MoneyLion Inc
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 r… Read more
MoneyLion Inc (ML) - Net Assets
Latest net assets as of December 2024: $290.94 Million USD
Based on the latest financial reports, MoneyLion Inc (ML) has net assets worth $290.94 Million USD as of December 2024.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($518.59 Million) and total liabilities ($227.65 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $290.94 Million |
| % of Total Assets | 56.1% |
| Annual Growth Rate | 47.39% |
| 5-Year Change | 826.39% |
| 10-Year Change | N/A |
| Growth Volatility | 259.0 |
MoneyLion Inc - Net Assets Trend (2019–2024)
This chart illustrates how MoneyLion Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for MoneyLion Inc (2019–2024)
The table below shows the annual net assets of MoneyLion Inc from 2019 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $290.94 Million | +13.11% |
| 2023-12-31 | $257.22 Million | +162.67% |
| 2022-12-31 | $97.93 Million | -58.01% |
| 2021-12-31 | $233.23 Million | +642.64% |
| 2020-12-31 | $31.41 Million | -24.85% |
| 2019-12-31 | $41.79 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to MoneyLion Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 43136500000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $1.00K | 0.00% |
| Other Components | $984.51 Million | 338.39% |
| Total Equity | $290.94 Million | 100.00% |
MoneyLion Inc Competitors by Market Cap
The table below lists competitors of MoneyLion Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Banque Cantonale du Valais
SW:WKBN
|
$755.90 Million |
|
Shenzhen INVT Electric Co Ltd
SHE:002334
|
$755.99 Million |
|
OPmobility SE
PA:OPM
|
$756.06 Million |
|
Beyondsoft Corp
SHE:002649
|
$756.42 Million |
|
Vitec Software Group AB (publ)
ST:VIT-B
|
$755.50 Million |
|
CES Energy Solutions Corp
PINK:CESDF
|
$755.12 Million |
|
Camden National Corporation
NASDAQ:CAC
|
$755.06 Million |
|
Greggs plc
PINK:GGGSY
|
$754.98 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in MoneyLion Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 257,223,000 to 290,942,000, a change of 33,719,000 (13.1%).
- Net income of 9,146,000 contributed positively to equity growth.
- Share repurchases of 1,194,000 reduced equity.
- Other comprehensive income increased equity by 515,259,000.
- Other factors decreased equity by 489,492,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $9.15 Million | +3.14% |
| Share Repurchases | $1.19 Million | -0.41% |
| Other Comprehensive Income | $515.26 Million | +177.1% |
| Other Changes | $-489.49 Million | -168.24% |
| Total Change | $- | 13.11% |
Book Value vs Market Value Analysis
This analysis compares MoneyLion Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 35.47x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $-364.71 | $85.90 | x |
| 2020-12-31 | $-26.86 | $85.90 | x |
| 2021-12-31 | $72.02 | $85.90 | x |
| 2022-12-31 | $12.15 | $85.90 | x |
| 2023-12-31 | $26.75 | $85.90 | x |
| 2024-12-31 | $2.42 | $85.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently MoneyLion Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.14%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 1.68%
- • Asset Turnover: 1.05x
- • Equity Multiplier: 1.78x
- Recent ROE (3.14%) is above the historical average (-46.58%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 0.00% | -131.06% | 0.62x | 0.00x | $-75.92 Million |
| 2020 | 0.00% | -52.37% | 0.64x | 0.00x | $-37.54 Million |
| 2021 | -70.69% | -96.36% | 0.35x | 2.11x | $-188.20 Million |
| 2022 | -194.33% | -55.85% | 0.57x | 6.09x | $-200.09 Million |
| 2023 | -17.59% | -10.69% | 0.82x | 2.00x | $-70.97 Million |
| 2024 | 3.14% | 1.68% | 1.05x | 1.78x | $-19.95 Million |
Industry Comparison
This section compares MoneyLion Inc's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $1,558,090,989
- Average return on equity (ROE) among peers: -47.81%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| MoneyLion Inc (ML) | $290.94 Million | 0.00% | 0.78x | $755.68 Million |
| Abaxx Technologies Inc (ABXXF) | $42.03 Million | -128.66% | 0.23x | $201.28 Million |
| Acceleware Ltd (ACWRF) | $2.15 Million | -4.58% | 1.86x | $8.62 Million |
| Adobe Systems Incorporated (ADBE) | $6.67 Billion | 12.49% | 0.51x | $104.01 Billion |
| Adcore Inc (ADCOF) | $9.73 Million | -22.96% | 0.49x | $3.03 Million |
| ADEIA CORP (ADEA) | $618.15 Million | -0.05% | 1.00x | $2.50 Billion |
| Automatic Data Processing Inc (ADP) | $6.19 Billion | 22.71% | 4.21x | $84.26 Billion |
| Autodesk Inc (ADSK) | $2.04 Billion | 12.11% | 1.11x | $48.93 Billion |
| Allied Security Innovations Inc (ADSV) | $445.50K | -270.60% | 3.60x | $0.93 |
| AudioEye Inc (AEYE) | $10.59 Million | -98.53% | 1.31x | $49.31 Million |
| Affinity Networks Inc (AFFN) | $-470.19K | 0.00% | 0.00x | $0.97 |