MoneyLion (ML) Financials

$85.90 0.00 (0.00%)

As of 04/17/2025

Annual Income Statements for MoneyLion

This table shows MoneyLion's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	-67	-140	-196	-45	9.15
Consolidated Net Income / (Loss)	-42	-169	-189	-45	9.15
Net Income / (Loss) Continuing Operations	-42	-169	-189	-45	9.15
Total Pre-Tax Income	-42	-169	-215	-46	9.50
Total Operating Income	-43	-73	-99	-5.35	27
Total Gross Profit	75	171	341	423	546
Total Revenue	75	171	341	423	546
Operating Revenue	75	171	341	423	546
Total Cost of Revenue	0.00	0.00	0.00	0.00	0.00
Total Operating Expenses	118	244	576	455	519
Selling, General & Admin Expense	37	29	54	43	64
Marketing Expense	11	43	37	28	49
Other Operating Expenses / (Income)	69	172	348	357	406
Impairment Charge	-	0.00	137	27	0.00
Total Other Income / (Expense), net	1.40	-96	21	-14	-17
Interest Expense	-1.40	7.25	30	29	24
Other Income / (Expense), net	-	-89	51	14	7.10
Income Tax Expense	0.01	0.06	-26	-1.08	0.35
Preferred Stock Dividends Declared	17	-43	6.88	-0.69	0.00
Net Income / (Loss) Attributable to Noncontrolling Interest	8.41	13	0.00	0.00	0.00
Basic Earnings per Share	($1.49)	($1.44)	($24.32)	($4.63)	$0.84
Weighted Average Basic Shares Outstanding	45.18M	97.16M	8.06M	9.61M	10.91M
Diluted Earnings per Share	($1.49)	($1.44)	($24.32)	($4.63)	$0.76
Weighted Average Diluted Shares Outstanding	45.18M	97.16M	8.06M	9.61M	12.02M
Weighted Average Basic & Diluted Shares Outstanding	45.18M	97.16M	260.00M	10.52M	11.32M

This table shows MoneyLion's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	-23	-137	-11	-25	-4.11	-4.20	7.08	3.14	-2.79	1.73
Consolidated Net Income / (Loss)	-21	-135	-9.22	-28	-4.11	-4.20	7.08	3.14	-2.79	1.73
Net Income / (Loss) Continuing Operations	-21	-135	-9.22	-28	-4.11	-4.20	7.08	3.14	-2.79	1.73
Total Pre-Tax Income	-21	-132	-9.24	-28	-3.71	-5.39	6.69	1.31	0.52	0.98
Total Operating Income	-24	-17	-3.48	-1.72	1.10	-1.25	11	5.73	4.00	5.86
Total Gross Profit	89	95	94	107	110	113	121	131	135	159
Total Revenue	89	95	94	107	110	113	121	131	135	159
Operating Revenue	89	95	94	107	110	113	121	131	135	159
Total Operating Expenses	113	249	97	108	109	141	110	125	131	153
Selling, General & Admin Expense	13	17	11	10	11	11	12	18	18	16
Marketing Expense	6.95	9.40	6.39	6.55	7.03	8.16	11	11	11	17
Other Operating Expenses / (Income)	93	85	80	92	91	95	87	97	103	120
Total Other Income / (Expense), net	3.21	22	-5.77	0.46	-4.81	-4.14	-4.38	-4.41	-3.49	-4.87
Interest Expense	7.88	8.16	7.51	7.33	7.09	6.73	6.82	6.71	6.50	4.21
Other Income / (Expense), net	11	30	1.75	7.79	2.28	2.60	2.44	2.30	3.02	-0.66
Income Tax Expense	0.05	2.71	-0.02	-0.26	0.40	-1.19	-0.39	-1.82	3.31	-0.74
Basic Earnings per Share	($2.78)	($17.00)	($1.29)	($2.71)	($0.40)	($0.44)	$0.67	$0.29	($0.25)	$0.16
Weighted Average Basic Shares Outstanding	8.16M	8.06M	8.65M	9.23M	10.22M	9.61M	10.53M	10.86M	11.09M	10.91M
Diluted Earnings per Share	($2.78)	($17.00)	($1.29)	($2.71)	($0.40)	($0.44)	$0.60	$0.26	($0.25)	$0.16
Weighted Average Diluted Shares Outstanding	8.16M	8.06M	8.65M	9.23M	10.22M	9.61M	11.81M	12.09M	11.09M	12.02M
Basic & Diluted Earnings per Share	-	($17.00)	-	-	-	($0.44)	-	-	-	$0.16
Weighted Average Basic & Diluted Shares Outstanding	253.55M	260.00M	8.80M	10.17M	10.28M	10.52M	10.79M	-	11.10M	11.32M

