MONEYLION INC (ML) Stock Fundamental Analysis
NYSE:ML - New York Stock Exchange, Inc. - US60938K3041 - Common Stock - Currency: USD
Overall ML gets a fundamental rating of 5 out of 10. We evaluated ML against 53 industry peers in the Consumer Finance industry. ML has a great financial health rating, but its profitability evaluates not so good. ML is valued quite expensively, but it does show have an excellent growth rating.
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 each of the past 5 years.
In multiple years ML reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.61%, ML is doing worse than 61.54% of the companies in the same industry.
ML has a worse Return On Equity (1.14%) than 71.15% of its industry peers.
ML has a Return On Invested Capital (3.33%) which 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
ML has a worse Profit Margin (0.64%) than 73.08% of its industry peers.
ML has a Operating Margin (3.91%) which is in line with its industry peers.
With a decent Gross Margin value of 72.87%, ML is doing good in the industry, outperforming 69.23% of the companies in the same industry.
In the last couple of years the Gross Margin of ML has declined.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ML is destroying value.
The number of shares outstanding for ML has been increased compared to 1 year ago.
ML has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.17 indicates that ML is not a great score, but indicates only limited risk for bankruptcy at the moment.
ML's Altman-Z score of 2.17 is fine compared to the rest of the industry. ML outperforms 73.08% of its industry peers.
The Debt to FCF ratio of ML is 0.98, which is an excellent value as it means it would take ML, only 0.98 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ML (0.98) is better than 86.54% of its industry peers.
ML has a Debt/Equity ratio of 0.61. This is a neutral value indicating 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 71.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.61 | ||
| Debt/FCF | 0.98 | ||
| Altman-Z | 2.17 |
ROIC/WACC0.36
WACC9.29%
2.3 Liquidity
A Current Ratio of 4.81 indicates that ML has no problem at all paying its short term obligations.
ML has a Current ratio of 4.81. This is amongst the best in the industry. ML outperforms 86.54% of its industry peers.
A Quick Ratio of 4.81 indicates that ML has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 4.81, ML belongs to the best of the industry, outperforming 86.54% of the companies in the same industry.
| 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 71.57% 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 25.45% yearly.
EPS Next Y166.73%
EPS Next 2Y99.79%
EPS Next 3Y71.57%
EPS Next 5YN/A
Revenue Next Year27.11%
Revenue Next 2Y25%
Revenue Next 3Y25.45%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 306.29 indicates a quite expensive valuation of ML.
Based on the Price/Earnings ratio, ML is valued more expensive than 80.77% of the companies in the same industry.
ML is valuated expensively when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
ML is valuated rather expensively with a Price/Forward Earnings ratio of 23.40.
Based on the Price/Forward Earnings ratio, ML is valued a bit more expensive than the industry average as 67.31% of the companies are valued more cheaply.
ML is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 306.29 | ||
| Fwd PE | 23.4 |
4.2 Price Multiples
ML's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ML is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.55 | ||
| EV/EBITDA | 22.93 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ML's earnings are expected to grow with 71.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.84
PEG (5Y)N/A
EPS Next 2Y99.79%
EPS Next 3Y71.57%
5. Dividend
5.1 Amount
No dividends for ML!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
85.76
-0.44 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners53.27%
Inst Owner Change20.62%
Ins Owners11.71%
Ins Owner Change-0.34%
Market Cap968.23M
Analysts78.57
Price Target93.22 (8.7%)
Short Float %3.93%
Short Ratio1.6
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)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)0.03%
PT rev (3m)7.73%
EPS NQ rev (1m)12.23%
EPS NQ rev (3m)38.72%
EPS NY rev (1m)5.64%
EPS NY rev (3m)-8.89%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)3.97%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)1.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 306.29 | ||
| Fwd PE | 23.4 | ||
| P/S | 1.94 | ||
| P/FCF | 5.55 | ||
| P/OCF | 5.26 | ||
| P/B | 3.43 | ||
| P/tB | 8.27 | ||
| EV/EBITDA | 22.93 |
EPS(TTM)0.28
EY0.33%
EPS(NY)3.66
Fwd EY4.27%
FCF(TTM)15.45
FCFY18.01%
OCF(TTM)16.3
OCFY19%
SpS44.31
BVpS25.02
TBVpS10.37
PEG (NY)1.84
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 | 2.17 |
F-Score8
WACC9.29%
ROIC/WACC0.36
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 Y166.73%
EPS Next 2Y99.79%
EPS Next 3Y71.57%
EPS Next 5YN/A
Revenue 1Y (TTM)23.4%
Revenue growth 3Y74.71%
Revenue growth 5YN/A
Sales Q2Q%22.86%
Revenue Next Year27.11%
Revenue Next 2Y25%
Revenue Next 3Y25.45%
Revenue Next 5YN/A
EBIT growth 1Y192.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year4569.83%
EBIT Next 3Y312.07%
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