MoneyLion Inc. (ML) came out with quarterly earnings of $0.26 per share, beating the Zacks Consensus Estimate of a loss of $0.01 per share. This compares to loss of $0.42 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 2,700%. A quarter ago, it was expected that this company would post a loss of $0.29 per share when it actually produced earnings of $0.60, delivering a surprise of 306.90%.Over the last four quarters, the compan ...

财务数据 - 公司总收入为251,852千美元，同比增长25.8%[43] - 服务和订阅收入为245,963千美元，同比增长26.8%[43] - 贷款应收账款净利息收入为5,889千美元，同比下降5.5%[43] - 净利润为10,212千美元，上年同期亏损36,940千美元[43] - 每股收益为0.85美元，上年同期亏损4.05美元[44,45] - 现金及受限现金合计为103,110千美元，较上年末增加8,580千美元[41] - 消费者应收款净额为196,835千美元，较上年末增加13.9%[41] - 企业应收款净额为23,045千美元，较上年末增加44.2%[41] - 总资产为545,743千美元，较上年末增加5.9%[41] - 公司于2024年6月30日的总股东权益为278,456千美元[50] - 2024年1月1日至6月30日期间,公司净收益为10,212千美元[50] - 2023年6月30日,公司总股东权益为253,665千美元[51] - 2023年1月1日至6月30日期间,公司净亏损为36,940千美元[51] - 公司总收入在2024年第二季度为130,846千美元，同比增长22.8%[66] - 消费者收入在2024年第二季度为92,400千美元，同比增长32.8%[67] - 其中消费者服务和订阅费收入为89,444千美元，同比增长35.0%[67] - 企业服务收入在2024年第二季度为38,446千美元，同比增长4.0%[67] - 2024年上半年总收入为251,852千美元，同比增长25.8%[67] - 2024年上半年消费者收入为180,542千美元，同比增长33.8%[67] - 2024年上半年企业服务收入为71,310千美元，同比增长9.2%[67] 贷款和应收款 - 公司的消费者应收款包括有抵押个人贷款和Instacash垫款的本金[77] - 截至2024年6月30日,公司贷款应收款余额为75,085万美元,其中逾期61-90天的贷款占6.0%[87][88] - 截至2024年6月30日,公司Instacash应收款余额为139,992万美元,其中逾期的占16.3%[89] - 公司分别在2024年上半年和2023年上半年计提的贷款损失准备为1,400万美元和3,603万美元[82] - 公司分别在2024年上半年和2023年上半年计提的Instacash应收款损失准备为44,337万美元和28,502万美元[83] - 公司分别在2024年上半年和2023年上半年计提的费用应收款损失准备为5,526万美元和8,043万美元[84] - 公司分别在2024年上半年和2023年上半年计提的订阅应收款损失准备为2,398万美元和1,925万美元[85] - 31至60天逾期贷款为13,033笔，占比9.3%[92] - 61至90天逾期贷款为9,847笔，占比7.0%[92] - 总逾期贷款为22,880笔，占比16.3%[92] - 截至2024年6月30日，费用应收款中当前款项为13,644笔，占比81.9%[93] - 截至2024年6月30日，订阅应收款中当前款项为3,136笔，占比75.2%[94] - 公司于2024年6月30日与Sound Point Capital Management LP签订了总额为175,000,000美元的应收账款购买协议[96] - 公司将按月向买方支付相当于可用融资额2.00%的不可退还费用，最高不超过1,750,000美元[98] 负债和融资 - 截至2024年6月30日，公司拥有65,000,000美元的Monroe贷款，利率为12.33%[111] - 截至2024年6月30日，公司拥有ROAR 1 SPV信贷额度66,500,000美元和ROAR 2 SPV信贷额度64,500,000美元[109] - 公司拥有583,333份公开认股权证和270,000份私募认股权证,后者作为负债入账并按公允价值计量[134,135,136,137] 股权结构 - 公司拥有两类普通股:Class A Common Stock和Series A Preferred Stock[116,120] - Class A Common Stock每股拥有一票表决权,可获得公司宣派的股息[117,118] - Series A Preferred Stock持有人有权获得每股30美分的累积年度股息,并在公司清算时优先获得清算价值[121,122] - Series A Preferred Stock已于2023年5月26日自动转换为1,012,293股Class A Common Stock[124] - 公司于2023年6月30日支付了2022年度Series A Preferred Stock的股息,以Class A Common Stock和现金的方式支付[125] - 公司于2022年股东大会上批准了修订后的股权激励计划,2024年上半年确认了750,000美元的股权激励费用[127,128] 法律合规 - 公司目前面临的法律诉讼总体不会对其业务、财务状况、经营成果或现金流产生重大不利影响[148] - 公司需要遵守各州的监管要求,并接受州监管机构的检查,可能需要向客户提供退款或修改内部控制和/或业务实践[149,150] - 消费者金融保护局对公司提起民事诉讼,指控违反《军人贷款法》和《消费者金融保护法》,公司正在积极应�并进行抗辩[151] - 原MALKA股东起诉公司违反收购协议,双方就2022年业绩目标达成情况存在争议,公司正在积极应诉[152] - 原优先股股东起诉公司关于反向股票拆分的代理投票声明存在违规,法院已驳回原告诉求[153] 收购和合作 - 公司完成了对Even Financial Inc.的收购,并于2023年5月和6月分别完成了收购对价的结算[154-157] - 公司与Pathward银行签订了新的账户服务协议,延长了合作期限并增加了透支保护功能[160] 业务