This table details how cash moves in and out of MoneyLion's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	-25	237	-93	-59	56
Net Cash From Operating Activities	3.03	-8.57	3.36	116	201
Net Cash From Continuing Operating Activities	3.03	-8.57	3.36	116	201
Net Income / (Loss) Continuing Operations	-42	-169	-189	-45	9.15
Consolidated Net Income / (Loss)	-42	-169	-189	-45	9.15
Depreciation Expense	1.11	2.39	22	25	26
Non-Cash Adjustments To Reconcile Net Income	41	149	205	140	139
Changes in Operating Assets and Liabilities, net	2.32	9.52	-34	-2.92	28
Net Cash From Investing Activities	-43	-144	-142	-128	-68
Net Cash From Continuing Investing Activities	-43	-132	-142	-128	-68
Purchase of Property, Plant & Equipment	-1.19	-0.48	-8.89	-6.01	-9.16
Acquisitions	0.00	-	-19	-1.12	0.00
Sale and/or Maturity of Investments	-	-	-	0.00	703
Other Investing Activities, net	-42	-132	-114	-120	-762
Net Cash From Financing Activities	15	378	46	-48	-77
Net Cash From Continuing Financing Activities	15	378	46	-48	-77
Repayment of Debt	-18	-11	-26	-25	-67
Repurchase of Preferred Equity	12	-	0.00	-3.01	0.00
Repurchase of Common Equity	-	-	-	0.00	-1.19
Payment of Dividends	-3.80	-10	0.00	0.00	0.00
Issuance of Debt	15	203	69	-19	-6.16
Issuance of Common Equity	0.13	0.25	0.00	0.00	0.00
Other Financing Activities, net	9.80	196	2.40	-0.86	-2.30
Cash Interest Paid	3.09	4.38	28	28	24

This table details how cash moves in and out of MoneyLion's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-28	-36	-43	-8.58	-1.16	-6.54	7.42	1.21	13	34
Net Cash From Operating Activities	-0.39	13	2.68	35	36	42	34	48	60	59
Net Cash From Continuing Operating Activities	-0.39	13	2.68	35	36	42	34	48	60	59
Net Income / (Loss) Continuing Operations	-21	-135	-9.22	-28	-4.11	-4.20	7.08	3.14	-2.79	1.73
Consolidated Net Income / (Loss)	-21	-135	-9.22	-28	-4.11	-4.20	7.08	3.14	-2.79	1.73
Depreciation Expense	6.16	6.09	6.18	6.11	6.11	6.42	6.21	6.33	6.51	6.60
Non-Cash Adjustments To Reconcile Net Income	18	139	18	53	33	36	25	36	36	42
Changes in Operating Assets and Liabilities, net	-3.99	2.99	-12	4.43	1.03	3.89	-4.66	2.77	20	9.11
Net Cash From Investing Activities	-28	-40	-21	-36	-28	-43	-30	-44	-23	28
Net Cash From Continuing Investing Activities	-28	-40	-21	-36	-28	-43	-30	-44	-23	28
Purchase of Property, Plant & Equipment	-3.45	-2.43	-1.04	-1.64	-1.53	-1.81	-2.16	-2.24	-3.39	-1.37
Other Investing Activities, net	-25	-38	-20	-33	-26	-41	-28	-42	-19	-674
Net Cash From Financing Activities	0.44	-8.82	-25	-8.36	-9.26	-5.80	3.66	-2.67	-24	-53
Net Cash From Continuing Financing Activities	0.44	-8.82	-25	-8.36	-9.26	-5.80	3.66	-2.67	-24	-53
Repayment of Debt	-0.00	-	-	-	-9.98	-10	4.00	-4.00	-20	-47
Repurchase of Common Equity	-	-	-	-	-	-	-	-	-	-0.22
Other Financing Activities, net	0.44	1.18	-0.60	-0.18	0.72	-0.80	-0.34	-2.67	0.36	0.35
Cash Interest Paid	7.52	7.74	7.47	7.04	6.74	6.33	6.45	6.40	6.31	4.47

This table presents MoneyLion's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Total Assets	124	492	596	515	519
Total Current Assets	79	333	261	265	257
Cash & Equivalents	19	202	116	92	140
Note & Lease Receivable	69	154	170	208	128
Accounts Receivable	-9.13	-22	-25	-35	-12
Plant, Property, & Equipment, net	0.50	1.80	2.98	1.86	1.66
Total Noncurrent Assets	44	157	332	248	260
Noncurrent Note & Lease Receivables	-	6.00	19	16	33
Goodwill	22	53	27	0.00	0.00
Intangible Assets	9.28	25	194	177	161
Other Noncurrent Operating Assets	13	28	55	54	57
Other Noncurrent Nonoperating Assets	-	44	38	2.28	10
Total Liabilities & Shareholders' Equity	124	492	596	515	519
Total Liabilities	92	270	324	258	228
Total Current Liabilities	26	37	58	52	69
Accounts Payable	21	37	58	52	69
Total Noncurrent Liabilities	66	233	266	206	159
Long-Term Debt	17	187	232	190	119
Other Noncurrent Operating Liabilities	49	46	34	16	40
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	-329	222	99	257	291
Total Preferred & Common Equity	-329	222	99	257	291
Total Common Equity	-329	222	99	257	291
Common Stock	0.00	701	767	970	995
Retained Earnings	-328	-470	-658	-703	-694
Treasury Stock	-1.00	-9.70	-9.70	-9.70	-11

