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	2024	2023	2022	2021	2020
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Net Income / (Loss) Attributable to Common Shareholders	9.15	-45	-196	-140	-67
Consolidated Net Income / (Loss)	9.15	-45	-189	-169	-42
Net Income / (Loss) Continuing Operations	9.15	-45	-189	-169	-42
Total Pre-Tax Income	9.50	-46	-215	-169	-42
Total Operating Income	27	-5.35	-99	-73	-43
Total Gross Profit	546	423	341	171	75
Total Revenue	546	423	341	171	75
Operating Revenue	546	423	341	171	75
Total Cost of Revenue	0.00	0.00	0.00	0.00	0.00
Total Operating Expenses	519	455	576	244	118
Selling, General & Admin Expense	64	43	54	29	37
Marketing Expense	49	28	37	43	11
Other Operating Expenses / (Income)	406	357	348	172	69
Impairment Charge	0.00	27	137	0.00	-
Total Other Income / (Expense), net	-17	-14	21	-96	1.40
Interest Expense	24	29	30	7.25	-1.40
Other Income / (Expense), net	7.10	14	51	-89	-
Income Tax Expense	0.35	-1.08	-26	0.06	0.01
Preferred Stock Dividends Declared	0.00	-0.69	6.88	-43	17
Net Income / (Loss) Attributable to Noncontrolling Interest	0.00	0.00	0.00	13	8.41
Basic Earnings per Share	$0.84	($4.63)	($24.32)	($1.44)	($1.49)
Weighted Average Basic Shares Outstanding	10.91M	9.61M	8.06M	97.16M	45.18M
Diluted Earnings per Share	$0.76	($4.63)	($24.32)	($1.44)	($1.49)
Weighted Average Diluted Shares Outstanding	12.02M	9.61M	8.06M	97.16M	45.18M
Weighted Average Basic & Diluted Shares Outstanding	11.32M	10.52M	260.00M	97.16M	45.18M

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

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	1.73	-2.79	3.14	7.08	-4.20	-4.11	-25	-11	-137	-23
Consolidated Net Income / (Loss)	1.73	-2.79	3.14	7.08	-4.20	-4.11	-28	-9.22	-135	-21
Net Income / (Loss) Continuing Operations	1.73	-2.79	3.14	7.08	-4.20	-4.11	-28	-9.22	-135	-21
Total Pre-Tax Income	0.98	0.52	1.31	6.69	-5.39	-3.71	-28	-9.24	-132	-21
Total Operating Income	5.86	4.00	5.73	11	-1.25	1.10	-1.72	-3.48	-17	-24
Total Gross Profit	159	135	131	121	113	110	107	94	95	89
Total Revenue	159	135	131	121	113	110	107	94	95	89
Operating Revenue	159	135	131	121	113	110	107	94	95	89
Total Operating Expenses	153	131	125	110	141	109	108	97	249	113
Selling, General & Admin Expense	16	18	18	12	11	11	10	11	17	13
Marketing Expense	17	11	11	11	8.16	7.03	6.55	6.39	9.40	6.95
Other Operating Expenses / (Income)	120	103	97	87	95	91	92	80	85	93
Total Other Income / (Expense), net	-4.87	-3.49	-4.41	-4.38	-4.14	-4.81	0.46	-5.77	22	3.21
Interest Expense	4.21	6.50	6.71	6.82	6.73	7.09	7.33	7.51	8.16	7.88
Other Income / (Expense), net	-0.66	3.02	2.30	2.44	2.60	2.28	7.79	1.75	30	11
Income Tax Expense	-0.74	3.31	-1.82	-0.39	-1.19	0.40	-0.26	-0.02	2.71	0.05
Basic Earnings per Share	$0.16	($0.25)	$0.29	$0.67	($0.44)	($0.40)	($2.71)	($1.29)	($17.00)	($2.78)
Weighted Average Basic Shares Outstanding	10.91M	11.09M	10.86M	10.53M	9.61M	10.22M	9.23M	8.65M	8.06M	8.16M
Diluted Earnings per Share	$0.16	($0.25)	$0.26	$0.60	($0.44)	($0.40)	($2.71)	($1.29)	($17.00)	($2.78)
Weighted Average Diluted Shares Outstanding	12.02M	11.09M	12.09M	11.81M	9.61M	10.22M	9.23M	8.65M	8.06M	8.16M
Basic & Diluted Earnings per Share	$0.16	-	-	-	($0.44)	-	-	-	($17.00)	-
Weighted Average Basic & Diluted Shares Outstanding	11.32M	11.10M	-	10.79M	10.52M	10.28M	10.17M	8.80M	260.00M	253.55M

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	2024	2023	2022	2021	2020
