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MoneyLion (ML) Financials

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$85.90 0.00 (0.00%)
As of 04/17/2025
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Annual Income Statements for MoneyLion

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
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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

Quarterly Income Statements for MoneyLion

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

Metric Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 -25 -23 -137 -11 -25 -4.11 -4.20 7.08 3.14 -2.79 1.73
Consolidated Net Income / (Loss)		 -23 -21 -135 -9.22 -28 -4.11 -4.20 7.08 3.14 -2.79 1.73
Net Income / (Loss) Continuing Operations		 -23 -21 -135 -9.22 -28 -4.11 -4.20 7.08 3.14 -2.79 1.73
Total Pre-Tax Income 		-23 -21 -132 -9.24 -28 -3.71 -5.39 6.69 1.31 0.52 0.98
Total Operating Income		 -27 -24 -17 -3.48 -1.72 1.10 -1.25 11 5.73 4.00 5.86
Total Gross Profit		 87 89 95 94 107 110 113 121 131 135 159
Total Revenue		 87 89 95 94 107 110 113 121 131 135 159
Operating Revenue		 87 89 95 94 107 110 113 121 131 135 159
Total Operating Expenses		 114 113 249 97 108 109 141 110 125 131 153
Selling, General & Admin Expense		 12 13 17 11 10 11 11 12 18 18 16
Marketing Expense		 9.48 6.95 9.40 6.39 6.55 7.03 8.16 11 11 11 17
Other Operating Expenses / (Income)		 93 93 85 80 92 91 95 87 97 103 120
Total Other Income / (Expense), net		 3.86 3.21 22 -5.77 0.46 -4.81 -4.14 -4.38 -4.41 -3.49 -4.87
Interest Expense		 7.58 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 11 30 1.75 7.79 2.28 2.60 2.44 2.30 3.02 -0.66
Income Tax Expense		 0.02 0.05 2.71 -0.02 -0.26 0.40 -1.19 -0.39 -1.82 3.31 -0.74
Basic Earnings per Share		 ($3.20) ($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		 7.88M 8.16M 8.06M 8.65M 9.23M 10.22M 9.61M 10.53M 10.86M 11.09M 10.91M
Diluted Earnings per Share		 ($3.20) ($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		 7.88M 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		 242.76M 253.55M 260.00M 8.80M 10.17M 10.28M 10.52M 10.79M - 11.10M 11.32M

Annual Cash Flow Statements for MoneyLion

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
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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

Quarterly Cash Flow Statements for MoneyLion

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 Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -32 -28 -36 -43 -8.58 -1.16 -6.54 7.42 1.21 13 34
Net Cash From Operating Activities		 -0.86 -0.39 13 2.68 35 36 42 34 48 60 59
Net Cash From Continuing Operating Activities		 8.52 -0.39 13 2.68 35 36 42 34 48 60 59
Net Income / (Loss) Continuing Operations		 -23 -21 -135 -9.22 -28 -4.11 -4.20 7.08 3.14 -2.79 1.73
Consolidated Net Income / (Loss)		 -23 -21 -135 -9.22 -28 -4.11 -4.20 7.08 3.14 -2.79 1.73
Depreciation Expense		 6.01 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		 27 18 139 18 53 33 36 25 36 36 42
Changes in Operating Assets and Liabilities, net		 -1.20 -3.99 2.99 -12 4.43 1.03 3.89 -4.66 2.77 20 9.11
Net Cash From Investing Activities		 -31 -28 -40 -21 -36 -28 -43 -30 -44 -23 28
Net Cash From Continuing Investing Activities		 -31 -28 -40 -21 -36 -28 -43 -30 -44 -23 28
Purchase of Property, Plant & Equipment		 -2.19 -3.45 -2.43 -1.04 -1.64 -1.53 -1.81 -2.16 -2.24 -3.39 -1.37
Other Investing Activities, net		 -29 -25 -38 -20 -33 -26 -41 -28 -42 -19 -674
Net Cash From Financing Activities		 0.36 0.44 -8.82 -25 -8.36 -9.26 -5.80 3.66 -2.67 -24 -53
Net Cash From Continuing Financing Activities		 0.36 0.44 -8.82 -25 -8.36 -9.26 -5.80 3.66 -2.67 -24 -53
Repayment of Debt		 -10 -0.00 - - - -9.98 -10 4.00 -4.00 -20 -47
Repurchase of Common Equity		 - - - - - - - - - - -0.22
Other Financing Activities, net		 0.36 0.44 1.18 -0.60 -0.18 0.72 -0.80 -0.34 -2.67 0.36 0.35
Cash Interest Paid		 7.27 7.52 7.74 7.47 7.04 6.74 6.33 6.45 6.40 6.31 4.47