This table presents MoneyLion's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	759	557	518	512	538	546	531
Total Current Assets	279	245	253	252	276	295	297
Cash & Equivalents	126	97	97	94	93	98	112
Note & Lease Receivable	-	176	188	190	217	237	219
Accounts Receivable	153	-27	-32	-32	-34	-41	-34
Plant, Property, & Equipment, net	2.90	2.68	2.35	2.11	1.98	1.96	1.91
Total Noncurrent Assets	477	309	262	258	260	249	232
Noncurrent Note & Lease Receivables	-1.81	23	21	19	18	23	24
Goodwill	161	27	0.00	0.00	0.00	0.00	0.00
Intangible Assets	206	189	185	181	172	168	165
Other Noncurrent Operating Assets	112	56	50	51	61	52	38
Other Noncurrent Nonoperating Assets	-	14	5.44	6.75	8.73	4.75	4.42
Total Liabilities & Shareholders' Equity	759	557	518	512	538	546	531
Total Liabilities	357	288	264	256	267	267	248
Total Current Liabilities	54	50	43	46	50	49	54
Accounts Payable	54	50	43	46	50	49	54
Total Noncurrent Liabilities	303	238	221	211	217	218	195
Long-Term Debt	242	208	204	194	194	194	171
Other Noncurrent Operating Liabilities	61	30	17	16	23	24	24
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	173	173	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	229	95	254	256	270	278	282
Total Preferred & Common Equity	229	95	254	256	270	278	282
Total Common Equity	229	95	254	256	270	278	282
Common Stock	762	772	958	964	976	981	988
Retained Earnings	-523	-667	-694	-699	-696	-693	-695
Treasury Stock	-9.70	-9.70	-9.70	-9.70	-9.70	-9.70	-11

This table displays calculated financial ratios and metrics derived from MoneyLion's official financial filings.