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Net Change in Cash & Equivalents	56	-59	-93	237	-25
Net Cash From Operating Activities	201	116	3.36	-8.57	3.03
Net Cash From Continuing Operating Activities	201	116	3.36	-8.57	3.03
Net Income / (Loss) Continuing Operations	9.15	-45	-189	-169	-42
Consolidated Net Income / (Loss)	9.15	-45	-189	-169	-42
Depreciation Expense	26	25	22	2.39	1.11
Non-Cash Adjustments To Reconcile Net Income	139	140	205	149	41
Changes in Operating Assets and Liabilities, net	28	-2.92	-34	9.52	2.32
Net Cash From Investing Activities	-68	-128	-142	-144	-43
Net Cash From Continuing Investing Activities	-68	-128	-142	-132	-43
Purchase of Property, Plant & Equipment	-9.16	-6.01	-8.89	-0.48	-1.19
Acquisitions	0.00	-1.12	-19	-	0.00
Sale and/or Maturity of Investments	703	0.00	-	-	-
Other Investing Activities, net	-762	-120	-114	-132	-42
Net Cash From Financing Activities	-77	-48	46	378	15
Net Cash From Continuing Financing Activities	-77	-48	46	378	15
Repayment of Debt	-67	-25	-26	-11	-18
Repurchase of Preferred Equity	0.00	-3.01	0.00	-	12
Repurchase of Common Equity	-1.19	0.00	-	-	-
Payment of Dividends	0.00	0.00	0.00	-10	-3.80
Issuance of Debt	-6.16	-19	69	203	15
Issuance of Common Equity	0.00	0.00	0.00	0.25	0.13
Other Financing Activities, net	-2.30	-0.86	2.40	196	9.80
Cash Interest Paid	24	28	28	4.38	3.09

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	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	34	13	1.21	7.42	-6.54	-1.16	-8.58	-43	-36	-28
Net Cash From Operating Activities	59	60	48	34	42	36	35	2.68	13	-0.39
Net Cash From Continuing Operating Activities	59	60	48	34	42	36	35	2.68	13	-0.39
Net Income / (Loss) Continuing Operations	1.73	-2.79	3.14	7.08	-4.20	-4.11	-28	-9.22	-135	-21
Consolidated Net Income / (Loss)	1.73	-2.79	3.14	7.08	-4.20	-4.11	-28	-9.22	-135	-21
Depreciation Expense	6.60	6.51	6.33	6.21	6.42	6.11	6.11	6.18	6.09	6.16
Non-Cash Adjustments To Reconcile Net Income	42	36	36	25	36	33	53	18	139	18
Changes in Operating Assets and Liabilities, net	9.11	20	2.77	-4.66	3.89	1.03	4.43	-12	2.99	-3.99
Net Cash From Investing Activities	28	-23	-44	-30	-43	-28	-36	-21	-40	-28
Net Cash From Continuing Investing Activities	28	-23	-44	-30	-43	-28	-36	-21	-40	-28
Purchase of Property, Plant & Equipment	-1.37	-3.39	-2.24	-2.16	-1.81	-1.53	-1.64	-1.04	-2.43	-3.45
Other Investing Activities, net	-674	-19	-42	-28	-41	-26	-33	-20	-38	-25
Net Cash From Financing Activities	-53	-24	-2.67	3.66	-5.80	-9.26	-8.36	-25	-8.82	0.44
Net Cash From Continuing Financing Activities	-53	-24	-2.67	3.66	-5.80	-9.26	-8.36	-25	-8.82	0.44
Repayment of Debt	-47	-20	-4.00	4.00	-10	-9.98	-	-	-	-0.00
Repurchase of Common Equity	-0.22	-	-	-	-	-	-	-	-	-
Other Financing Activities, net	0.35	0.36	-2.67	-0.34	-0.80	0.72	-0.18	-0.60	1.18	0.44
Cash Interest Paid	4.47	6.31	6.40	6.45	6.33	6.74	7.04	7.47	7.74	7.52

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	2024	2023	2022	2021	2020
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Total Assets	519	515	596	492	124
Total Current Assets	257	265	261	333	79
Cash & Equivalents	140	92	116	202	19
Note & Lease Receivable	128	208	170	154	69
Accounts Receivable	-12	-35	-25	-22	-9.13
Plant, Property, & Equipment, net	1.66	1.86	2.98	1.80	0.50
Total Noncurrent Assets	260	248	332	157	44
Noncurrent Note & Lease Receivables	33	16	19	6.00	-
Goodwill	0.00	0.00	27	53	22
Intangible Assets	161	177	194	25	9.28
Other Noncurrent Operating Assets	57	54	55	28	13
