.38 USD.

Is ML stock undervalued or overvalued?

Compared to the current market price of 69.24 USD, MoneyLion Inc is Undervalued by 27%.

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