Metric	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-
Revenue Growth	0.00%	127.91%	99.18%	24.27%	28.92%
EBITDA Growth	0.00%	-281.62%	83.44%	228.04%	75.28%
EBIT Growth	0.00%	-277.35%	70.32%	118.83%	272.35%
NOPAT Growth	0.00%	-70.67%	-34.53%	94.58%	785.74%
Net Income Growth	0.00%	-307.54%	-11.55%	76.07%	120.21%
EPS Growth	0.00%	3.36%	-11.55%	80.96%	116.41%
Operating Cash Flow Growth	0.00%	-382.99%	139.22%	3,361.65%	72.78%
Free Cash Flow Firm Growth	0.00%	0.00%	-43.81%	97.84%	2,239.52%
Invested Capital Growth	0.00%	373.74%	116.40%	0.52%	-26.51%
Revenue Q/Q Growth	0.00%	0.00%	13.07%	4.44%	9.12%
EBITDA Q/Q Growth	0.00%	0.00%	64.33%	-24.41%	7.27%
EBIT Q/Q Growth	0.00%	0.00%	46.91%	-55.45%	12.86%
NOPAT Q/Q Growth	0.00%	0.00%	14.56%	74.72%	27.46%
Net Income Q/Q Growth	0.00%	0.00%	-119.13%	74.30%	183.60%
EPS Q/Q Growth	0.00%	0.00%	-119.13%	73.31%	162.07%
Operating Cash Flow Q/Q Growth	0.00%	-1,865.37%	120.49%	33.16%	9.24%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-103.64%	268.61%
Invested Capital Q/Q Growth	0.00%	0.00%	-32.22%	0.89%	-23.18%
Profitability Metrics	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	-55.78%	-93.40%	-7.77%	8.00%	10.88%
Operating Margin	-57.26%	-42.88%	-28.96%	-1.26%	4.88%
EBIT Margin	-57.26%	-94.80%	-14.13%	2.14%	6.18%
Profit (Net Income) Margin	-55.40%	-99.07%	-55.49%	-10.69%	1.68%
Tax Burden Percent	100.01%	100.03%	88.06%	97.68%	96.27%
Interest Burden Percent	96.75%	104.47%	445.98%	-511.10%	28.15%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	3.73%
Return on Invested Capital (ROIC)	-87.95%	-52.33%	-26.94%	-1.06%	8.39%
ROIC Less NNEP Spread (ROIC-NNEP)	-498.60%	363.42%	-1,312.41%	-48.89%	-43.72%
Return on Net Nonoperating Assets (RNNOA)	-44.47%	-81.61%	-49.59%	-16.02%	-5.05%
Return on Equity (ROE)	-132.42%	-133.93%	-76.54%	-17.09%	3.34%
Cash Return on Invested Capital (CROIC)	0.00%	-182.61%	-100.52%	-1.58%	38.96%
Operating Return on Assets (OROA)	-34.76%	-52.73%	-8.85%	1.63%	6.53%
Return on Assets (ROA)	-33.63%	-55.10%	-34.76%	-8.14%	1.77%
Return on Common Equity (ROCE)	1,385.60%	56.59%	-49.70%	-11.50%	3.34%
Return on Equity Simple (ROE_SIMPLE)	12.65%	-76.45%	-190.67%	-17.59%	3.14%
Net Operating Profit after Tax (NOPAT)	-30	-51	-69	-3.74	26
NOPAT Margin	-40.08%	-30.01%	-20.27%	-0.88%	4.70%
Net Nonoperating Expense Percent (NNEP)	410.65%	-415.74%	1,285.47%	47.82%	52.11%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-0.84%	6.27%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	49.20%	16.98%	15.90%	10.19%	11.71%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	157.26%	142.88%	169.09%	107.57%	95.12%
Earnings before Interest and Taxes (EBIT)	-43	-162	-48	9.06	34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-42	-160	-26	34	59
Valuation Ratios	-	-	-	-	-
Price to Book Value (P/BV)	0.00	4.11	1.59	2.51	3.28
Price to Tangible Book Value (P/TBV)	0.00	6.33	0.00	7.99	7.32
Price to Revenue (P/Rev)	6.59	5.33	0.46	1.52	1.75
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	104.40
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.96%
Enterprise Value to Invested Capital (EV/IC)	25.06	5.53	1.27	2.11	3.60
Enterprise Value to Revenue (EV/Rev)	11.42	5.24	1.31	1.75	1.71
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	21.90	15.71
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	81.89	27.66
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	36.38
Enterprise Value to Operating Cash Flow (EV/OCF)	283.09	0.00	132.86	6.38	4.64
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	7.84
Leverage & Solvency	-	-	-	-	-
Debt to Equity	0.71	0.84	0.85	0.74	0.41
Long-Term Debt to Equity	0.55	0.84	0.85	0.74	0.41
Financial Leverage	0.09	-0.22	0.04	0.33	0.12
Leverage Ratio	3.94	2.43	2.20	2.10	1.89
Compound Leverage Factor	3.81	2.54	9.82	-10.73	0.53
Debt to Total Capital	41.42%	45.70%	46.00%	42.45%	28.95%
Short-Term Debt to Total Capital	9.33%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	32.09%	45.70%	46.00%	42.45%	28.95%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	671.54%	0.00%	34.34%	0.00%	0.00%
Common Equity to Total Capital	-612.97%	54.30%	19.66%	57.55%	71.05%
Debt to EBITDA	-0.53	-1.17	-8.77	5.60	2.00
Net Debt to EBITDA	-0.07	0.10	-4.39	2.88	-0.36
Long-Term Debt to EBITDA	-0.41	-1.17	-8.77	5.60	2.00
Debt to NOPAT	-0.74	-3.63	-3.36	-50.72	4.62
Net Debt to NOPAT	-0.09	0.30	-1.68	-26.07	-0.84
Long-Term Debt to NOPAT	-0.57	-3.63	-3.36	-50.72	4.62
Altman Z-Score	-0.52	0.67	-0.54	0.96	2.35
Noncontrolling Interest Sharing Ratio	1,146.39%	142.26%	35.06%	32.71%	0.00%
Liquidity Ratios	-	-	-	-	-
Current Ratio	3.05	9.04	4.49	5.06	3.71
Quick Ratio	3.05	9.04	4.49	5.06	3.71
Cash Flow Metrics	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-179	-258	-5.57	119
Operating Cash Flow to CapEx	255.53%	-1,788.94%	37.81%	1,936.52%	2,193.81%
Free Cash Flow to Firm to Interest Expense	0.00	-24.71	-8.65	-0.19	4.91
Operating Cash Flow to Interest Expense	0.00	-1.18	0.11	4.06	8.29
Operating Cash Flow Less CapEx to Interest Expense	0.00	-1.25	-0.19	3.85	7.91
Efficiency Ratios	-	-	-	-	-
Asset Turnover	0.61	0.56	0.63	0.76	1.06
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	149.53	148.57	142.66	174.97	310.00
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-
Invested Capital	34	162	351	352	259
Invested Capital Turnover	2.19	1.74	1.33	1.20	1.79
Increase / (Decrease) in Invested Capital	0.00	128	189	1.83	-93
Enterprise Value (EV)	857	896	447	742	933
Market Capitalization	494	911	157	645	955
Book Value per Share	($7.51)	$0.98	$0.39	$25.02	$26.21
Tangible Book Value per Share	($8.22)	$0.64	($0.48)	$7.85	$11.75
Total Capital	54	408	504	447	409
Total Debt	22	187	232	190	119
Total Long-Term Debt	17	187	232	190	119
Net Debt	2.80	-15	116	98	-21
Capital Expenditures (CapEx)	1.19	0.48	8.89	6.01	9.16
Debt-free, Cash-free Net Working Capital (DFCFNWC)	39	95	87	120	47
Debt-free Net Working Capital (DFNWC)	58	296	203	213	187
Net Working Capital (NWC)	53	296	203	213	187
Net Nonoperating Expense (NNE)	12	118	120	42	17
Net Nonoperating Obligations (NNO)	2.80	-60	78	95	-32
Total Depreciation and Amortization (D&A)	1.11	2.39	22	25	26
Debt-free, Cash-free Net Working Capital to Revenue	51.55%	55.27%	25.53%	28.44%	8.70%
Debt-free Net Working Capital to Revenue	77.41%	173.21%	59.54%	50.22%	34.34%
Net Working Capital to Revenue	70.75%	173.21%	59.54%	50.22%	34.34%
Earnings Adjustments	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	($41.70)	($24.30)	($4.63)	$0.84
Adjusted Weighted Average Basic Shares Outstanding	0.00	7.69M	8.06M	9.61M	10.91M
Adjusted Diluted Earnings per Share	$0.00	($41.70)	($24.30)	($4.63)	$0.76
Adjusted Weighted Average Diluted Shares Outstanding	0.00	7.69M	8.06M	9.61M	12.02M
Adjusted Basic & Diluted Earnings per Share	$0.00	($41.70)	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	3.24M	8.67M	10.52M	11.32M
Normalized Net Operating Profit after Tax (NOPAT)	-30	-51	27	15	26
Normalized NOPAT Margin	-40.08%	-30.01%	7.82%	3.53%	4.70%
Pre Tax Income Margin	-55.39%	-99.04%	-63.01%	-10.94%	1.74%
Debt Service Ratios	-	-	-	-	-
EBIT to Interest Expense	0.00	-22.37	-1.62	0.32	1.39
NOPAT to Interest Expense	0.00	-7.08	-2.32	-0.13	1.06
EBIT Less CapEx to Interest Expense	0.00	-22.43	-1.91	0.11	1.01
NOPAT Less CapEx to Interest Expense	0.00	-7.15	-2.62	-0.34	0.68
Payout Ratios	-	-	-	-	-
Dividend Payout Ratio	-9.13%	-6.04%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-9.13%	-6.04%	0.00%	0.00%	13.05%

