MoneyLion Inc (ML) Stock Analysis
Verdict: WATCH (do not buy)
Profitability is scaling but extreme earnings volatility and a 102x P/E make ML a high-risk bet despite impressive 20% FCF yield.
Investment score: 48/100
Analysis as of
Is MoneyLion Inc stock worth reviewing? The TradeMates thesis
MoneyLion is a high-growth fintech story marred by extreme valuation and earnings unpredictability. Despite strong FCF and gross margins, the recent trend of analyst downgrades and massive earnings misses suggests a 'wait-and-see' approach is prudent.
7-factor investment score
- Valuation: 35/100 (weight 20%)
- Financial Health: 65/100 (weight 15%)
- Technical Momentum: 40/100 (weight 15%)
- Earnings Quality: 30/100 (weight 15%)
- Insider Sentiment: 50/100 (weight 10%)
- Analyst Consensus: 60/100 (weight 10%)
- Risk-Adjusted Return: 45/100 (weight 15%)
MoneyLion Inc opportunities and risks
What speaks for ML
- Exceptional Free Cash Flow Generation
What speaks against ML
- Extreme Earnings Volatility
Peers and competitors
- EZPW
- PRG
- ATLC
- OPFI
- JCAP
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| ML | 102.3x | 1.8x | 16.0x | 75.0% | 1.7% | 19.7% |
| EZPW | 11.5x | 1.1x | 6.3x | 57.9% | 10.0% | 11.9% |
| PRG | 12.5x | 0.7x | 2.7x | 37.2% | 5.8% | 9.4% |
| ATLC | 13.3x | 1.3x | 23.2x | 75.1% | 10.8% | 47.0% |
| OPFI | 4.1x | 1.4x | 6.2x | 98.1% | 10.9% | 47.1% |
| JCAP | 1.0x | 2.0x | 10.1x | 66.8% | 25.4% | 20.3% |
| Peer median | 11.5x | 1.3x | 6.3x | 66.8% | 10.8% | 20.3% |
Frequently asked questions about MoneyLion Inc (ML)
Is ML stock a good investment?
The TradeMates model rates MoneyLion Inc as WATCH (do not buy) with an investment score of 48/100. MoneyLion is a high-growth fintech story marred by extreme valuation and earnings unpredictability. Despite strong FCF and gross margins, the recent trend of analyst downgrades and massive earnings misses suggests a 'wait-and-see' approach is prudent. This is algorithmic model output, not personal investment advice.
Is ML stock a buy?
The TradeMates model verdict for ML is WATCH (do not buy) with an investment score of 48/100. Treat this as a model signal to review, not a personal buy recommendation.