Core Viewpoint - The article emphasizes the importance of identifying sustainable trends in short-term investing, highlighting that while price momentum can be profitable, it requires strong fundamentals to maintain that momentum. Group 1: Stock Performance - MoneyLion Inc. (ML) has shown a solid price increase of 12.5% over the past 12 weeks, indicating investor confidence in its potential upside [2] - Over the last four weeks, ML's stock price has surged by 42.5%, reinforcing the notion that the upward trend is still intact [3] - ML is currently trading at 92.8% of its 52-week high-low range, suggesting it may be on the verge of a breakout [3] Group 2: Fundamental Strength - ML holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, which are critical for near-term price movements [3] - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [4] Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks like ML that have sufficient fundamental strength to sustain their recent uptrends [2] - The Zacks Rank stock-rating system has a proven track record, with Zacks Rank 1 stocks averaging an annual return of +25% since 1988, indicating the effectiveness of this rating system [4] - Investors are encouraged to explore over 45 Zacks Premium Screens tailored to different investing styles to find potential winning stocks [5]

Shares of MoneyLion Inc. (ML) have gained 50.4% over the past four weeks to close the last trading session at $73, but there could still be a solid upside left in the stock if short-term price targets of Wall Street analysts are any indication. Going by the price targets, the mean estimate of $95.50 indicates a potential upside of 30.8%.The mean estimate comprises four short-term price targets with a standard deviation of $23.61. While the lowest estimate of $75 indicates a 2.7% increase from the current pr ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

While "the trend is your friend" when it comes to short-term investing or trading, timing entries into the trend is a key determinant of success. And increasing the odds of success by making sure the sustainability of a trend isn't easy.The trend often reverses before exiting the trade, leading to a short-term capital loss for investors. So, for a profitable trade, one should confirm factors such as sound fundamentals, positive earnings estimate revisions, etc. that could keep the momentum in the stock aliv ...

miniseries In January, I started coverage of MoneyLion (NYSE:ML) with a "Buy" rating, noting the company has low customer acquisition costs and solid cross-selling opportunities. The stock is up over 20% since then. With the company recently reporting its Q4 results, let's catch up on the name. Company Profile As a refresher, ML offers a suite of financial products and services for both consumers and enterprises. On the consumer side, the company offers an FDIC-insured demand deposit account with a virtual ...

Many of the names that are part of the FinTech IPO Index soared double digits on the heels of earnings this past week, leading the overall index 2.7% higher.MoneyLion Shares Roar AheadMoneyLion’s shares gained roughly 34% as December quarter details saw the number of customer inquiries it received through the platform leap 78% year over year (YoY), reaching 205 million in 2023, MoneyLion CEO Dee Choubey said during the company’s quarterly earnings call.This shows customers’ increasing engagement with the fi ...

Financial Data and Key Metrics Changes - MoneyLion achieved record revenue of $423 million for 2023, representing a 24% year-over-year growth [4][31] - Gross profit margin expanded to 60% in 2023, up from 57% in 2022, with Q4 2023 gross profit margin at 63% [6][31] - Adjusted EBITDA reached a record $46 million in 2023, with an adjusted EBITDA margin of 11% [7][31] - Net loss before other income and expenses was $5.3 million for 2023, significantly reduced from a loss of $98.7 million in 2022 [7][34] Business Line Data and Key Metrics Changes - The consumer business generated record revenue, contributing significantly to the overall growth [4][31] - The enterprise business saw a decline in personal loan revenue from 85% in 2022 to 60% in 2023, indicating diversification into non-lending verticals [22][23] - Total originations in Q4 2023 were $644 million, up 30% year-over-year, with total originations for 2023 at $2.3 billion, up 27% [29][30] Market Data and Key Metrics Changes - Total customer inquiries reached approximately 205 million in 2023, up 78% from 115 million in 2022, leading to over 14 million total customers by year-end [8][27] - The mix of third-party product consumption increased to 48% by the end of Q4 2023, up from 26% in Q4 2022 [9][10] Company Strategy and Development Direction - The company aims to reach its first positive GAAP EPS quarter in 2024, focusing on efficient growth while maintaining cost discipline [7][34] - MoneyLion plans to expand its product verticals beyond lending, including insurance, credit cards, and mortgages, to diversify revenue streams [9][36] - The strategic alliance with EY is expected to enhance distribution capabilities and provide turnkey solutions for smaller banks [25][26] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving profitability milestones and highlighted the importance of macroeconomic conditions in driving growth [7][34] - The company is optimistic about the demand for its consumer products and the potential for increased conversions as the macro environment normalizes [36][41] Other Important Information - The company closed 2023 with $92 million in cash and paid down $25 million of senior debt, with no additional repayments due until 2026 [32][33] - Management emphasized the importance of optimizing customer acquisition costs and improving lifetime value through cross-selling and upselling strategies [28][66] Q&A Session Summary Question: Can you provide insights on the EY partnership and its potential? - Management indicated that the partnership with EY is expected to be meaningful, focusing on co-building digital solutions for midsized financial institutions [44][46] Question: How will the CFPB's changes to credit card late fees impact your offerings? - Management believes the changes will create opportunities for MoneyLion to help consumers navigate various credit products effectively [48][50] Question: Can you clarify the decline in personal loan revenue and its implications? - Management clarified that while personal loan revenue as a percentage decreased, the overall business grew due to diversification into other verticals [53][55] Question: What is the current traction of the MoneyLion WOW subscription? - Management noted that the WOW membership is in beta and is being positioned as a valuable upgrade for existing customers, with plans for increased marketing in the future [56][74] Question: How does the company plan to allocate capital moving forward? - Management stated that the focus will be on scaling the business and optimizing the customer acquisition funnel rather than prioritizing debt reduction at this time [70][71]

证券研究报告 汽车零部件 2024年03月08日 米其林（ML.PA）动态研究报告： 2023年公司量减利增，2024年欧美替换胎需求向上 ...

MoneyLion Inc. (ML) came out with a quarterly loss of $0.39 per share versus the Zacks Consensus Estimate of a loss of $0.59. This compares to loss of $3 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 33.90%. A quarter ago, it was expected that this company would post a loss of $0.79 per share when it actually produced a loss of $0.40, delivering a surprise of 49.37%.Over the last four quarters, the company has surpassed cons ...

MoneyLion Q4 & FY 2023 Earnings Presentation 23X March 7,2024 MoneyLion M 237 Disclaimer expensesandinco ncomeareexcludedorincludedindeter without reconciliations of such forward-looking non-GAAP measures, due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliation, which could be material based on historical adjustments.Accordingly,areconciliationisnotavailablewithoutunreasonableeffort. Forward-Looking Statements cmationinthi forecast,""intend,"" ...