Other Noncurrent Nonoperating Assets	10	2.28	38	44	-
Total Liabilities & Shareholders' Equity	519	515	596	492	124
Total Liabilities	228	258	324	270	92
Total Current Liabilities	69	52	58	37	26
Accounts Payable	69	52	58	37	21
Total Noncurrent Liabilities	159	206	266	233	66
Long-Term Debt	119	190	232	187	17
Other Noncurrent Operating Liabilities	40	16	34	46	49
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	291	257	99	222	-329
Total Preferred & Common Equity	291	257	99	222	-329
Total Common Equity	291	257	99	222	-329
Common Stock	995	970	767	701	0.00
Retained Earnings	-694	-703	-658	-470	-328
Treasury Stock	-11	-9.70	-9.70	-9.70	-1.00

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 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	531	546	538	512	518	557	759
Total Current Assets	297	295	276	252	253	245	279
Cash & Equivalents	112	98	93	94	97	97	126
Note & Lease Receivable	219	237	217	190	188	176	-
Accounts Receivable	-34	-41	-34	-32	-32	-27	153
Plant, Property, & Equipment, net	1.91	1.96	1.98	2.11	2.35	2.68	2.90
Total Noncurrent Assets	232	249	260	258	262	309	477
Noncurrent Note & Lease Receivables	24	23	18	19	21	23	-1.81
Goodwill	0.00	0.00	0.00	0.00	0.00	27	161
Intangible Assets	165	168	172	181	185	189	206
Other Noncurrent Operating Assets	38	52	61	51	50	56	112
Other Noncurrent Nonoperating Assets	4.42	4.75	8.73	6.75	5.44	14	-
Total Liabilities & Shareholders' Equity	531	546	538	512	518	557	759
Total Liabilities	248	267	267	256	264	288	357
Total Current Liabilities	54	49	50	46	43	50	54
Accounts Payable	54	49	50	46	43	50	54
Total Noncurrent Liabilities	195	218	217	211	221	238	303
Long-Term Debt	171	194	194	194	204	208	242
Other Noncurrent Operating Liabilities	24	24	23	16	17	30	61
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Redeemable Noncontrolling Interest	0.00	0.00	0.00	0.00	0.00	173	173
Total Equity & Noncontrolling Interests	282	278	270	256	254	95	229
Total Preferred & Common Equity	282	278	270	256	254	95	229
Total Common Equity	282	278	270	256	254	95	229
Common Stock	988	981	976	964	958	772	762
Retained Earnings	-695	-693	-696	-699	-694	-667	-523
Treasury Stock	-11	-9.70	-9.70	-9.70	-9.70	-9.70	-9.70

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

Metric	2024	2023	2022	2021	2020
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Growth Metrics	-	-	-	-	-
Revenue Growth	28.92%	24.27%	99.18%	127.91%	0.00%
EBITDA Growth	75.28%	228.04%	83.44%	-281.62%	0.00%
EBIT Growth	272.35%	118.83%	70.32%	-277.35%	0.00%
NOPAT Growth	785.74%	94.58%	-34.53%	-70.67%	0.00%
Net Income Growth	120.21%	76.07%	-11.55%	-307.54%	0.00%
EPS Growth	116.41%	80.96%	-11.55%	3.36%	0.00%
Operating Cash Flow Growth	72.78%	3,361.65%	139.22%	-382.99%	0.00%
Free Cash Flow Firm Growth	2,239.52%	97.84%	-43.81%	0.00%	0.00%
Invested Capital Growth	-26.51%	0.52%	116.40%	373.74%	0.00%
Revenue Q/Q Growth	9.12%	4.44%	13.07%	0.00%	0.00%
EBITDA Q/Q Growth	7.27%	-24.41%	64.33%	0.00%	0.00%
EBIT Q/Q Growth	12.86%	-55.45%	46.91%	0.00%	0.00%
NOPAT Q/Q Growth	27.46%	74.72%	14.56%	0.00%	0.00%
Net Income Q/Q Growth	183.60%	74.30%	-119.13%	0.00%	0.00%
EPS Q/Q Growth	162.07%	73.31%	-119.13%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	9.24%	33.16%	120.49%	-1,865.37%	0.00%
Free Cash Flow Firm Q/Q Growth	268.61%	-103.64%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	-23.18%	0.89%	-32.22%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBITDA Margin	10.88%	8.00%	-7.77%	-93.40%	-55.78%
