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1. Company Snapshot

1.a. Company Description

MoneyLion Inc.provides a digital financial platform.The company's platform offers access to banking, borrowing, and investing solutions for customers.


Its principal products include roarmoney premium mobile banking, personalized investing, cryptocurrency, instacash, membership programs, financial tracking tools, online financial education content destination, affiliated marketing programs, unsecured personal loans, and credit-related decision servicing.The company was founded in 2013 and is headquartered in New York, New York.

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1.b. Last Insights on ML

Positive drivers behind MoneyLion Inc.'s recent stock performance include the proposed acquisition by Gen Digital Inc., which values MoneyLion at $82.00 per share in cash, plus a contingent value right per share. This deal is currently under investigation by Halper Sadeh LLC to determine its fairness to MoneyLion shareholders. The acquisition news has likely boosted investor confidence, driving the stock's performance.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Gen Digital raises annual revenue forecast on MoneyLion integration, cybersecurity demand

Nov -06

Source: reuters.com

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Holiday Stress Driving Americans to Spend More, Increase Borrowing, and Pick Up Extra Jobs, New MoneyLion Survey Finds

Nov -04

Source: prnewswire.com

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MoneyLion, CFPB agree to settle Biden-era allegations of unfair charges on military personnel

Oct -15

Source: reuters.com

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Don't Wait for New Year's: MoneyLion Shares How to Build Lasting Financial Fitness Habits

Oct -09

Source: prnewswire.com

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Gen Digital CEO Vincent Pilette on Moneylion deal

Sep -08

Source: youtube.com

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Gen Digital: MoneyLion Lawsuit Could Hinder Momentum

May -13

Source: seekingalpha.com

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MoneyLion Inc. (ML) Flat As Market Sinks: What You Should Know

Apr -21

Source:

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Gen Completes Acquisition of MoneyLion, Accelerating the Company's Leadership in Financial Wellness

Apr -17

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (13.23%)

6. Segments

Consumer - Service and Subscription

Expected Growth: 13.93%

MoneyLion's 13.93% growth in Consumer-Service and Subscription is driven by increasing adoption of digital financial services, rising demand for affordable credit, and growing popularity of subscription-based models. Additionally, the company's user-friendly platform, competitive pricing, and strategic partnerships have contributed to its rapid expansion.

Enterprise Service

Expected Growth: 12.15%

MoneyLion's Enterprise Service growth of 12.15% is driven by increasing adoption of digital banking solutions, expansion into new markets, and strategic partnerships. Additionally, the service's ability to provide personalized financial management tools, credit monitoring, and investment opportunities has resonated with consumers, leading to increased customer acquisition and retention.

Consumer - Net Interest Income on Finance Receivables

Expected Growth: 9.9%

MoneyLion's 9.9% growth in Net Interest Income on Finance Receivables is driven by increasing adoption of its credit products, expansion into new markets, and rising interest rates. Additionally, the company's focus on underserved consumers and its data-driven approach to lending have contributed to the growth. Furthermore, the company's efforts to improve operational efficiency and reduce costs have also supported the growth in net interest income.

7. Detailed Products

Instacash

A mobile-first, fee-free, and interest-free cash advance service that allows users to access up to $250 instantly.

Credit Builder Plus

A credit-building loan that reports to all three major credit bureaus, helping users establish or improve their credit scores.

Invest

A mobile-first investment platform that allows users to invest in a diversified portfolio with as little as $1.

RoarMoney

A demand deposit account that offers a debit card, mobile banking app, and access to a network of 55,000 no-fee ATMs.

Crypto

A cryptocurrency trading platform that allows users to buy, sell, and hold cryptocurrencies like Bitcoin and Ethereum.

8. MoneyLion Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

MoneyLion Inc. operates in a highly competitive fintech industry, where substitutes are readily available. However, the company's diversified product offerings and strong brand recognition mitigate the threat of substitutes to some extent.

Bargaining Power Of Customers

MoneyLion Inc.'s customers have limited bargaining power due to the company's strong brand presence and diversified product offerings. Additionally, the company's digital platform reduces the need for customers to negotiate prices.

Bargaining Power Of Suppliers

MoneyLion Inc. has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's digital platform also reduces its dependence on physical suppliers.

Threat Of New Entrants

The fintech industry is highly attractive, and new entrants can easily disrupt the market. MoneyLion Inc. needs to continuously innovate and improve its products to stay ahead of new entrants.

Intensity Of Rivalry

The fintech industry is highly competitive, and MoneyLion Inc. faces intense rivalry from established players and new entrants. The company needs to focus on differentiating its products and services to maintain its market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 42.85%
Debt Cost 14.92%
Equity Weight 57.15%
Equity Cost 17.29%
WACC 16.27%
Leverage 74.98%

11. Quality Control: MoneyLion Inc. passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Domo

A-Score: 5.1/10

Value: 9.2

Growth: 4.9

Quality: 5.1

Yield: 0.0

Momentum: 9.5

Volatility: 2.0

1-Year Total Return ->

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Stock-Card
MoneyLion

A-Score: 4.8/10

Value: 4.0

Growth: 6.2

Quality: 6.3

Yield: 0.0

Momentum: 9.0

Volatility: 3.3

1-Year Total Return ->

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Stock-Card
Where Food Comes From

A-Score: 4.7/10

Value: 2.4

Growth: 6.4

Quality: 7.2

Yield: 0.0

Momentum: 8.0

Volatility: 4.3

1-Year Total Return ->

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Stock-Card
Aware

A-Score: 4.4/10

Value: 7.8

Growth: 3.6

Quality: 4.7

Yield: 0.0

Momentum: 8.0

Volatility: 2.3

1-Year Total Return ->

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Stock-Card
SurgePays

A-Score: 3.7/10

Value: 7.2

Growth: 2.9

Quality: 2.4

Yield: 0.0

Momentum: 8.5

Volatility: 1.3

1-Year Total Return ->

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Stock-Card
PubMatic

A-Score: 3.5/10

Value: 6.3

Growth: 6.6

Quality: 5.0

Yield: 0.0

Momentum: 0.5

Volatility: 2.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

85.9$

Current Price

85.9$

Potential

-0.00%

Expected Cash-Flows