MoneyLion Inc. (NYSE: ML ) has an interesting business model in the fintech industry, good growth prospects and an attractive valuation compared to its peers, being therefore a good long-term growth play in the fintech space.Labutes IR is a Fund Manager/Analyst specialized in the financial sector, with more than 18 years of experience in the financial markets. I have worked at several type of institutions in the industry, always at the buy side and related to portfolio management. Associated with the existi ...

The equity market is a powerful mechanism as daily fluctuations in price get aggregated to incredible wealth creation or destruction over the long term. Pacifica Yield aims to pursue long-term wealth creation with a focus on undervalued yet high-growth companies, high-dividend tickers, REITs, and green energy firms.Analyst’s Disclosure: I/we have a beneficial long position in the shares of ML either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own ...

Core Viewpoint - MoneyLion Inc. has experienced a significant decline in its stock performance year-to-date, contrasting sharply with its competitors, despite a strong one-year performance indicating a correction phase [1][2]. Group 1: Stock Performance - MoneyLion's shares have lost 32.1% year-to-date, while the industry has grown by 5.9% and the Zacks S&P 500 composite has risen by 21.5% [1]. - Over the past year, MoneyLion's stock surged by 98%, suggesting it is currently undergoing a correction phase [2]. - The stock closed at $44.52, which is 139.9% below its 52-week high of $106.82, and is trading below its 50-day moving average, indicating bearish sentiment [9]. Group 2: Customer Growth and Engagement - MoneyLion has implemented a complete ecosystem strategy, resulting in a 73% year-over-year customer growth and a 10.4% sequential increase in the second quarter of 2024 [3]. - The company reported a total of 27.7 million products consumed on its platform by the end of the second quarter of 2024, indicating robust product consumption [3]. Group 3: Financial Performance and Valuation - MoneyLion's enterprise revenues increased by 17% sequentially in the second quarter of 2024, strengthening its position to diversify revenues across multiple financial verticals [4]. - The Price/Earnings ratio for MoneyLion is 9.52X, significantly lower than the industry's 22.49X, and the Price-to-Sales ratio is 0.76X compared to the industry's 6.75X, indicating potential for further appreciation [6]. - The Zacks Consensus Estimate for MoneyLion's 2024 sales is $529.1 million, reflecting a year-over-year growth of 25%, with anticipated revenue growth of 21.2% for 2025 [11]. Group 4: Liquidity Position - MoneyLion's current ratio stands at 2.85, significantly higher than the industry's 1.15, indicating the company's ability to meet short-term obligations with ease [10].

The recommendations of Wall Street analysts are often relied on by investors when deciding whether to buy, sell, or hold a stock. Media reports about these brokerage-firm-employed (or sell-side) analysts changing their ratings often affect a stock's price. Do they really matter, though?Before we discuss the reliability of brokerage recommendations and how to use them to your advantage, let's see what these Wall Street heavyweights think about MoneyLion Inc. (ML) .MoneyLion currently has an average brokerage ...

In the latest market close, MoneyLion Inc. (ML) reached $43.48, with a +0.72% movement compared to the previous day. This move outpaced the S&P 500's daily loss of 0.19%. On the other hand, the Dow registered a gain of 0.09%, and the technology-centric Nasdaq decreased by 0.36%.The company's stock has climbed by 4.5% in the past month, falling short of the Business Services sector's gain of 6.7% and outpacing the S&P 500's gain of 2.06%.Market participants will be closely following the financial results of ...

MoneyLion Inc. (ML) ended the recent trading session at $41.18, demonstrating a +1.2% swing from the preceding day's closing price. This move outpaced the S&P 500's daily gain of 0.75%. Elsewhere, the Dow saw an upswing of 0.58%, while the tech-heavy Nasdaq appreciated by 1%.Heading into today, shares of the company had lost 9.78% over the past month, lagging the Business Services sector's gain of 5.97% and the S&P 500's gain of 4.03% in that time.The investment community will be paying close attention to t ...