Annual Balance Sheets for MoneyLion

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
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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

Quarterly Balance Sheets for MoneyLion

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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 784 759 557 518 512 538 546 531
Total Current Assets		 311 279 245 253 252 276 295 297
Cash & Equivalents		 154 126 97 97 94 93 98 112
Note & Lease Receivable		 - - 176 188 190 217 237 219
Accounts Receivable		 156 153 -27 -32 -32 -34 -41 -34
Plant, Property, & Equipment, net		 2.05 2.90 2.68 2.35 2.11 1.98 1.96 1.91
Total Noncurrent Assets		 471 477 309 262 258 260 249 232
Noncurrent Note & Lease Receivables		 -5.61 -1.81 23 21 19 18 23 24
Goodwill		 162 161 27 0.00 0.00 0.00 0.00 0.00
Intangible Assets		 209 206 189 185 181 172 168 165
Other Noncurrent Operating Assets		 106 112 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		 784 759 557 518 512 538 546 531
Total Liabilities		 370 357 288 264 256 267 267 248
Total Current Liabilities		 50 54 50 43 46 50 49 54
Accounts Payable		 50 54 50 43 46 50 49 54
Total Noncurrent Liabilities		 319 303 238 221 211 217 218 195
Long-Term Debt		 241 242 208 204 194 194 194 171
Other Noncurrent Operating Liabilities		 78 61 30 17 16 23 24 24
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Redeemable Noncontrolling Interest		 194 173 173 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 220 229 95 254 256 270 278 282
Total Preferred & Common Equity		 220 229 95 254 256 270 278 282
Total Common Equity		 220 229 95 254 256 270 278 282
Common Stock		 732 762 772 958 964 976 981 988
Retained Earnings		 -502 -523 -667 -694 -699 -696 -693 -695
Treasury Stock		 -9.70 -9.70 -9.70 -9.70 -9.70 -9.70 -9.70 -11

Annual Metrics And Ratios for MoneyLion

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

Metric 2020 2021 2022 2023 2024
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
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%

