MONEYLION INC (ML) Stock Fundamental Analysis
NYSE:ML - New York Stock Exchange, Inc. - US60938K3041 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to ML. ML was compared to 53 industry peers in the Consumer Finance industry. While ML has a great health rating, there are worries on its profitability. ML is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year ML was profitable.
ML had a positive operating cash flow in the past year.
ML had negative earnings in 4 of the past 5 years.
ML had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ML has a Return On Assets (1.76%) which is comparable to the rest of the industry.
With a Return On Equity value of 3.14%, ML is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
ML's Return On Invested Capital of 4.83% is fine compared to the rest of the industry. ML outperforms 64.15% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
ML's Profit Margin of 1.68% is on the low side compared to the rest of the industry. ML is outperformed by 73.58% of its industry peers.
ML has a Operating Margin (4.88%) which is in line with its industry peers.
ML has a better Gross Margin (73.18%) than 69.81% of its industry peers.
ML's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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
ML has more shares outstanding than it did 5 years ago.
The debt/assets ratio for ML has been reduced compared to a year ago.
2.2 Solvency
ML has an Altman-Z score of 2.41. This is not the best score and indicates that ML is in the grey zone with still only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.41, ML is doing good in the industry, outperforming 75.47% of the companies in the same industry.
ML has a debt to FCF ratio of 0.62. This is a very positive value and a sign of high solvency as it would only need 0.62 years to pay back of 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.
A Debt/Equity ratio of 0.41 indicates that ML is not too dependend on debt financing.
The Debt to Equity ratio of ML (0.41) is better than 77.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 0.62 | ||
| Altman-Z | 2.41 |
ROIC/WACC0.51
WACC9.48%
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.
ML has a better Current ratio (3.59) than 81.13% of its industry peers.
A Quick Ratio of 3.59 indicates that ML has no problem at all paying its short term obligations.
ML has a Quick ratio of 3.59. This is amongst the best in the industry. ML outperforms 83.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.59 | ||
| Quick Ratio | 3.59 |
3. Growth
3.1 Past
ML shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 140.76%, which is quite impressive.
Looking at the last year, ML shows a very strong growth in Revenue. The Revenue has grown by 28.91%.
ML shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 55.32% yearly.
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.
Based on estimates for the next years, ML will show a very strong growth in Revenue. The Revenue will grow by 24.80% on average per year.
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
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
Based on the Price/Earnings ratio of 114.53, the valuation of ML can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of ML indicates a rather expensive valuation: ML more expensive than 83.02% 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 28.33.
ML is valuated rather expensively with a Price/Forward Earnings ratio of 24.92.
Based on the Price/Forward Earnings ratio, ML is valued a bit more expensive than 67.92% of the companies in the same industry.
ML is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.37, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 114.53 | ||
| Fwd PE | 24.92 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ML is on the same level as its industry peers.
60.38% of the companies in the same industry are more expensive than ML, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.07 | ||
| EV/EBITDA | 18.18 |
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.
ML's earnings are expected to grow with 177.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y177.82%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ML does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
85.9
+0.2 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners61.5%
Inst Owner Change0.11%
Ins Owners12.64%
Ins Owner Change0.23%
Market Cap972.39M
Analysts77.14
Price Target84.45 (-1.69%)
Short Float %8.42%
Short Ratio5.02
Dividend
| Industry Rank | Sector 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)-5.96%
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)0.16%
Valuation
| Industry Rank | Sector 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
Profitability
| Industry Rank | Sector 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
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-0.45%
GM growth 5Y-4.89%
F-Score8
Asset Turnover1.05
Health
| Industry Rank | Sector 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
WACC9.48%
ROIC/WACC0.51
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