When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?Let's take a look at what these Wall Street heavyweights have to say about MoneyLion Inc. (ML) before we discuss the reliability of brokerage recommendations and how to use them to your advantage.MoneyLion currently has an average brokerage recommendation ...

Make no mistake, it’s rough out there kids. The stock market is having itself a rough go of it lately. Ever since that carry trade started to unwind in the “Land of the Rising Sun” things just haven’t been the same. It can feel like the whole world is collapsing down on you. Some look at that with despair. In reality, you should be looking at it as the opportunity that it is. The opportunity to add some great stocks on the cheap.Great stocks like today’s Bull of the Day, Zacks Rank #1 (Strong Buy) Money Lio ...

Financial Data and Key Metrics Changes - MoneyLion achieved record revenue of $131 million in Q2 2024, representing a 23% year-over-year growth and exceeding the high end of guidance [5][34] - Adjusted EBITDA for the quarter was $18.5 million, reflecting a margin of 14.2%, which is a 550 basis points expansion year-over-year [6][33] - GAAP net income for Q2 2024 was $3.1 million, with diluted earnings per share of $0.26 [6] Business Line Data and Key Metrics Changes - Consumer revenue increased by 33% year-over-year, driven by strong product consumption [13] - Enterprise revenue grew 17% quarter-over-quarter, indicating a significant inflection point for the enterprise business [11] - Total customer growth reached 17 million, up 73% year-over-year, with 1.6 million new customers added compared to the prior quarter [9] Market Data and Key Metrics Changes - The enterprise business saw over 85 million total customer inquiries in Q2 2024, up from over 50 million in Q2 2023 [26] - Consumer interest in lending products remained strong, contributing to the second-best revenue quarter for the enterprise business [17] Company Strategy and Development Direction - MoneyLion aims to be the number one destination for financial decisions, positioning itself as the first digital ecosystem for consumer finance [7][8] - The company is focusing on expanding its product offerings across key verticals such as credit cards, auto insurance, and mortgages [38] - New initiatives include MoneyLion AI for personalized financial insights and an end-to-end checkout experience to enhance consumer engagement [21][22] Management's Comments on Operating Environment and Future Outlook - Management noted stabilization in the underwriting environment, particularly for personal loans, and expects continued growth in the third quarter [16][18] - The company is confident in its ability to navigate macroeconomic conditions and anticipates strong performance in the second half of 2024 [35][37] Other Important Information - MoneyLion extended its partnership with Pathward for another three years, enhancing its digital banking capabilities [14][15] - The company is transitioning to a forward flow agreement for receivables, which is expected to improve cash efficiency [31][70] Q&A Session Summary Question: Impact of potential rate cuts on the business model - Management has not assumed rate cuts in their guidance but noted that diversifying revenue away from consumer credit has positioned them well for potential tailwinds [42][43] Question: Details on the end-to-end checkout experience - The checkout experience aims to improve conversion rates significantly, with expectations of a 20% to 40% increase [46][47] Question: Stability of the personal loan market and other verticals - Personal loans are stabilizing, with growth driven by deeper engagement across the credit spectrum and new product offerings [52][55] Question: Marketing spend environment and customer acquisition costs - Management sees no impact on customer acquisition costs and anticipates increased spending on the MoneyLion marketplace [76][78] Question: Update on the EY Nexus partnership - The partnership with EY is progressing well, focusing on developing embedded financial services for regional banks [80] Question: Clarification on the 8-K filing regarding overdraft capabilities - The recent 8-K filing pertains to extending the relationship with Pathward to include overdraft protection for the Instacash product [82]

MoneyLion Inc. (ML) came out with quarterly earnings of $0.26 per share, beating the Zacks Consensus Estimate of a loss of $0.01 per share. This compares to loss of $0.42 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 2,700%. A quarter ago, it was expected that this company would post a loss of $0.29 per share when it actually produced earnings of $0.60, delivering a surprise of 306.90%.Over the last four quarters, the compan ...