This table displays calculated financial ratios and metrics derived from MoneyLion's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	100.71%	70.92%	34.36%	21.98%	24.24%	18.98%	29.18%	22.81%	22.86%	40.39%
EBITDA Growth	69.26%	164.52%	115.47%	228.76%	236.91%	-58.48%	342.64%	17.89%	42.66%	51.79%
EBIT Growth	43.16%	142.24%	94.63%	139.22%	125.82%	-89.32%	880.52%	32.33%	107.84%	285.10%
NOPAT Growth	4.63%	49.66%	88.62%	93.61%	104.55%	92.67%	581.12%	1,236.45%	-2,904.95%	1,274.12%
Net Income Growth	14.72%	-319.01%	7.63%	-20.20%	80.44%	96.89%	176.76%	111.32%	32.07%	141.14%
EPS Growth	14.72%	-319.01%	7.63%	15.31%	85.61%	97.41%	146.51%	109.59%	37.50%	136.36%
Operating Cash Flow Growth	94.20%	303.73%	130.98%	4,216.76%	9,445.08%	218.56%	1,155.19%	35.16%	67.28%	40.28%
Free Cash Flow Firm Growth	-299.92%	0.00%	142.35%	165.85%	139.21%	98.65%	-74.64%	-100.37%	-105.59%	3,940.60%
Invested Capital Growth	397.91%	116.40%	-14.79%	-29.06%	-32.47%	0.52%	-1.04%	4.00%	-3.49%	-26.51%
Revenue Q/Q Growth	1.61%	6.98%	-1.34%	13.74%	3.49%	2.45%	7.12%	8.13%	3.53%	17.07%
EBITDA Q/Q Growth	26.77%	370.22%	-76.20%	173.44%	-22.13%	-18.05%	153.67%	-27.17%	-5.77%	-12.81%
EBIT Q/Q Growth	15.40%	196.52%	-113.70%	450.64%	-44.31%	-60.07%	900.96%	-40.55%	-12.53%	-26.01%
NOPAT Q/Q Growth	10.16%	29.48%	79.61%	50.52%	164.01%	-213.53%	1,437.90%	16.88%	-257.99%	147.52%
Net Income Q/Q Growth	8.88%	-542.37%	93.17%	-200.78%	85.17%	-2.07%	268.65%	-55.66%	-189.00%	161.82%
EPS Q/Q Growth	8.88%	-542.37%	93.17%	-110.08%	85.24%	-10.00%	236.36%	-56.67%	-196.15%	164.00%
Operating Cash Flow Q/Q Growth	55.06%	3,534.46%	-79.78%	1,219.51%	2.00%	17.07%	-20.35%	42.09%	26.24%	-1.83%
Free Cash Flow Firm Q/Q Growth	-96.25%	53.40%	130.49%	136.18%	16.84%	-101.60%	674.11%	-103.48%	-1,649.42%	1,199.84%
Invested Capital Q/Q Growth	3.23%	-32.22%	4.50%	-2.97%	-1.73%	0.89%	2.88%	1.96%	-8.81%	-23.18%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	-7.81%	19.72%	4.76%	11.43%	8.60%	6.88%	16.29%	10.97%	9.99%	7.44%
Operating Margin	-27.24%	-17.95%	-3.71%	-1.61%	1.00%	-1.11%	9.14%	4.38%	2.96%	3.69%
EBIT Margin	-14.74%	13.30%	-1.85%	5.69%	3.06%	1.19%	11.16%	6.13%	5.18%	3.28%
Profit (Net Income) Margin	-23.68%	-142.20%	-9.84%	-26.02%	-3.73%	-3.71%	5.85%	2.40%	-2.06%	1.09%
Tax Burden Percent	100.25%	102.05%	99.74%	99.06%	110.78%	77.90%	105.82%	238.92%	-540.04%	175.41%
Interest Burden Percent	160.23%	-1,047.53%	534.16%	-461.34%	-109.83%	-399.18%	49.51%	16.36%	7.36%	18.94%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-5.82%	-138.92%	640.04%	-75.41%
Return on Invested Capital (ROIC)	-18.50%	-16.70%	-2.38%	-1.01%	0.65%	-0.93%	11.96%	13.70%	-23.26%	11.57%
ROIC Less NNEP Spread (ROIC-NNEP)	-12.50%	-1,335.19%	-17.53%	-29.06%	-4.02%	-4.76%	7.08%	2.78%	2.16%	-15.41%
Return on Net Nonoperating Assets (RNNOA)	2.26%	-50.45%	-2.22%	-8.23%	-1.28%	-1.56%	2.49%	1.01%	0.59%	-1.78%
Return on Equity (ROE)	-16.24%	-67.16%	-4.60%	-9.24%	-0.62%	-2.49%	14.46%	14.71%	-22.66%	9.78%
Cash Return on Invested Capital (CROIC)	0.00%	-100.52%	3.38%	26.41%	35.34%	-1.58%	2.81%	-0.71%	9.41%	38.96%
Operating Return on Assets (OROA)	-7.24%	8.33%	-0.99%	3.36%	1.95%	0.91%	9.19%	5.48%	4.97%	3.46%
Return on Assets (ROA)	-11.63%	-89.08%	-5.25%	-15.35%	-2.38%	-2.83%	4.81%	2.14%	-1.98%	1.15%
Return on Common Equity (ROCE)	-9.88%	-43.61%	-2.21%	-6.56%	-0.46%	-1.68%	9.81%	14.71%	-22.66%	9.78%
Return on Equity Simple (ROE_SIMPLE)	-37.69%	0.00%	-197.20%	-76.07%	-68.78%	0.00%	-10.71%	0.68%	1.14%	0.00%
Net Operating Profit after Tax (NOPAT)	-17	-12	-2.43	-1.20	0.77	-0.88	12	14	-22	10
