$ML Market Cap: $970.1 Million
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Financial Snapshot

Revenue
$545.9M
TTM
Gross Margin
73.2%
TTM
Net Earnings
$9.146M
TTM
Current Assets
$296.1M
Q4 2024
Current Liabilities
$82.45M
Q4 2024
Current Ratio
359.16%
Q4 2024
Total Assets
$518.6M
Q4 2024
Total Liabilities
$227.6M
Q4 2024
Book Value
$290.9M
Q4 2024
Cash
$140.0M
Q4 2024
P/E
106.1
Apr 15, 2025 EST
Free Cash Flow
$191.9M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019
Revenue $545.9M $423.4M $340.7M $171.1M $79.41M $60.38M
YoY Change 28.92% 24.27% 99.14% 115.48% 31.51%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 2024 2023 2022 2021 2020 2019
Revenue $545.9M $423.4M $340.7M $171.1M $79.41M $60.38M
Cost Of Revenue $146.4M $126.4M $106.4M $8.864M $4.336M $3.593M
Gross Profit $399.5M $297.1M $234.3M $162.2M $75.08M $56.79M
Gross Profit Margin 73.18% 70.16% 68.77% 94.82% 94.54% 94.05%

Selling, General & Admin Expense

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operating Profits/Loss YoY Change

Operating Earnings to Gross Profit Ratio

Operating Profit Margin

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019
Selling, General & Admin $214.8M $165.2M $191.0M $141.9M $65.67M $81.58M
YoY Change 30.03% -13.53% 34.58% 116.16% -19.51%
% of Gross Profit 53.77% 55.6% 81.52% 87.49% 87.47% 143.65%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $835.0K $1.293M $1.235M $2.392M $1.108M $898.0K
YoY Change -35.42% 4.7% -48.37% 115.88% 23.39%
% of Gross Profit 0.21% 0.44% 0.53% 1.47% 1.48% 1.58%
Operating Expenses $519.3M $428.8M $439.4M $281.6M $109.9M $132.7M
YoY Change 21.1% -2.42% 56.06% 156.25% -17.22%
Operating Profit $26.65M -$5.345M -$98.68M -$119.3M -$34.81M -$75.95M
YoY Change -598.6% -94.58% -17.31% 242.8% -54.17%
Operating Profit To Gross Profit 6.67% -1.8% -42.11% -73.55% -46.37% -133.74%
Operating Profit To Revenue 4.88% -1.26% -28.96% -69.74% -43.84% -125.78%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019
Interest Expense $24.25M $28.66M $29.80M -$48.70M -$6.771M -$3.192M
YoY Change -15.41% -3.81% -161.19% 619.2% 112.12%
% of Operating Profit 90.98%
Other Income/Expense, Net $7.744M $8.268M $1.359M $3.519M
YoY Change -6.34% 508.39% -61.38%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019
Pretax Income $9.500M -$46.32M -$214.7M -$164.8M -$41.58M -$79.15M
YoY Change -120.51% -78.43% 30.26% 296.38% -47.46%
Income Tax $354.0K -$1.076M -$25.63M $56.00K $6.000K -$8.000K
% Of Pretax Income 3.73%
Net Earnings $9.146M -$45.25M -$189.1M -$177.7M -$50.00M -$88.85M
YoY Change -120.21% -76.07% 6.43% 255.33% -43.73%
Net Earnings / Revenue 1.68% -10.69% -55.49% -103.82% -62.96% -147.14%
Basic Earnings Per Share $0.84 -$4.63 -$0.81 -$1.44
Diluted Earnings Per Share $0.76 -$4.63 -$0.81 -$767.5K -$190.4K -$338.4K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

No data

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019
Cash & Short-Term Investments $140.0M $92.20M $115.9M $201.8M $19.41M $28.23M
YoY Change 51.83% -20.43% -42.57% 939.69% -31.26%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets $6.969M $5.987M $8.804M $8.836M $1.591M $1.161M
YoY Change 16.4% -32.0% -0.36% 455.37% 37.04%
Inventory
Prepaid Expenses
Receivables $116.6M $172.8M $145.1M $131.4M $59.67M $41.74M
Other Receivables $32.58M $15.98M $19.02M $0.00 $0.00 $0.00
Total Short-Term Assets $296.1M $287.0M $288.8M $342.0M $80.67M $71.13M
YoY Change 3.18% -0.63% -15.55% 323.98% 13.41%
Property, Plant & Equipment $13.49M $8.023M $12.10M $1.801M $502.0K $741.0K
YoY Change 68.19% -33.69% 571.79% 258.76% -32.25%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $18.45M $2.284M $37.85M $44.46M $1.521M $17.58M
YoY Change 707.57% -93.96% -14.88% 2823.14% -91.35%
Total Long-Term Assets $222.5M $228.3M $307.5M $149.5M $42.97M $26.27M
YoY Change -2.54% -25.77% 105.67% 247.93% 63.59%
Total Assets $518.6M $515.3M $596.3M $491.5M $123.6M $97.40M
YoY Change
Accounts Payable $69.11M $52.40M $58.13M $75.00M $18.87M $14.17M
YoY Change 31.91% -9.86% -22.5% 297.58% 33.16%
Accrued Expenses $13.34M $6.989M $9.618M $2.103M $1.961M
YoY Change 90.83% -27.33% 7.24%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $5.000M $0.00
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $82.45M $59.39M $67.75M $75.00M $25.97M $16.13M
YoY Change 38.84% -12.34% -9.67% 188.83% 61.01%
Long-Term Debt $118.5M $189.8M $232.0M $186.6M $41.60M $29.24M
YoY Change -37.53% -18.21% 24.34% 348.51% 42.29%
Other Long-Term Liabilities $26.66M $8.898M $24.22M $8.260M $24.67M $10.25M
YoY Change 199.65% -63.25% 193.16% -66.51% 140.7%
Total Long-Term Liabilities $145.2M $198.7M $256.2M $194.9M $66.27M $39.49M
YoY Change -26.91% -22.47% 31.5% 194.03% 67.83%
Total Liabilities $227.6M $258.0M $324.0M $258.3M $164.1M $129.6M
YoY Change -11.78% -20.35% 25.42% 57.42% 26.62%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 2024 2023 2022 2021 2020 2019
Basic Shares Outstanding 10.91M 9.614M 241.7M 97.16M
Diluted Shares Outstanding 12.02M 9.614M 241.7M 97.16M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $970.13 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 575 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. The Company, through its consumer platform, accessible through the free-to-download MoneyLion mobile application and online at www.moneylion.com, offers its integrated core suite of financial products and services to make banking, borrowing and investing accessible to everyone. The Company’s financial products and services include RoarMoney, Instacash, Membership Programs, MoneyLion Active Investing, MoneyLion Managed Investing, MoneyLion Crypto, and Round Ups. Its marketplace solutions provide valuable distribution, acquisition, growth and monetization channels for its partners. MoneyLion Crypto is an online digital asset account available only to RoarMoney account holders that enable customers to buy, sell and hold certain digital assets.

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.