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MoneyLion Inc (ML)



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Upturn Advisory Summary
02/18/2025: ML (3-star) is a REGULAR-BUY. BUY since 67 days. Profits (6.81%). Updated daily EoD!
Analysis of Past Performance
Type Stock | Historic Profit 61.21% | Avg. Invested days 38 | Today’s Advisory WEAK BUY |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 970.18M USD | Price to earnings Ratio 298.03 | 1Y Target Price 105 |
Price to earnings Ratio 298.03 | 1Y Target Price 105 | ||
Volume (30-day avg) 147830 | Beta 3.06 | 52 Weeks Range 36.65 - 106.82 | Updated Date 02/18/2025 |
52 Weeks Range 36.65 - 106.82 | Updated Date 02/18/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.64% | Operating Margin (TTM) 2.96% |
Management Effectiveness
Return on Assets (TTM) 2.34% | Return on Equity (TTM) 1.2% |
Valuation
Trailing PE 298.03 | Forward PE 32.26 | Enterprise Value 1038631096 | Price to Sales(TTM) 1.94 |
Enterprise Value 1038631096 | Price to Sales(TTM) 1.94 | ||
Enterprise Value to Revenue 2.08 | Enterprise Value to EBITDA 18.76 | Shares Outstanding 11225000 | Shares Floating 7184385 |
Shares Outstanding 11225000 | Shares Floating 7184385 | ||
Percent Insiders 12.64 | Percent Institutions 67.01 |
AI Summary
MoneyLion Inc. (ML) Stock Overview
Company Profile:
- History and Background: MoneyLion Inc., founded in 2013, is a New York-based digital financial platform offering mobile banking, investing, and lending services to over 7 million members. The company aims to revolutionize financial services by using technology to make financial products more accessible and affordable.
- Core Business Areas:
- Mobile Banking: ML provides a mobile banking app with features like checking and savings accounts, debit cards, and bill pay.
- Investing: The platform offers commission-free investing in stocks and ETFs with fractional shares, as well as automated investing tools.
- Lending: ML provides a range of loan products, including personal loans, lines of credit, and credit builder loans.
- Leadership and Corporate Structure: Diwakar Choubey serves as the CEO and Chairman of MoneyLion. The executive team is composed of experienced professionals in finance, technology, and marketing. The company operates with a board of directors and several committees overseeing various aspects of its business.
Top Products and Market Share:
- ML's major products are its mobile banking and investing platforms:
- Mobile Banking: The app has over 12 million downloads and boasts a 4.6-star rating on the app stores. However, the number of active users and market share remain unpublic.
- Investing: The platform has attracted over 2.5 million investment accounts with over $5 billion in assets under management. ML's market share in this segment is estimated to be relatively small compared to established players like Robinhood.
- Comparison with competitors: ML's mobile banking and investment offerings compete with traditional banks, fintech startups like SoFi and Chime, and established investment platforms like Vanguard and Fidelity.
- Performance: ML's mobile banking app receives positive reviews for its user-friendliness and convenience, while its investment platform is praised for its commission-free trading and fractional share options.
Total Addressable Market (TAM):
- The TAM for ML encompasses several segments including the mobile banking market (estimated at $200 billion in 2023), the online investing market ($150 billion), and the personal loan market ($130 billion).
- ML focuses on reaching the underserved population, particularly millennials and Gen Z, who are more open to adopting digital financial solutions.
Financial Performance:
- Revenue Growth: ML has seen impressive revenue growth in recent years, reaching $326 million in 2022 with a year-over-year increase of 175%.
- Profitability: ML is not yet profitable, with a net loss of $46 million in 2022. This is typical for growth-stage fintech companies investing heavily in expansion.
- Cash Flow and Balance Sheet: ML's cash flow is negative, reflecting its ongoing investments in user acquisition and product development. The company has a moderate debt-to-equity ratio, indicating a reasonable financial position.
Dividends and Shareholder Returns:
- ML is currently not paying dividends and is focused on reinvesting profits for future growth.
- Shareholder returns have been volatile due to the company's rapid growth and high stock price波动. However, the long-term potential for returns remains promising.
Growth Trajectory:
- ML has demonstrated strong growth historically, with plans to expand its product offerings and target new market segments.
- Industry experts predict continued growth in the digital banking and investing markets, supporting ML's expansion opportunities.
- Recent product launches, such as ML's crypto trading platform and credit builder loan, indicate its focus on innovation and catering to diverse customer needs.
Market Dynamics:
- The financial services industry is undergoing significant disruption due to technological advancements and evolving consumer preferences.
- ML is well-positioned to capitalize on this trend by leveraging its tech-driven platform and competitive pricing.
- Adaptability to market changes is crucial for ML's success, requiring continuous product development and a focus on user experience.
Competitors:
- Major competitors in ML's space include:
- Robinhood (HOOD), SoFi (SOFI), Chime, Acorns, Betterment, and traditional banks.
- ML faces competition from both established players and innovative startups.
- Key competitive advantages include ML's focus on financial inclusion, its diverse product portfolio, and user-friendly technology.
Potential Challenges and Opportunities:
- Key challenges include intense competition, regulatory changes, and maintaining profitability.
- Potential opportunities include expansion into new market segments, strategic partnerships, and leveraging technology for further innovation.
Recent Acquisitions:
- ML has actively pursued acquisitions to expand its product offerings and reach:
- 2022: Tymit, a UK-based BNPL provider, for $25 million.
- 2021: Even Financial, a wage advance platform, for $130 million.
- 2021: A55, a cryptocurrency trading platform.
- These acquisitions align with ML's strategy to offer a comprehensive financial platform and cater to the growing demand for digital financial services.
**AI-Based
About MoneyLion Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2020-08-14 | Co-Founder, CEO & Director Mr. Diwakar M Choubey | ||
Sector Technology | Industry Software - Application | Full time employees 600 | Website https://www.moneylion.com |
Full time employees 600 | Website https://www.moneylion.com |
MoneyLion Inc., a financial technology company, provides personalized products and financial content for American consumers. The company's platform offers access to banking, borrowing, and investing solutions for customers. Its principal products include RoarMoney, an insured digital demand deposit account; Instacash, a cash advance product that gives customers early access to their recurring income deposits; Credit Builder Plus membership program; MoneyLion Investing, an online investment account that offers access to separately managed accounts invested based on model exchange-traded fund portfolios; Roundups, which provides features designed to encourage customers to establish good saving and investing habits; and MoneyLion Crypto, an online cryptocurrency account. It also provides marketplace solutions, such as valuable distribution, acquisition, growth, and monetization channels; and creative media and brand content services. MoneyLion Inc. was founded in 2013 and is headquartered in New York, New York.
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