NOPAT Margin	-19.07%	-12.57%	-2.60%	-1.13%	0.70%	-0.77%	9.67%	10.46%	-15.96%	6.48%
Net Nonoperating Expense Percent (NNEP)	-5.99%	1,318.49%	15.15%	28.05%	4.68%	3.83%	4.88%	10.92%	-25.42%	26.98%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-0.20%	-	-	-	2.51%
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	14.51%	18.39%	11.78%	9.51%	9.85%	9.86%	10.21%	13.39%	13.39%	10.05%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	127.24%	262.00%	103.71%	101.61%	99.00%	124.76%	90.86%	95.62%	97.05%	96.31%
Earnings before Interest and Taxes (EBIT)	-13	13	-1.73	6.07	3.38	1.35	14	8.03	7.02	5.20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-6.93	19	4.45	12	9.48	7.77	20	14	14	12
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.95	1.59	1.55	0.42	0.86	2.51	2.77	2.85	1.59	3.28
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	1.54	2.93	7.99	7.65	7.20	3.83	7.32
Price to Revenue (P/Rev)	0.72	0.46	0.40	0.28	0.54	1.52	1.66	1.67	0.90	1.75
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	416.02	138.99	104.40
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.24%	0.72%	0.96%
Enterprise Value to Invested Capital (EV/IC)	0.98	1.27	1.18	0.60	0.92	2.11	2.35	2.41	1.50	3.60
Enterprise Value to Revenue (EV/Rev)	1.68	1.31	1.19	0.55	0.79	1.75	1.89	1.87	1.01	1.71
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	63.75	7.49	7.14	21.90	17.32	17.33	9.16	15.71
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	54.88	15.74	81.89	35.03	33.87	16.97	27.66
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	132.24	76.35	25.21	36.38
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	132.86	29.44	4.18	3.66	6.38	5.78	5.57	2.76	4.64
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	32.14	1.88	2.09	0.00	83.14	0.00	15.70	7.84
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.60	0.85	0.78	0.80	0.76	0.74	0.72	0.70	0.61	0.41
Long-Term Debt to Equity	0.60	0.85	0.78	0.80	0.76	0.74	0.72	0.70	0.61	0.41
Financial Leverage	-0.18	0.04	0.13	0.28	0.32	0.33	0.35	0.36	0.28	0.12
Leverage Ratio	1.62	2.20	1.93	1.95	1.93	2.10	2.03	2.00	1.94	1.89
Compound Leverage Factor	2.59	-23.07	10.32	-8.99	-2.12	-8.38	1.01	0.33	0.14	0.36
Debt to Total Capital	37.54%	46.00%	43.67%	44.58%	43.17%	42.45%	41.78%	41.11%	37.72%	28.95%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	37.54%	46.00%	43.67%	44.58%	43.17%	42.45%	41.78%	41.11%	37.72%	28.95%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	26.90%	34.34%	36.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	35.56%	19.66%	20.01%	55.42%	56.83%	57.55%	58.22%	58.89%	62.28%	71.05%
Debt to EBITDA	-3.26	-8.77	30.71	7.18	4.34	5.60	3.95	3.79	3.09	2.00
Net Debt to EBITDA	-1.55	-4.39	16.45	3.78	2.23	2.88	2.05	1.87	1.07	-0.36
Long-Term Debt to EBITDA	-3.26	-8.77	30.71	7.18	4.34	5.60	3.95	3.79	3.09	2.00
Debt to NOPAT	-2.99	-3.36	-4.16	-6.28	-13.14	-50.72	30.16	16.69	8.50	4.62
Net Debt to NOPAT	-1.43	-1.68	-2.23	-3.30	-6.77	-26.07	15.68	8.25	2.94	-0.84
Long-Term Debt to NOPAT	-2.99	-3.36	-4.16	-6.28	-13.14	-50.72	30.16	16.69	8.50	4.62
Altman Z-Score	0.10	-0.20	-0.30	-0.37	-0.10	0.92	1.30	1.46	0.79	2.16
Noncontrolling Interest Sharing Ratio	39.14%	35.06%	52.06%	29.01%	26.31%	32.71%	32.14%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	5.16	4.49	4.88	5.92	5.54	5.06	5.51	6.03	5.55	3.71
Quick Ratio	5.16	4.49	4.88	5.92	5.54	5.06	5.51	6.03	5.55	3.71
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-430	-201	61	144	169	-2.70	16	-0.54	-9.43	104
Operating Cash Flow to CapEx	-11.18%	546.46%	258.44%	2,158.91%	2,362.28%	2,338.37%	1,559.53%	2,130.04%	1,781.05%	4,311.50%