Quarterly Metrics And Ratios for MoneyLion

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

Metric Q2 2022 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 128.76% 100.71% 70.92% 34.36% 21.98% 24.24% 18.98% 29.18% 22.81% 22.86% 40.39%
EBITDA Growth		 74.33% 69.26% 164.52% 115.47% 228.76% 236.91% -58.48% 342.64% 17.89% 42.66% 51.79%
EBIT Growth		 58.59% 43.16% 142.24% 94.63% 139.22% 125.82% -89.32% 880.52% 32.33% 107.84% 285.10%
NOPAT Growth		 -101.05% 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		 41.18% 14.72% -319.01% 7.63% -20.20% 80.44% 96.89% 176.76% 111.32% 32.07% 141.14%
EPS Growth		 0.00% 14.72% -319.01% 7.63% 15.31% 85.61% 97.41% 146.51% 109.59% 37.50% 136.36%
Operating Cash Flow Growth		 -166.08% 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		 -917.65% -299.92% 0.00% 142.35% 165.85% 139.21% 98.65% -74.64% -100.37% -105.59% 3,940.60%
Invested Capital Growth		 66.67% 397.91% 116.40% -14.79% -29.06% -32.47% 0.52% -1.04% 4.00% -3.49% -26.51%
Revenue Q/Q Growth		 25.28% 1.61% 6.98% -1.34% 13.74% 3.49% 2.45% 7.12% 8.13% 3.53% 17.07%
EBITDA Q/Q Growth		 67.16% 26.77% 370.22% -76.20% 173.44% -22.13% -18.05% 153.67% -27.17% -5.77% -12.81%
EBIT Q/Q Growth		 52.00% 15.40% 196.52% -113.70% 450.64% -44.31% -60.07% 900.96% -40.55% -12.53% -26.01%
NOPAT Q/Q Growth		 11.95% 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		 -131.16% 8.88% -542.37% 93.17% -200.78% 85.17% -2.07% 268.65% -55.66% -189.00% 161.82%
EPS Q/Q Growth		 -131.16% 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		 90.07% 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		 -51.87% -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		 16.54% 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% 100.00%
EBITDA Margin		 -10.83% -7.81% 19.72% 4.76% 11.43% 8.60% 6.88% 16.29% 10.97% 9.99% 7.44%
Operating Margin		 -30.80% -27.24% -17.95% -3.71% -1.61% 1.00% -1.11% 9.14% 4.38% 2.96% 3.69%
EBIT Margin		 -17.71% -14.74% 13.30% -1.85% 5.69% 3.06% 1.19% 11.16% 6.13% 5.18% 3.28%
Profit (Net Income) Margin		 -26.41% -23.68% -142.20% -9.84% -26.02% -3.73% -3.71% 5.85% 2.40% -2.06% 1.09%
Tax Burden Percent		 100.07% 100.25% 102.05% 99.74% 99.06% 110.78% 77.90% 105.82% 238.92% -540.04% 175.41%
Interest Burden Percent		 149.04% 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% 0.00% -5.82% -138.92% 640.04% -75.41%
Return on Invested Capital (ROIC)		 -13.81% -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)		 -23.52% -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)		 -2.87% 2.26% -50.45% -2.22% -8.23% -1.28% -1.56% 2.49% 1.01% 0.59% -1.78%
Return on Equity (ROE)		 -16.68% -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% 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)		 -8.02% -7.24% 8.33% -0.99% 3.36% 1.95% 0.91% 9.19% 5.48% 4.97% 3.46%
Return on Assets (ROA)		 -11.96% -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)		 -5.26% -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)		 -40.81% -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)		 -19 -17 -12 -2.43 -1.20 0.77 -0.88 12 14 -22 10
NOPAT Margin		 -21.56% -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)		 9.70% -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% 0.00%
SG&A Expenses to Revenue		 13.81% 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% 0.00%
Operating Expenses to Revenue		 130.80% 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)		 -15 -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)		 -9.46 -6.93 19 4.45 12 9.48 7.77 20 14 14 12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.41 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 0.00 1.54 2.93 7.99 7.65 7.20 3.83 7.32
Price to Revenue (P/Rev)		 1.21 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 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% 0.00%
Earnings Yield		 0.00% 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)		 1.18 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)		 2.30 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 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 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 0.00 132.24 76.35 25.21 36.38
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 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 0.00 32.14 1.88 2.09 0.00 83.14 0.00 15.70 7.84
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.58 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		 0.58 0.60 0.85 0.78 0.80 0.76 0.74 0.72 0.70 0.61 0.41
Financial Leverage		 0.12 -0.18 0.04 0.13 0.28 0.32 0.33 0.35 0.36 0.28 0.12
Leverage Ratio		 1.59 1.62 2.20 1.93 1.95 1.93 2.10 2.03 2.00 1.94 1.89
Compound Leverage Factor		 2.36 2.59 -23.07 10.32 -8.99 -2.12 -8.38 1.01 0.33 0.14 0.36
Debt to Total Capital		 36.82% 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% 0.00%
Long-Term Debt to Total Capital		 36.82% 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% 0.00%
Noncontrolling Interests to Total Capital		 29.55% 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		 33.62% 35.56% 19.66% 20.01% 55.42% 56.83% 57.55% 58.22% 58.89% 62.28% 71.05%
Debt to EBITDA		 -2.69 -3.26 -8.77 30.71 7.18 4.34 5.60 3.95 3.79 3.09 2.00
Net Debt to EBITDA		 -0.97 -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		 -2.69 -3.26 -8.77 30.71 7.18 4.34 5.60 3.95 3.79 3.09 2.00
Debt to NOPAT		 -2.95 -2.99 -3.36 -4.16 -6.28 -13.14 -50.72 30.16 16.69 8.50 4.62
Net Debt to NOPAT		 -1.07 -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		 -2.95 -2.99 -3.36 -4.16 -6.28 -13.14 -50.72 30.16 16.69 8.50 4.62
Altman Z-Score		 0.27 0.10 -0.20 -0.30 -0.37 -0.10 0.92 1.30 1.46 0.79 2.16
Noncontrolling Interest Sharing Ratio		 68.48% 39.14% 35.06% 52.06% 29.01% 26.31% 32.71% 32.14% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 6.18 5.16 4.49 4.88 5.92 5.54 5.06 5.51 6.03 5.55 3.71
Quick Ratio		 6.18 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)		 -219 -430 -201 61 144 169 -2.70 16 -0.54 -9.43 104
Operating Cash Flow to CapEx		 -39.24% -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		 -28.92 -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		 -0.11 -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		 -0.40 -0.49 1.33 0.22 4.60 4.87 6.00 4.62 6.78 8.76 13.74
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.45 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 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 172.99 142.66 151.27 174.78 161.94 174.97 193.59 220.50 249.08 310.00
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 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 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 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 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 501 517 351 366 356 349 352 363 370 337 259
Invested Capital Turnover		 0.64 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		 200 413 189 -64 -146 -168 1.83 -3.80 14 -12 -93
Enterprise Value (EV)		 592 505 447 433 213 320 742 851 889 507 933
Market Capitalization		 311 217 157 148 106 220 645 750 793 448 955
Book Value per Share		 $0.93 $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		 ($0.64) ($0.57) ($0.48) ($0.46) $7.78 $7.38 $7.85 $9.33 $10.21 $10.56 $11.75
Total Capital		 655 644 504 477 458 450 447 465 473 454 409
Total Debt		 241 242 232 208 204 194 190 194 194 171 119
Total Long-Term Debt		 241 242 232 208 204 194 190 194 194 171 119
Net Debt		 87 115 116 112 107 100 98 101 96 59 -21
Capital Expenditures (CapEx)		 2.19 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)		 106 99 87 98 114 112 120 133 148 132 47
Debt-free Net Working Capital (DFNWC)		 260 225 203 195 211 207 213 226 246 244 187
Net Working Capital (NWC)		 260 225 203 195 211 207 213 226 246 244 187
Net Nonoperating Expense (NNE)		 4.23 4.10 123 6.78 27 4.88 3.32 4.63 11 -19 8.55
Net Nonoperating Obligations (NNO)		 87 115 78 98 102 93 95 92 91 55 -32
Total Depreciation and Amortization (D&A)		 6.01 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		 41.37% 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		 101.35% 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		 101.35% 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		 ($3.30) ($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		 7.88M 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		 $0.00 ($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		 8.09M 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 $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		 8.09M 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)		 -19 -17 -12 -2.43 18 0.77 -0.88 7.74 4.01 2.80 4.10
Normalized NOPAT Margin		 -21.56% -19.07% -12.57% -2.60% 16.43% 0.70% -0.77% 6.40% 3.06% 2.07% 2.59%
Pre Tax Income Margin		 -26.39% -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		 -2.04 -1.66 1.55 -0.23 0.83 0.48 0.20 1.98 1.20 1.08 1.23
NOPAT to Interest Expense		 -2.48 -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		 -2.33 -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		 -2.77 -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% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 13.05%

