MONEYLION INC (ML)
US60938K3041 - Common Stock
Taking everything into account, ML scores 5 out of 10 in our fundamental rating. ML was compared to 52 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 shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
ML had positive 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.
The reported operating cash flow has been mixed in the past 5 years: ML reported negative operating cash flow in multiple years.
1.2 Ratios
ML has a Return On Assets of 0.61%. This is in the lower half of the industry: ML underperforms 61.54% of its industry peers.
ML has a Return On Equity of 1.14%. This is in the lower half of the industry: ML underperforms 71.15% of its industry peers.
The Return On Invested Capital of ML (3.33%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 1.14% | ||
| ROIC | 3.33% |
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 Profit Margin value of 0.64%, ML is not doing good in the industry: 73.08% of the companies in the same industry are doing better.
Looking at the Operating Margin, with a value of 3.91%, ML is in line with its industry, outperforming 42.31% of the companies in the same industry.
With a decent Gross Margin value of 72.87%, ML is doing good in the industry, outperforming 71.15% of the companies in the same industry.
ML's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.91% | ||
| PM (TTM) | 0.64% | ||
| GM | 72.87% |
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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ML is destroying value.
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
An Altman-Z score of 2.14 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 2.14, ML is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
ML has a debt to FCF ratio of 0.98. This is a very positive value and a sign of high solvency as it would only need 0.98 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.98, ML belongs to the best of the industry, outperforming 88.46% of the companies in the same industry.
A Debt/Equity ratio of 0.61 indicates that ML is somewhat dependend on debt financing.
ML's Debt to Equity ratio of 0.61 is fine compared to the rest of the industry. ML outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | 2.14 |
ROIC/WACC0.35
WACC9.41%
2.3 Liquidity
A Current Ratio of 4.81 indicates that ML has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 4.81, ML belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
ML has a Quick Ratio of 4.81. This indicates that ML is financially healthy and has no problem in meeting its short term obligations.
ML's Quick ratio of 4.81 is amongst the best of the industry. ML outperforms 88.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.81 | ||
| Quick Ratio | 4.81 |
3. Growth
3.1 Past
ML shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 119.31%, which is quite impressive.
The Revenue has grown by 23.40% 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)119.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
Revenue 1Y (TTM)23.4%
Revenue growth 3Y74.71%
Revenue growth 5YN/A
Sales Q2Q%22.86%
3.2 Future
The Earnings Per Share is expected to grow by 67.85% 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 25.08% yearly.
EPS Next Y163.16%
EPS Next 2Y97.73%
EPS Next 3Y67.85%
EPS Next 5YN/A
Revenue Next Year27.19%
Revenue Next 2Y25.38%
Revenue Next 3Y25.08%
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
ML is valuated quite expensively with a Price/Earnings ratio of 309.82.
Compared to the rest of the industry, the Price/Earnings ratio of ML indicates a slightly more expensive valuation: ML is more expensive than 78.85% of the companies listed in the same industry.
ML's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.73.
The Price/Forward Earnings ratio is 24.69, which indicates a rather expensive current valuation of ML.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ML indicates a slightly more expensive valuation: ML is more expensive than 69.23% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ML to the average of the S&P500 Index (22.83), we can say ML is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 309.82 | ||
| Fwd PE | 24.69 |
4.2 Price Multiples
ML's Enterprise Value to EBITDA is on the same level as the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as ML.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.52 | ||
| EV/EBITDA | 22.73 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as ML's earnings are expected to grow with 67.85% in the coming years.
PEG (NY)1.9
PEG (5Y)N/A
EPS Next 2Y97.73%
EPS Next 3Y67.85%
5. Dividend
5.1 Amount
ML does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MONEYLION INC
NYSE:ML (12/20/2024, 8:24:44 PM)
After market: 86.75 0 (0%)86.75
-0.12 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners53.27%
Inst Owner Change-4.7%
Ins Owners11.71%
Ins Owner Change-0.49%
Market Cap979.41M
Analysts82.67
Price Target96.73 (11.5%)
Short Float %4.59%
Short Ratio1.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-76.88%
Min EPS beat(2)-218.4%
Max EPS beat(2)64.63%
EPS beat(4)3
Avg EPS beat(4)179.75%
Min EPS beat(4)-218.4%
Max EPS beat(4)846.83%
EPS beat(8)7
Avg EPS beat(8)129.27%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.36%
Min Revenue beat(2)-2.72%
Max Revenue beat(2)0%
Revenue beat(4)2
Avg Revenue beat(4)-1.06%
Min Revenue beat(4)-2.72%
Max Revenue beat(4)1.01%
Revenue beat(8)5
Avg Revenue beat(8)-0.05%
Revenue beat(12)8
Avg Revenue beat(12)0.89%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)11.79%
PT rev (3m)6.59%
EPS NQ rev (1m)23.6%
EPS NQ rev (3m)-1.44%
EPS NY rev (1m)-13.76%
EPS NY rev (3m)-29.59%
Revenue NQ rev (1m)4.2%
Revenue NQ rev (3m)7.14%
Revenue NY rev (1m)1.21%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 309.82 | ||
| Fwd PE | 24.69 | ||
| P/S | 1.92 | ||
| P/FCF | 5.52 | ||
| P/OCF | 5.23 | ||
| P/B | 3.41 | ||
| P/tB | 8.22 | ||
| EV/EBITDA | 22.73 |
EPS(TTM)0.28
EY0.32%
EPS(NY)3.51
Fwd EY4.05%
FCF(TTM)15.71
FCFY18.11%
OCF(TTM)16.58
OCFY19.11%
SpS45.07
BVpS25.45
TBVpS10.55
PEG (NY)1.9
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 1.14% | ||
| ROCE | 4.22% | ||
| ROIC | 3.33% | ||
| ROICexc | 4.4% | ||
| ROICexgc | 8.46% | ||
| OM | 3.91% | ||
| PM (TTM) | 0.64% | ||
| GM | 72.87% | ||
| FCFM | 34.86% |
ROA(3y)-23.29%
ROA(5y)-46.04%
ROE(3y)-50.72%
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
ROICexcg growth 3YN/A
ROICexcg 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-9.48%
GM growth 5YN/A
F-Score8
Asset Turnover0.94
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 0.98 | ||
| Debt/EBITDA | 3.8 | ||
| Cap/Depr | 37.67% | ||
| Cap/Sales | 1.92% | ||
| Interest Coverage | 0.77 | ||
| Cash Conversion | 408.71% | ||
| Profit Quality | 5408% | ||
| Current Ratio | 4.81 | ||
| Quick Ratio | 4.81 | ||
| Altman-Z | 2.14 |
F-Score8
WACC9.41%
ROIC/WACC0.35
Cap/Depr(3y)28.44%
Cap/Depr(5y)97.39%
Cap/Sales(3y)1.44%
Cap/Sales(5y)2.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)119.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
EPS Next Y163.16%
EPS Next 2Y97.73%
EPS Next 3Y67.85%
EPS Next 5YN/A
Revenue 1Y (TTM)23.4%
Revenue growth 3Y74.71%
Revenue growth 5YN/A
Sales Q2Q%22.86%
Revenue Next Year27.19%
Revenue Next 2Y25.38%
Revenue Next 3Y25.08%
Revenue Next 5YN/A
EBIT growth 1Y192.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year4573.22%
EBIT Next 3Y331.55%
EBIT Next 5YN/A
FCF growth 1Y858.3%
FCF growth 3Y291.41%
FCF growth 5YN/A
OCF growth 1Y1221.3%
OCF growth 3Y237.37%
OCF growth 5YN/A