Free Cash Flow to Firm to Interest Expense	-54.61	-24.57	8.14	19.70	23.81	-0.40	2.27	-0.08	-1.45	24.63
Operating Cash Flow to Interest Expense	-0.05	1.62	0.36	4.82	5.09	6.27	4.93	7.12	9.28	14.07
Operating Cash Flow Less CapEx to Interest Expense	-0.49	1.33	0.22	4.60	4.87	6.00	4.62	6.78	8.76	13.74
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.49	0.63	0.53	0.59	0.64	0.76	0.82	0.89	0.96	1.06
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	172.99	142.66	151.27	174.78	161.94	174.97	193.59	220.50	249.08	310.00
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	517	351	366	356	349	352	363	370	337	259
Invested Capital Turnover	0.97	1.33	0.92	0.90	0.94	1.20	1.24	1.31	1.46	1.79
Increase / (Decrease) in Invested Capital	413	189	-64	-146	-168	1.83	-3.80	14	-12	-93
Enterprise Value (EV)	505	447	433	213	320	742	851	889	507	933
Market Capitalization	217	157	148	106	220	645	750	793	448	955
Book Value per Share	$0.94	$0.39	$0.37	$28.83	$25.18	$25.02	$25.71	$25.81	$25.47	$26.21
Tangible Book Value per Share	($0.57)	($0.48)	($0.46)	$7.78	$7.38	$7.85	$9.33	$10.21	$10.56	$11.75
Total Capital	644	504	477	458	450	447	465	473	454	409
Total Debt	242	232	208	204	194	190	194	194	171	119
Total Long-Term Debt	242	232	208	204	194	190	194	194	171	119
Net Debt	115	116	112	107	100	98	101	96	59	-21
Capital Expenditures (CapEx)	3.45	2.43	1.04	1.64	1.53	1.81	2.16	2.24	3.39	1.37
Debt-free, Cash-free Net Working Capital (DFCFNWC)	99	87	98	114	112	120	133	148	132	47
Debt-free Net Working Capital (DFNWC)	225	203	195	211	207	213	226	246	244	187
Net Working Capital (NWC)	225	203	195	211	207	213	226	246	244	187
Net Nonoperating Expense (NNE)	4.10	123	6.78	27	4.88	3.32	4.63	11	-19	8.55
Net Nonoperating Obligations (NNO)	115	78	98	102	93	95	92	91	55	-32
Total Depreciation and Amortization (D&A)	6.16	6.09	6.18	6.11	6.11	6.42	6.21	6.33	6.51	6.60
Debt-free, Cash-free Net Working Capital to Revenue	32.74%	25.53%	26.99%	29.64%	27.75%	28.44%	29.44%	31.12%	26.31%	8.70%
Debt-free Net Working Capital to Revenue	74.68%	59.54%	53.52%	54.84%	51.00%	50.22%	50.11%	51.83%	48.68%	34.34%
Net Working Capital to Revenue	74.68%	59.54%	53.52%	54.84%	51.00%	50.22%	50.11%	51.83%	48.68%	34.34%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($2.70)	($510.00)	($1.29)	($2.71)	($0.40)	($0.44)	$0.67	$0.29	($0.25)	$0.16
Adjusted Weighted Average Basic Shares Outstanding	8.16M	268.55K	8.65M	9.23M	10.22M	9.61M	10.53M	10.86M	11.09M	10.91M
Adjusted Diluted Earnings per Share	($2.70)	($510.00)	($1.29)	($2.71)	($0.40)	($0.44)	$0.60	$0.26	($0.25)	$0.16
Adjusted Weighted Average Diluted Shares Outstanding	8.16M	268.55K	8.65M	9.23M	10.22M	9.61M	11.81M	12.09M	11.09M	12.02M
Adjusted Basic & Diluted Earnings per Share	$0.00	($510.00)	$0.00	$0.00	$0.00	($0.44)	$0.00	$0.00	$0.00	$0.16
Adjusted Weighted Average Basic & Diluted Shares Outstanding	8.45M	8.67M	8.80M	10.17M	10.28M	10.52M	10.79M	0.00	11.10M	11.32M
Normalized Net Operating Profit after Tax (NOPAT)	-17	-12	-2.43	18	0.77	-0.88	7.74	4.01	2.80	4.10
Normalized NOPAT Margin	-19.07%	-12.57%	-2.60%	16.43%	0.70%	-0.77%	6.40%	3.06%	2.07%	2.59%
Pre Tax Income Margin	-23.62%	-139.34%	-9.87%	-26.27%	-3.36%	-4.77%	5.53%	1.00%	0.38%	0.62%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-1.66	1.55	-0.23	0.83	0.48	0.20	1.98	1.20	1.08	1.23
NOPAT to Interest Expense	-2.15	-1.46	-0.32	-0.16	0.11	-0.13	1.72	2.04	-3.32	2.44
EBIT Less CapEx to Interest Expense	-2.10	1.25	-0.37	0.60	0.26	-0.07	1.66	0.86	0.56	0.91
NOPAT Less CapEx to Interest Expense	-2.59	-1.76	-0.46	-0.39	-0.11	-0.40	1.40	1.70	-3.84	2.11
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.05%