Operating Margin	4.88%	-1.26%	-28.96%	-42.88%	-57.26%
EBIT Margin	6.18%	2.14%	-14.13%	-94.80%	-57.26%
Profit (Net Income) Margin	1.68%	-10.69%	-55.49%	-99.07%	-55.40%
Tax Burden Percent	96.27%	97.68%	88.06%	100.03%	100.01%
Interest Burden Percent	28.15%	-511.10%	445.98%	104.47%	96.75%
Effective Tax Rate	3.73%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	8.39%	-1.06%	-26.94%	-52.33%	-87.95%
ROIC Less NNEP Spread (ROIC-NNEP)	-43.72%	-48.89%	-1,312.41%	363.42%	-498.60%
Return on Net Nonoperating Assets (RNNOA)	-5.05%	-16.02%	-49.59%	-81.61%	-44.47%
Return on Equity (ROE)	3.34%	-17.09%	-76.54%	-133.93%	-132.42%
Cash Return on Invested Capital (CROIC)	38.96%	-1.58%	-100.52%	-182.61%	0.00%
Operating Return on Assets (OROA)	6.53%	1.63%	-8.85%	-52.73%	-34.76%
Return on Assets (ROA)	1.77%	-8.14%	-34.76%	-55.10%	-33.63%
Return on Common Equity (ROCE)	3.34%	-11.50%	-49.70%	56.59%	1,385.60%
Return on Equity Simple (ROE_SIMPLE)	3.14%	-17.59%	-190.67%	-76.45%	12.65%
Net Operating Profit after Tax (NOPAT)	26	-3.74	-69	-51	-30
NOPAT Margin	4.70%	-0.88%	-20.27%	-30.01%	-40.08%
Net Nonoperating Expense Percent (NNEP)	52.11%	47.82%	1,285.47%	-415.74%	410.65%
Return On Investment Capital (ROIC_SIMPLE)	6.27%	-0.84%	-	-	-
Cost of Revenue to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	11.71%	10.19%	15.90%	16.98%	49.20%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	95.12%	107.57%	169.09%	142.88%	157.26%
Earnings before Interest and Taxes (EBIT)	34	9.06	-48	-162	-43
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	59	34	-26	-160	-42
Valuation Ratios	-	-	-	-	-
Price to Book Value (P/BV)	3.28	2.51	1.59	4.11	0.00
Price to Tangible Book Value (P/TBV)	7.32	7.99	0.00	6.33	0.00
Price to Revenue (P/Rev)	1.75	1.52	0.46	5.33	6.59
Price to Earnings (P/E)	104.40	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.96%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	3.60	2.11	1.27	5.53	25.06
Enterprise Value to Revenue (EV/Rev)	1.71	1.75	1.31	5.24	11.42
Enterprise Value to EBITDA (EV/EBITDA)	15.71	21.90	0.00	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	27.66	81.89	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	36.38	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	4.64	6.38	132.86	0.00	283.09
Enterprise Value to Free Cash Flow (EV/FCFF)	7.84	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-
Debt to Equity	0.41	0.74	0.85	0.84	0.71
Long-Term Debt to Equity	0.41	0.74	0.85	0.84	0.55
Financial Leverage	0.12	0.33	0.04	-0.22	0.09
Leverage Ratio	1.89	2.10	2.20	2.43	3.94
Compound Leverage Factor	0.53	-10.73	9.82	2.54	3.81
Debt to Total Capital	28.95%	42.45%	46.00%	45.70%	41.42%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	9.33%
Long-Term Debt to Total Capital	28.95%	42.45%	46.00%	45.70%	32.09%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	34.34%	0.00%	671.54%
Common Equity to Total Capital	71.05%	57.55%	19.66%	54.30%	-612.97%
Debt to EBITDA	2.00	5.60	-8.77	-1.17	-0.53
Net Debt to EBITDA	-0.36	2.88	-4.39	0.10	-0.07
Long-Term Debt to EBITDA	2.00	5.60	-8.77	-1.17	-0.41
Debt to NOPAT	4.62	-50.72	-3.36	-3.63	-0.74
Net Debt to NOPAT	-0.84	-26.07	-1.68	0.30	-0.09
Long-Term Debt to NOPAT	4.62	-50.72	-3.36	-3.63	-0.57
Altman Z-Score	2.35	0.96	-0.54	0.67	-0.52
Noncontrolling Interest Sharing Ratio	0.00%	32.71%	35.06%	142.26%	1,146.39%
Liquidity Ratios	-	-	-	-	-
Current Ratio	3.71	5.06	4.49	9.04	3.05
Quick Ratio	3.71	5.06	4.49	9.04	3.05