Key Financial Trends

MoneyLion delivered strong Q4 2024 results, with accelerating revenue growth, a return to profitability, and significant cash flow gains. Below are the key trends and metrics:

  • Revenue grew 40.4% year-over-year in Q4 2024 to $158.6 M from $113.0 M in Q4 2023
  • Operating income turned positive at $5.9 M in Q4 2024 versus a $1.3 M loss in Q4 2023
  • Net income improved to a $1.7 M profit (EPS $0.16) in Q4 2024 from a $4.2 M loss (EPS –$0.44) a year ago
  • Net cash from operating activities rose to $59.2 M in Q4 2024 from $42.2 M in Q4 2023
  • Free cash flow to the firm increased 39.4% year-over-year to $103.7 M in Q4 2024
  • The company moved to a net cash position of $21.4 M in Q4 2024 from net debt of $97.6 M in Q4 2023
  • Capital expenditures remained modest at $1.4 M in Q4 2024, supporting ongoing investment
  • Interest expense declined to $4.2 M in Q4 2024, down from $6.7 M in Q4 2023
  • Valuation appears rich, trading at a P/E of ~104x and EV/EBITDA of 15.7x in Q4 2024
  • Profit margin remains thin at 1.1% in Q4 2024, reflecting high operating expenses
07/02/25 05:43 PMAI Generated. May Contain Errors.

Frequently Asked Questions About MoneyLion's Financials

When does MoneyLion's financial year end?

According to the most recent income statement we have on file, MoneyLion's fiscal year ends in December. Their fiscal 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. View MoneyLion's forecast to see where analysts expect MoneyLion to go next.

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's 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 7/2/2025 by MarketBeat.com Staff
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