财务业绩 - 第二季度营收达1.308亿美元，同比增长23%[10] - 实现GAAP净利润310.7万美元，每股摊薄收益0.26美元[8] - 调整后EBITDA为1850万美元，调整后EBITDA利润率为14.2%[8] - 公司总收入为1.308亿美元，同比增长22.8%[30] - 贷款损失准备金为3,343.1万美元，占总收入的25.6%[30] - 公司净利润为313.7万美元，上年同期亏损2,772.3万美元[30] - 每股收益为0.29美元，上年同期亏损2.71美元[30] - 公司经营活动产生的现金流入为4,779.8万美元[32] - 公司投资活动产生的现金流出为4,392.0万美元[32] - 公司融资活动产生的现金流出为267.0万美元[32] - 公司在2024年第二季度实现净利润3,137,000美元，而2023年同期为净亏损27,723,000美元[33] - 2024年上半年公司实现调整后EBITDA42,003,000美元，2023年上半年为16,529,000美元[33] - 公司2024年第二季度利息费用为2,576,000美元，2023年同期为3,475,000美元[33] - 公司2024年第二季度股份支付费用为7,531,000美元，2023年同期为5,250,000美元[33] - 公司2024年上半年股份支付费用为14,028,000美元，2023年上半年为10,955,000美元[33] 业务发展 - 总客户数达1700万，同比增长73%[9] - 总产品数达2770万，同比增长60%[9] - 总贷款发放额达7.7亿美元，同比增长40%[9] - 公司正在通过一系列产品、服务和技术来实现数字生态系统的发展战略[5] - 现金及受限现金总额为1.031亿美元，较上年末增加8.6%[31] - 消费者应收款净额为1.968亿美元，较上年末增加13.9%[31] - 公司总资产为5.457亿美元，较上年末增加5.9%[31] 未来展望 - 预计第三季度营收将达到1.33亿至1.38亿美元，同比增长21%-25%[13] - 预计全年营收将达到5.25亿至5.35亿美元，同比增长24%-26%[13] - 预计全年调整后EBITDA将达到8000万至8700万美元，调整后EBITDA利润率为15.0%-16.6%[13]

Investors often turn to recommendations made by Wall Street analysts before making a Buy, Sell, or Hold decision about a stock. While media reports about rating changes by these brokerage-firm employed (or sell-side) analysts often affect a stock's price, do they really matter?Let's take a look at what these Wall Street heavyweights have to say about MoneyLion Inc. (ML) before we discuss the reliability of brokerage recommendations and how to use them to your advantage.MoneyLion currently has an average bro ...

For those looking to find strong Business Services stocks, it is prudent to search for companies in the group that are outperforming their peers. MoneyLion Inc. (ML) is a stock that can certainly grab the attention of many investors, but do its recent returns compare favorably to the sector as a whole? By taking a look at the stock's year-to-date performance in comparison to its Business Services peers, we might be able to answer that question.MoneyLion Inc. is one of 315 individual stocks in the Business S ...

MoneyLion Inc. (ML) has recently been on Zacks.com's list of the most searched stocks. Therefore, you might want to consider some of the key factors that could influence the stock's performance in the near future.Shares of this company have returned -15.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The Zacks Financial Transaction Services industry, to which MoneyLion belongs, has gained 2.2% over this period. Now the key question is: Where could the stock be headed in the near te ...

MoneyLion Inc. (ML) shares soared 10.3% in the last trading session to close at $87. The move was backed by solid volume with far more shares changing hands than in a normal session. This compares to the stock's 1.4% loss over the past four weeks.MoneyLion’s price increased for the fourth consecutive day. The company’s focus on the utilization of artificial intelligence to enhance customer experience has bolstered investors’ confidence. Increased efficiency is expected to position MoneyLion as a leading pla ...

When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?Before we discuss the reliability of brokerage recommendations and how to use them to your advantage, let's see what these Wall Street heavyweights think about MoneyLion Inc. (ML) .MoneyLion currently has an average brokerage recommendation (ABR) of 1.25, ...

MoneyLion Inc. (ML) is one of the stocks most watched by Zacks.com visitors lately. So, it might be a good idea to review some of the factors that might affect the near-term performance of the stock.Over the past month, shares of this company have returned -18.4%, compared to the Zacks S&P 500 composite's +4.1% change. During this period, the Zacks Financial Transaction Services industry, which MoneyLion falls in, has lost 0.3%. The key question now is: What could be the stock's future direction?Although me ...

The most recent trading session ended with MoneyLion Inc. (ML) standing at $73.02, reflecting a +1.57% shift from the previouse trading day's closing. The stock's change was more than the S&P 500's daily gain of 0.09%. Elsewhere, the Dow lost 0.1%, while the tech-heavy Nasdaq added 0.16%.The the stock of company has fallen by 23.39% in the past month, lagging the Business Services sector's gain of 1.04% and the S&P 500's gain of 2.83%.Investors will be eagerly watching for the performance of MoneyLion Inc. ...