Cash Flow Metrics	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	119	-5.57	-258	-179	0.00
Operating Cash Flow to CapEx	2,193.81%	1,936.52%	37.81%	-1,788.94%	255.53%
Free Cash Flow to Firm to Interest Expense	4.91	-0.19	-8.65	-24.71	0.00
Operating Cash Flow to Interest Expense	8.29	4.06	0.11	-1.18	0.00
Operating Cash Flow Less CapEx to Interest Expense	7.91	3.85	-0.19	-1.25	0.00
Efficiency Ratios	-	-	-	-	-
Asset Turnover	1.06	0.76	0.63	0.56	0.61
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	310.00	174.97	142.66	148.57	149.53
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	259	352	351	162	34
Invested Capital Turnover	1.79	1.20	1.33	1.74	2.19
Increase / (Decrease) in Invested Capital	-93	1.83	189	128	0.00
Enterprise Value (EV)	933	742	447	896	857
Market Capitalization	955	645	157	911	494
Book Value per Share	$26.21	$25.02	$0.39	$0.98	($7.51)
Tangible Book Value per Share	$11.75	$7.85	($0.48)	$0.64	($8.22)
Total Capital	409	447	504	408	54
Total Debt	119	190	232	187	22
Total Long-Term Debt	119	190	232	187	17
Net Debt	-21	98	116	-15	2.80
Capital Expenditures (CapEx)	9.16	6.01	8.89	0.48	1.19
Debt-free, Cash-free Net Working Capital (DFCFNWC)	47	120	87	95	39
Debt-free Net Working Capital (DFNWC)	187	213	203	296	58
Net Working Capital (NWC)	187	213	203	296	53
Net Nonoperating Expense (NNE)	17	42	120	118	12
Net Nonoperating Obligations (NNO)	-32	95	78	-60	2.80
Total Depreciation and Amortization (D&A)	26	25	22	2.39	1.11
Debt-free, Cash-free Net Working Capital to Revenue	8.70%	28.44%	25.53%	55.27%	51.55%
Debt-free Net Working Capital to Revenue	34.34%	50.22%	59.54%	173.21%	77.41%
Net Working Capital to Revenue	34.34%	50.22%	59.54%	173.21%	70.75%
Earnings Adjustments	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.84	($4.63)	($24.30)	($41.70)	$0.00
Adjusted Weighted Average Basic Shares Outstanding	10.91M	9.61M	8.06M	7.69M	0.00
Adjusted Diluted Earnings per Share	$0.76	($4.63)	($24.30)	($41.70)	$0.00
Adjusted Weighted Average Diluted Shares Outstanding	12.02M	9.61M	8.06M	7.69M	0.00
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	($41.70)	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.32M	10.52M	8.67M	3.24M	0.00
Normalized Net Operating Profit after Tax (NOPAT)	26	15	27	-51	-30
Normalized NOPAT Margin	4.70%	3.53%	7.82%	-30.01%	-40.08%
Pre Tax Income Margin	1.74%	-10.94%	-63.01%	-99.04%	-55.39%
Debt Service Ratios	-	-	-	-	-
EBIT to Interest Expense	1.39	0.32	-1.62	-22.37	0.00
NOPAT to Interest Expense	1.06	-0.13	-2.32	-7.08	0.00
EBIT Less CapEx to Interest Expense	1.01	0.11	-1.91	-22.43	0.00
NOPAT Less CapEx to Interest Expense	0.68	-0.34	-2.62	-7.15	0.00
Payout Ratios	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	-6.04%	-9.13%
Augmented Payout Ratio	13.05%	0.00%	0.00%	-6.04%	-9.13%

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

Metric	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	40.39%	22.86%	22.81%	29.18%	18.98%	24.24%	21.98%	34.36%	70.92%	100.71%
EBITDA Growth	51.79%	42.66%	17.89%	342.64%	-58.48%	236.91%	228.76%	115.47%	164.52%	69.26%
EBIT Growth	285.10%	107.84%	32.33%	880.52%	-89.32%	125.82%	139.22%	94.63%	142.24%	43.16%
NOPAT Growth	1,274.12%	-2,904.95%	1,236.45%	581.12%	92.67%	104.55%	93.61%	88.62%	49.66%	4.63%
Net Income Growth	141.14%	32.07%	111.32%	176.76%	96.89%	80.44%	-20.20%	7.63%	-319.01%	14.72%
EPS Growth	136.36%	37.50%	109.59%	146.51%	97.41%	85.61%	15.31%	7.63%	-319.01%	14.72%
Operating Cash Flow Growth	40.28%	67.28%	35.16%	1,155.19%	218.56%	9,445.08%	4,216.76%	130.98%	303.73%	94.20%