Frequently Asked Questions About MoneyLion's Financials

When does MoneyLion's fiscal year end?

According to the most recent income statement we have on file, MoneyLion's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has MoneyLion's net income changed over the last 4 years?

MoneyLion's net income appears to be on a downward trend, with a most recent value of $9.15 million in 2024, falling from -$41.59 million in 2020. The previous period was -$45.25 million in 2023.

What is MoneyLion's operating income?

MoneyLion's total operating income in 2024 was $26.65 million, based on the following breakdown:

Total Gross Profit: $545.91 million
Total Operating Expenses: $519.26 million

How has MoneyLion revenue changed over the last 4 years?

Over the last 4 years, MoneyLion's total revenue changed from $75.06 million in 2020 to $545.91 million in 2024, a change of 627.3%.

How much debt does MoneyLion have?

MoneyLion's total liabilities were at $227.65 million at the end of 2024, a 11.8% decrease from 2023, and a 146.8% increase since 2020.

How much cash does MoneyLion have?

In the past 4 years, MoneyLion's cash and equivalents has ranged from $19.41 million in 2020 to $201.76 million in 2021, and is currently $139.98 million as of their latest financial filing in 2024.

How has MoneyLion's book value per share changed over the last 4 years?

Over the last 4 years, MoneyLion's book value per share changed from -7.51 in 2020 to 26.21 in 2024, a change of -448.9%.

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This page (NYSE:ML) was last updated on 4/18/2025 by MarketBeat.com Staff

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MoneyLion (ML) Financials

Frequently Asked Questions About MoneyLion's Financials

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MoneyLion (ML) Financials

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