MoneyLion Inc.
MoneyLion Inc. Fundamental Analysis
MoneyLion Inc. (ML) shows weak financial fundamentals with a PE ratio of 102.44, profit margin of 1.68%, and ROE of 3.34%. The company generates $0.6B in annual revenue with strong year-over-year growth of 28.92%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze ML's fundamental strength across five key dimensions:
Efficiency Score
WeakML struggles to generate sufficient returns from assets.
Valuation Score
ModerateML shows balanced valuation metrics.
Growth Score
ModerateML shows steady but slowing expansion.
Financial Health Score
ExcellentML maintains a strong and stable balance sheet.
Profitability Score
WeakML struggles to sustain strong margins.
Key Financial Metrics
Is ML Expensive or Cheap?
P/E Ratio
ML trades at 102.44 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, ML's PEG of 0.55 indicates potential undervaluation.
Price to Book
The market values MoneyLion Inc. at 3.22 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 16.73 times EBITDA. This signals the market has high growth expectations.
How Well Does ML Make Money?
Net Profit Margin
For every $100 in sales, MoneyLion Inc. keeps $1.68 as profit after all expenses.
Operating Margin
Core operations generate 4.88 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.34 in profit for every $100 of shareholder equity.
ROA
MoneyLion Inc. generates $1.76 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MoneyLion Inc. generates strong operating cash flow of $208.62M, reflecting robust business health.
Free Cash Flow
MoneyLion Inc. generates strong free cash flow of $199.11M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $17.59 in free cash annually.
FCF Yield
ML converts 19.73% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
102.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.55
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.41
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.71
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How ML Stacks Against Its Sector Peers
| Metric | ML Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 102.44 | 33.94 | Worse (Expensive) |
| ROE | 3.34% | 1002.00% | Weak |
| Net Margin | 1.68% | -48794.00% (disorted) | Weak |
| Debt/Equity | 0.41 | 0.44 | Neutral |
| Current Ratio | 3.71 | 5.74 | Strong Liquidity |
| ROA | 1.76% | -288341.00% (disorted) | Weak |
ML outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MoneyLion Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-92.69%
Industry Style: Growth, Innovation, High Beta
DecliningEPS CAGR
100.09%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
103.50%
Industry Style: Growth, Innovation, High Beta
High Growth