Free Cash Flow Firm Growth	3,940.60%	-105.59%	-100.37%	-74.64%	98.65%	139.21%	165.85%	142.35%	0.00%	-299.92%
Invested Capital Growth	-26.51%	-3.49%	4.00%	-1.04%	0.52%	-32.47%	-29.06%	-14.79%	116.40%	397.91%
Revenue Q/Q Growth	17.07%	3.53%	8.13%	7.12%	2.45%	3.49%	13.74%	-1.34%	6.98%	1.61%
EBITDA Q/Q Growth	-12.81%	-5.77%	-27.17%	153.67%	-18.05%	-22.13%	173.44%	-76.20%	370.22%	26.77%
EBIT Q/Q Growth	-26.01%	-12.53%	-40.55%	900.96%	-60.07%	-44.31%	450.64%	-113.70%	196.52%	15.40%
NOPAT Q/Q Growth	147.52%	-257.99%	16.88%	1,437.90%	-213.53%	164.01%	50.52%	79.61%	29.48%	10.16%
Net Income Q/Q Growth	161.82%	-189.00%	-55.66%	268.65%	-2.07%	85.17%	-200.78%	93.17%	-542.37%	8.88%
EPS Q/Q Growth	164.00%	-196.15%	-56.67%	236.36%	-10.00%	85.24%	-110.08%	93.17%	-542.37%	8.88%
Operating Cash Flow Q/Q Growth	-1.83%	26.24%	42.09%	-20.35%	17.07%	2.00%	1,219.51%	-79.78%	3,534.46%	55.06%
Free Cash Flow Firm Q/Q Growth	1,199.84%	-1,649.42%	-103.48%	674.11%	-101.60%	16.84%	136.18%	130.49%	53.40%	-96.25%
Invested Capital Q/Q Growth	-23.18%	-8.81%	1.96%	2.88%	0.89%	-1.73%	-2.97%	4.50%	-32.22%	3.23%
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	7.44%	9.99%	10.97%	16.29%	6.88%	8.60%	11.43%	4.76%	19.72%	-7.81%
Operating Margin	3.69%	2.96%	4.38%	9.14%	-1.11%	1.00%	-1.61%	-3.71%	-17.95%	-27.24%
EBIT Margin	3.28%	5.18%	6.13%	11.16%	1.19%	3.06%	5.69%	-1.85%	13.30%	-14.74%
Profit (Net Income) Margin	1.09%	-2.06%	2.40%	5.85%	-3.71%	-3.73%	-26.02%	-9.84%	-142.20%	-23.68%
Tax Burden Percent	175.41%	-540.04%	238.92%	105.82%	77.90%	110.78%	99.06%	99.74%	102.05%	100.25%
Interest Burden Percent	18.94%	7.36%	16.36%	49.51%	-399.18%	-109.83%	-461.34%	534.16%	-1,047.53%	160.23%
Effective Tax Rate	-75.41%	640.04%	-138.92%	-5.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	11.57%	-23.26%	13.70%	11.96%	-0.93%	0.65%	-1.01%	-2.38%	-16.70%	-18.50%
ROIC Less NNEP Spread (ROIC-NNEP)	-15.41%	2.16%	2.78%	7.08%	-4.76%	-4.02%	-29.06%	-17.53%	-1,335.19%	-12.50%
Return on Net Nonoperating Assets (RNNOA)	-1.78%	0.59%	1.01%	2.49%	-1.56%	-1.28%	-8.23%	-2.22%	-50.45%	2.26%
Return on Equity (ROE)	9.78%	-22.66%	14.71%	14.46%	-2.49%	-0.62%	-9.24%	-4.60%	-67.16%	-16.24%
Cash Return on Invested Capital (CROIC)	38.96%	9.41%	-0.71%	2.81%	-1.58%	35.34%	26.41%	3.38%	-100.52%	0.00%
Operating Return on Assets (OROA)	3.46%	4.97%	5.48%	9.19%	0.91%	1.95%	3.36%	-0.99%	8.33%	-7.24%
Return on Assets (ROA)	1.15%	-1.98%	2.14%	4.81%	-2.83%	-2.38%	-15.35%	-5.25%	-89.08%	-11.63%
Return on Common Equity (ROCE)	9.78%	-22.66%	14.71%	9.81%	-1.68%	-0.46%	-6.56%	-2.21%	-43.61%	-9.88%
Return on Equity Simple (ROE_SIMPLE)	0.00%	1.14%	0.68%	-10.71%	0.00%	-68.78%	-76.07%	-197.20%	0.00%	-37.69%
Net Operating Profit after Tax (NOPAT)	10	-22	14	12	-0.88	0.77	-1.20	-2.43	-12	-17
NOPAT Margin	6.48%	-15.96%	10.46%	9.67%	-0.77%	0.70%	-1.13%	-2.60%	-12.57%	-19.07%
Net Nonoperating Expense Percent (NNEP)	26.98%	-25.42%	10.92%	4.88%	3.83%	4.68%	28.05%	15.15%	1,318.49%	-5.99%
Return On Investment Capital (ROIC_SIMPLE)	2.51%	-	-	-	-0.20%	-	-	-	-	-
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	10.05%	13.39%	13.39%	10.21%	9.86%	9.85%	9.51%	11.78%	18.39%	14.51%
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	96.31%	97.05%	95.62%	90.86%	124.76%	99.00%	101.61%	103.71%	262.00%	127.24%
Earnings before Interest and Taxes (EBIT)	5.20	7.02	8.03	14	1.35	3.38	6.07	-1.73	13	-13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	12	14	14	20	7.77	9.48	12	4.45	19	-6.93
