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Upturn AI SWOT - About
MoneyLion Inc (ML)
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Upturn Advisory Summary
02/27/2025: ML (3-star) is a WEAK-BUY. BUY since 74 days. Profits (7.18%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 61.76% | Avg. Invested days 39 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 02/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 970.81M USD | Price to earnings Ratio 112.84 | 1Y Target Price 94.25 |
Price to earnings Ratio 112.84 | 1Y Target Price 94.25 | ||
Volume (30-day avg) 153385 | Beta 2.94 | 52 Weeks Range 36.65 - 106.82 | Updated Date 04/6/2025 |
52 Weeks Range 36.65 - 106.82 | Updated Date 04/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.76 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.68% | Operating Margin (TTM) 3.69% |
Management Effectiveness
Return on Assets (TTM) 3.22% | Return on Equity (TTM) 3.34% |
Valuation
Trailing PE 112.84 | Forward PE 32.26 | Enterprise Value 949368261 | Price to Sales(TTM) 1.78 |
Enterprise Value 949368261 | Price to Sales(TTM) 1.78 | ||
Enterprise Value to Revenue 1.74 | Enterprise Value to EBITDA 15.98 | Shares Outstanding 11320100 | Shares Floating 8797185 |
Shares Outstanding 11320100 | Shares Floating 8797185 | ||
Percent Insiders 9.07 | Percent Institutions 67.15 |
Analyst Ratings
Rating 4.2 | Target Price 105 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
MoneyLion Inc
Company Overview
History and Background
MoneyLion Inc. was founded in 2013. It started as a digital lending platform and evolved into a financial technology company offering a wide range of services including mobile banking, investment, and cryptocurrency solutions. In September 2021, MoneyLion went public via a merger with Fusion Acquisition Corp.
Core Business Areas
- Banking & Lending: Mobile banking accounts, personal loans, and credit builder loans designed to improve financial health.
- Investing: Automated investing accounts and access to cryptocurrency trading.
- Financial Content: Educational resources and personalized financial advice through its platform.
Leadership and Structure
Dee Choubey is the co-founder and CEO. The company has a typical corporate structure with executive leadership overseeing various departments such as technology, marketing, and finance.
Top Products and Market Share
Key Offerings
- Instacash: A service offering access to interest-free cash advances up to $500. Competitors include Dave, Brigit, and Earnin. Market Share data specific to Instacash is not publicly available.
- Credit Builder Plus: A program designed to help users build credit. Competitors include Self Lender and Kikoff. User count is around 1 million in 2023. Revenue is estimated at around 100-150 million in 2023. Market share data is not publicly available.
- RoarMoney: A mobile banking account with early paycheck access and other features. Competitors include Chime, Varo, and Current. The number of users is growing rapidly; market share data is not publicly available.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increased adoption of digital financial services. It's highly competitive, with many new players and established financial institutions vying for market share. The growth is primarily driven by increased mobile adoption and the need to offer more personalized and innovative solutions.
Positioning
MoneyLion positions itself as a comprehensive financial platform for the mass market, offering a range of services under one roof. Its competitive advantages include its integrated platform and focus on financial education.
Total Addressable Market (TAM)
The TAM for digital financial services in the US is estimated to be in the hundreds of billions of dollars. MoneyLion is positioned to capture a share of this market by offering a diverse range of products and services.
Upturn SWOT Analysis
Strengths
- Integrated platform offering multiple financial services
- Focus on financial education and empowerment
- Strong mobile presence and user-friendly interface
- Innovative product offerings
Weaknesses
- Relatively small market share compared to established financial institutions
- Reliance on funding for growth
- High customer acquisition costs
- Profitability remains a challenge
Opportunities
- Expanding product offerings to meet evolving customer needs
- Acquiring new customers through strategic partnerships
- Increasing brand awareness and recognition
- Capitalizing on the growing demand for digital financial services
Threats
- Increased competition from established financial institutions and other fintech companies
- Changes in regulations impacting the fintech industry
- Economic downturn affecting consumer spending
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- SOFI
- LC
- UPST
- SQ
- PYPL
Competitive Landscape
MoneyLion faces intense competition from established financial institutions and other fintech companies. Its competitive advantages include its integrated platform and focus on financial education. It has disadvantages as it has a smaller market share and faces challenges with achieving profitability.
Major Acquisitions
Even Financial
- Year: 2020
- Acquisition Price (USD millions): 360
- Strategic Rationale: To expand its product offerings and reach a broader customer base.
Growth Trajectory and Initiatives
Historical Growth: MoneyLion has experienced rapid revenue growth in recent years, driven by increased customer acquisition and product adoption.
Future Projections: Analysts expect MoneyLion to continue growing revenue at a rapid pace. However, achieving profitability remains a key challenge.
Recent Initiatives: MoneyLion has launched several new products and services in recent years, including cryptocurrency trading and new lending options.
Summary
MoneyLion is a growing fintech company with a diverse range of financial products and services, especially for underserved markets. While it has achieved rapid revenue growth, profitability remains a key challenge. The company needs to focus on improving its financial efficiency and market share to compete effectively. It also needs to watch out for cybersecurity, compliance and regulatory requirements.
Similar Companies
LC
LendingClub Corp
LC
LendingClub Corp
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
UPST
Upstart Holdings Inc
UPST
Upstart Holdings Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About MoneyLion Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 2020-08-14 | Co-Founder, CEO & Director Mr. Diwakar M Choubey | ||
Sector Technology | Industry Software - Application | Full time employees 575 | Website https://investors.moneylion.com |
Full time employees 575 | Website https://investors.moneylion.com | ||
MoneyLion Inc., a financial technology company, provides personalized products and financial content for consumers in the United States. The company's platform offers access to banking, borrowing, and investing solutions for customers. Its principal products include RoarMoney, an insured digital demand deposit account; Instacash, a cash advance product that gives customers early access to their recurring income deposits; Credit Builder Plus membership program, which enables customers to access and manage funds, establish or rebuild credit history, and monitor financial health; MoneyLion WOW membership program, that provides financial tools, cashback rewards, exclusive savings, and additional benefits; MoneyLion Active Investing, an online investment account offered to WOW members to control their investment journey; MoneyLion Managed Investing, an online investment account that offers access to separately managed accounts invested based on model exchange-traded fund portfolios; MoneyLion Crypto, an online digital asset account; and Roundups, which provides features designed to encourage customers to establish good saving and investing habits. It also provides marketplace solutions, such as valuable distribution, acquisition, growth, and monetization channels; and creative media and brand content services. MoneyLion Inc. was founded in 2013 and is headquartered in New York, New York.
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