Financial Snapshot

Revenue
$500.3M
TTM
Gross Margin
72.88%
TTM
Net Earnings
$3.225M
TTM
Current Assets
$326.2M
Q3 2024
Current Liabilities
$67.77M
Q3 2024
Current Ratio
481.35%
Q3 2024
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$282.5M
Q3 2024
Cash
Q3 2024
P/E
306.6
Nov 29, 2024 EST
Free Cash Flow
$174.4M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019
Revenue $423.4M $340.7M $171.1M $79.41M $60.38M
YoY Change 24.27% 99.14% 115.48% 31.51%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019
Revenue $423.4M $340.7M $171.1M $79.41M $60.38M
Cost Of Revenue $126.4M $106.4M $8.864M $4.336M $3.593M
Gross Profit $297.1M $234.3M $162.2M $75.08M $56.79M
Gross Profit Margin 70.16% 68.77% 94.82% 94.54% 94.05%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019
Selling, General & Admin $165.2M $191.0M $141.9M $65.67M $81.58M
YoY Change -13.53% 34.58% 116.16% -19.51%
% of Gross Profit 55.6% 81.52% 87.49% 87.47% 143.65%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.293M $1.235M $2.392M $1.108M $898.0K
YoY Change 4.7% -48.37% 115.88% 23.39%
% of Gross Profit 0.44% 0.53% 1.47% 1.48% 1.58%
Operating Expenses $428.8M $439.4M $281.6M $109.9M $132.7M
YoY Change -2.42% 56.06% 156.25% -17.22%
Operating Profit -$5.345M -$98.68M -$119.3M -$34.81M -$75.95M
YoY Change -94.58% -17.31% 242.8% -54.17%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019
Interest Expense $28.66M $29.80M -$48.70M -$6.771M -$3.192M
YoY Change -3.81% -161.19% 619.2% 112.12%
% of Operating Profit
Other Income/Expense, Net $8.268M $1.359M $3.519M
YoY Change 508.39% -61.38%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019
Pretax Income -$46.32M -$214.7M -$164.8M -$41.58M -$79.15M
YoY Change -78.43% 30.26% 296.38% -47.46%
Income Tax -$1.076M -$25.63M $56.00K $6.000K -$8.000K
% Of Pretax Income
Net Earnings -$45.25M -$189.1M -$177.7M -$50.00M -$88.85M
YoY Change -76.07% 6.43% 255.33% -43.73%
Net Earnings / Revenue -10.69% -55.49% -103.82% -62.96% -147.14%
Basic Earnings Per Share -$4.63 -$0.81 -$1.44
Diluted Earnings Per Share -$4.63 -$0.81 -$767.5K -$190.4K -$338.4K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019
Cash & Short-Term Investments $92.20M $115.9M $201.8M $19.41M $28.23M
YoY Change -20.43% -42.57% 939.69% -31.26%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets $5.987M $8.804M $8.836M $1.591M $1.161M
YoY Change -32.0% -0.36% 455.37% 37.04%
Inventory
Prepaid Expenses
Receivables $172.8M $145.1M $131.4M $59.67M $41.74M
Other Receivables $15.98M $19.02M $0.00 $0.00 $0.00
Total Short-Term Assets $287.0M $288.8M $342.0M $80.67M $71.13M
YoY Change -0.63% -15.55% 323.98% 13.41%
Property, Plant & Equipment $8.023M $12.10M $1.801M $502.0K $741.0K
YoY Change -33.69% 571.79% 258.76% -32.25%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $2.284M $37.85M $44.46M $1.521M $17.58M
YoY Change -93.96% -14.88% 2823.14% -91.35%
Total Long-Term Assets $228.3M $307.5M $149.5M $42.97M $26.27M
YoY Change -25.77% 105.67% 247.93% 63.59%
Total Assets $515.3M $596.3M $491.5M $123.6M $97.40M
YoY Change
Accounts Payable $52.40M $58.13M $75.00M $18.87M $14.17M
YoY Change -9.86% -22.5% 297.58% 33.16%
Accrued Expenses $6.989M $9.618M $2.103M $1.961M
YoY Change -27.33% 7.24%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $5.000M $0.00
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $59.39M $67.75M $75.00M $25.97M $16.13M
YoY Change -12.34% -9.67% 188.83% 61.01%
Long-Term Debt $189.8M $232.0M $186.6M $41.60M $29.24M
YoY Change -18.21% 24.34% 348.51% 42.29%
Other Long-Term Liabilities $8.898M $24.22M $8.260M $24.67M $10.25M
YoY Change -63.25% 193.16% -66.51% 140.7%
Total Long-Term Liabilities $198.7M $256.2M $194.9M $66.27M $39.49M
YoY Change -22.47% 31.5% 194.03% 67.83%
Total Liabilities $258.0M $324.0M $258.3M $164.1M $129.6M
YoY Change -20.35% 25.42% 57.42% 26.62%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019
Basic Shares Outstanding 9.614M 241.7M 97.16M
Diluted Shares Outstanding 9.614M 241.7M 97.16M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $988.79 Million

About MONEYLION INC.

MoneyLion, Inc. operates as a digital financial services and lifestyle content platform. The company is headquartered in New York City, New York and currently employs 600 full-time employees. The company went IPO on 2020-06-26. The firm designs and offers modern personal finance products, tools and features and curates money-related content that delivers actionable insights and guidance to its users. Through its Consumer platform, accessible through the free-to-download MoneyLion mobile application and online at www.moneylion.com, it offers its integrated core suite of financial products and services to make banking, borrowing and investing accessible to everyone. Its financial products and services include RoarMoney, Instacash, Membership Programs, MoneyLion Investing, MoneyLion Crypto and Round Ups. Its marketplace solutions provide valuable distribution, acquisition, growth and monetization channels for its partners. MoneyLion Investing is an online investment account that offers access to separately managed accounts invested based on model exchange-traded fund (ETF) portfolios. MoneyLion Crypto is an online cryptocurrency account.

Industry: Finance Services Peers: AMERICAN EXPRESS CO Atlanticus Holdings Corp CONSUMER PORTFOLIO SERVICES, INC. CURO Group Holdings Corp. EZCORP INC OppFi Inc. LendingTree, Inc. MEDALLION FINANCIAL CORP Regional Management Corp. Sunlight Financial Holdings Inc.