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.28	1.59	2.85	2.77	2.51	0.86	0.42	1.55	1.59	0.95
Price to Tangible Book Value (P/TBV)	7.32	3.83	7.20	7.65	7.99	2.93	1.54	0.00	0.00	0.00
Price to Revenue (P/Rev)	1.75	0.90	1.67	1.66	1.52	0.54	0.28	0.40	0.46	0.72
Price to Earnings (P/E)	104.40	138.99	416.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.96%	0.72%	0.24%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	3.60	1.50	2.41	2.35	2.11	0.92	0.60	1.18	1.27	0.98
Enterprise Value to Revenue (EV/Rev)	1.71	1.01	1.87	1.89	1.75	0.79	0.55	1.19	1.31	1.68
Enterprise Value to EBITDA (EV/EBITDA)	15.71	9.16	17.33	17.32	21.90	7.14	7.49	63.75	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	27.66	16.97	33.87	35.03	81.89	15.74	54.88	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	36.38	25.21	76.35	132.24	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	4.64	2.76	5.57	5.78	6.38	3.66	4.18	29.44	132.86	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	7.84	15.70	0.00	83.14	0.00	2.09	1.88	32.14	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.41	0.61	0.70	0.72	0.74	0.76	0.80	0.78	0.85	0.60
Long-Term Debt to Equity	0.41	0.61	0.70	0.72	0.74	0.76	0.80	0.78	0.85	0.60
Financial Leverage	0.12	0.28	0.36	0.35	0.33	0.32	0.28	0.13	0.04	-0.18
Leverage Ratio	1.89	1.94	2.00	2.03	2.10	1.93	1.95	1.93	2.20	1.62
Compound Leverage Factor	0.36	0.14	0.33	1.01	-8.38	-2.12	-8.99	10.32	-23.07	2.59
Debt to Total Capital	28.95%	37.72%	41.11%	41.78%	42.45%	43.17%	44.58%	43.67%	46.00%	37.54%
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	28.95%	37.72%	41.11%	41.78%	42.45%	43.17%	44.58%	43.67%	46.00%	37.54%
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	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	36.32%	34.34%	26.90%
Common Equity to Total Capital	71.05%	62.28%	58.89%	58.22%	57.55%	56.83%	55.42%	20.01%	19.66%	35.56%
Debt to EBITDA	2.00	3.09	3.79	3.95	5.60	4.34	7.18	30.71	-8.77	-3.26
Net Debt to EBITDA	-0.36	1.07	1.87	2.05	2.88	2.23	3.78	16.45	-4.39	-1.55
Long-Term Debt to EBITDA	2.00	3.09	3.79	3.95	5.60	4.34	7.18	30.71	-8.77	-3.26
Debt to NOPAT	4.62	8.50	16.69	30.16	-50.72	-13.14	-6.28	-4.16	-3.36	-2.99
Net Debt to NOPAT	-0.84	2.94	8.25	15.68	-26.07	-6.77	-3.30	-2.23	-1.68	-1.43
Long-Term Debt to NOPAT	4.62	8.50	16.69	30.16	-50.72	-13.14	-6.28	-4.16	-3.36	-2.99
Altman Z-Score	2.16	0.79	1.46	1.30	0.92	-0.10	-0.37	-0.30	-0.20	0.10
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	32.14%	32.71%	26.31%	29.01%	52.06%	35.06%	39.14%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	3.71	5.55	6.03	5.51	5.06	5.54	5.92	4.88	4.49	5.16
Quick Ratio	3.71	5.55	6.03	5.51	5.06	5.54	5.92	4.88	4.49	5.16
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	104	-9.43	-0.54	16	-2.70	169	144	61	-201	-430
Operating Cash Flow to CapEx	4,311.50%	1,781.05%	2,130.04%	1,559.53%	2,338.37%	2,362.28%	2,158.91%	258.44%	546.46%	-11.18%
Free Cash Flow to Firm to Interest Expense	24.63	-1.45	-0.08	2.27	-0.40	23.81	19.70	8.14	-24.57	-54.61
Operating Cash Flow to Interest Expense	14.07	9.28	7.12	4.93	6.27	5.09	4.82	0.36	1.62	-0.05
Operating Cash Flow Less CapEx to Interest Expense	13.74	8.76	6.78	4.62	6.00	4.87	4.60	0.22	1.33	-0.49
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	1.06	0.96	0.89	0.82	0.76	0.64	0.59	0.53	0.63	0.49
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	310.00	249.08	220.50	193.59	174.97	161.94	174.78	151.27	142.66	172.99
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	259	337	370	363	352	349	356	366	351	517
Invested Capital Turnover	1.79	1.46	1.31	1.24	1.20	0.94	0.90	0.92	1.33	0.97
Increase / (Decrease) in Invested Capital	-93	-12	14	-3.80	1.83	-168	-146	-64	189	413
Enterprise Value (EV)	933	507	889	851	742	320	213	433	447	505
Market Capitalization	955	448	793	750	645	220	106	148	157	217
Book Value per Share	$26.21	$25.47	$25.81	$25.71	$25.02	$25.18	$28.83	$0.37	$0.39	$0.94
Tangible Book Value per Share	$11.75	$10.56	$10.21	$9.33	$7.85	$7.38	$7.78	($0.46)	($0.48)	($0.57)
Total Capital	409	454	473	465	447	450	458	477	504	644
Total Debt	119	171	194	194	190	194	204	208	232	242
Total Long-Term Debt	119	171	194	194	190	194	204	208	232	242
Net Debt	-21	59	96	101	98	100	107	112	116	115
Capital Expenditures (CapEx)	1.37	3.39	2.24	2.16	1.81	1.53	1.64	1.04	2.43	3.45
Debt-free, Cash-free Net Working Capital (DFCFNWC)	47	132	148	133	120	112	114	98	87	99
Debt-free Net Working Capital (DFNWC)	187	244	246	226	213	207	211	195	203	225
Net Working Capital (NWC)	187	244	246	226	213	207	211	195	203	225
Net Nonoperating Expense (NNE)	8.55	-19	11	4.63	3.32	4.88	27	6.78	123	4.10
Net Nonoperating Obligations (NNO)	-32	55	91	92	95	93	102	98	78	115
Total Depreciation and Amortization (D&A)	6.60	6.51	6.33	6.21	6.42	6.11	6.11	6.18	6.09	6.16
Debt-free, Cash-free Net Working Capital to Revenue	8.70%	26.31%	31.12%	29.44%	28.44%	27.75%	29.64%	26.99%	25.53%	32.74%
Debt-free Net Working Capital to Revenue	34.34%	48.68%	51.83%	50.11%	50.22%	51.00%	54.84%	53.52%	59.54%	74.68%
Net Working Capital to Revenue	34.34%	48.68%	51.83%	50.11%	50.22%	51.00%	54.84%	53.52%	59.54%	74.68%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.16	($0.25)	$0.29	$0.67	($0.44)	($0.40)	($2.71)	($1.29)	($510.00)	($2.70)
Adjusted Weighted Average Basic Shares Outstanding	10.91M	11.09M	10.86M	10.53M	9.61M	10.22M	9.23M	8.65M	268.55K	8.16M
Adjusted Diluted Earnings per Share	$0.16	($0.25)	$0.26	$0.60	($0.44)	($0.40)	($2.71)	($1.29)	($510.00)	($2.70)
Adjusted Weighted Average Diluted Shares Outstanding	12.02M	11.09M	12.09M	11.81M	9.61M	10.22M	9.23M	8.65M	268.55K	8.16M
Adjusted Basic & Diluted Earnings per Share	$0.16	$0.00	$0.00	$0.00	($0.44)	$0.00	$0.00	$0.00	($510.00)	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.32M	11.10M	0.00	10.79M	10.52M	10.28M	10.17M	8.80M	8.67M	8.45M
Normalized Net Operating Profit after Tax (NOPAT)	4.10	2.80	4.01	7.74	-0.88	0.77	18	-2.43	-12	-17
Normalized NOPAT Margin	2.59%	2.07%	3.06%	6.40%	-0.77%	0.70%	16.43%	-2.60%	-12.57%	-19.07%
Pre Tax Income Margin	0.62%	0.38%	1.00%	5.53%	-4.77%	-3.36%	-26.27%	-9.87%	-139.34%	-23.62%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.23	1.08	1.20	1.98	0.20	0.48	0.83	-0.23	1.55	-1.66
NOPAT to Interest Expense	2.44	-3.32	2.04	1.72	-0.13	0.11	-0.16	-0.32	-1.46	-2.15
EBIT Less CapEx to Interest Expense	0.91	0.56	0.86	1.66	-0.07	0.26	0.60	-0.37	1.25	-2.10
NOPAT Less CapEx to Interest Expense	2.11	-3.84	1.70	1.40	-0.40	-0.11	-0.39	-0.46	-1.76	-2.59
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	13.05%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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. See MoneyLion's forecast for analyst expectations on what’s next for the company.

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 5/27/2025 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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