When it comes to short-term investing or trading, they say "the trend is your friend." And there's no denying that this is the most profitable strategy. But making sure of the sustainability of a trend to profit from it is easier said than done.Often, the direction of a stock's price movement reverses quickly after taking a position in it, making investors incur a short-term capital loss. So, it's important to ensure that there are enough factors -- such as sound fundamentals, positive earnings estimate rev ...

Shares of MoneyLion Inc. (ML) have gained 50.4% over the past four weeks to close the last trading session at $73, but there could still be a solid upside left in the stock if short-term price targets of Wall Street analysts are any indication. Going by the price targets, the mean estimate of $95.50 indicates a potential upside of 30.8%.The mean estimate comprises four short-term price targets with a standard deviation of $23.61. While the lowest estimate of $75 indicates a 2.7% increase from the current pr ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.Even though momentum is a popular stock char ...

While "the trend is your friend" when it comes to short-term investing or trading, timing entries into the trend is a key determinant of success. And increasing the odds of success by making sure the sustainability of a trend isn't easy.The trend often reverses before exiting the trade, leading to a short-term capital loss for investors. So, for a profitable trade, one should confirm factors such as sound fundamentals, positive earnings estimate revisions, etc. that could keep the momentum in the stock aliv ...

公司业绩 - MoneyLion（NYSE:ML）在第四季度的收入增长了19%，达到1.13亿美元，超过了分析师预期[4] - 公司年末客户数量达到了1400万，较去年同期增长了115%，产品使用量也增长了79%[5] - ML计划在保险、信用卡和抵押贷款等领域扩大产品范围，目前约48%的产品来自第三方，展示了其不断扩大的市场[6] - 公司的调整后EBITDA为1650万美元，较去年同期的-560万美元有了显著增长[8] - ML预测第一季度的收入将在1.15亿至1.18亿美元之间，增长23-26%，调整后EBITDA在1500万至1800万美元之间[11] 公司发展战略 - 公司预计2024年的增长将加速，主要受益于四大支柱：漏斗优化、垂直扩展、扩大分销和强大的消费者业务[12] - CEO表示公司的增长计划依赖于不断执行的消费者业务和企业端的漏斗优化，同时随着宏观利率环境的变化，公司有望获得更多收入增长[13] - ML计划将AI引入产品中，推出新的高级会员服务，以帮助公司吸引更多高收入用户[15] 估值和展望 - ML目前交易的估值约为2024年调整后EBITDA的10.2倍，2025年调整后EBITDA的7.2倍[16] - 分析师认为，鉴于ML的高增长、扩大利润率和强劲执行力，公司有望在2025年EBITDA上获得10-14倍的估值，估值范围在92-132亿美元之间[18] - ML被认为是一个增长迅速且盈利稳健的金融科技公司，尽管在困难的借贷环境中运营[19] - 分析师认为ML有望通过与Ernst & Young的合作伙伴关系实现更高的增长和估值，目标股价从80美元上调至100美元[20]

Many of the names that are part of the FinTech IPO Index soared double digits on the heels of earnings this past week, leading the overall index 2.7% higher.MoneyLion Shares Roar AheadMoneyLion’s shares gained roughly 34% as December quarter details saw the number of customer inquiries it received through the platform leap 78% year over year (YoY), reaching 205 million in 2023, MoneyLion CEO Dee Choubey said during the company’s quarterly earnings call.This shows customers’ increasing engagement with the fi ...

财务数据和关键指标变化 - 2023年全年收入达到4.23亿美元,同比增长24% [10] - 2023年全年毛利率为60%,较2022年的57%有所提升 [12] - 2023年全年调整后EBITDA达到4600万美元,同比提升近1.1亿美元 [13] - 2023年第四季度调整后EBITDA率为14.6%,较第三季度的12.1%有所提升 [14] - 2023年全年净亏损(除其他收支和税前)为530万美元,较2022年的9870万美元大幅改善 [15] 各条业务线数据和关键指标变化 - 消费者业务和企业业务全年收入均创历史新高 [10] - 2023年全年企业业务约60%收入来自个人贷款业务,较2022年的85%有所下降 [38][40] - 2023年全年共接收约2.05亿客户咨询,同比增长78% [16] 各个市场数据和关键指标变化 - 2023年第四季度总贷款额为6.44亿美元,同比增长30%,环比增长14% [53] - 2023年全年总贷款额为23亿美元,同比增长27% [53] - 2023年全年贷款损失准备率为3.4% [54] 公司战略和发展方向及行业竞争 - 公司正在积极拓展非贷款业务垂直领域,如保险、信用卡、抵押贷款等 [18][64] - 正在与EY建立战略合作伙伴关系,将公司的金融科技解决方案推广至更多中小银行 [43][45] - 公司正在开发AI驱动的个人理财管理工具,提升客户体验和留存 [25][27][34] - 推出会员制产品"MoneyLion WOW",提供独特的现金返还和专属优惠,以吸引更多高收入客户 [29][30][31] 管理层对经营环境和未来前景的评论 - 管理层对2024年的增长前景充满信心,预计将实现收入和利润的双增长 [64][65][66][67][68][69][70] - 认为随着宏观环境的好转,公司的贷款业务将会反弹,带来额外的增长动力 [69][70] - 相信公司的两大业务线协同发展,消费者业务提供客户流量,企业业务提供收入,将推动公司持续增长 [42][50][51][52] 问答环节重要的提问和回答 问题1 **George Sutton 提问** 询问EY合作的具体情况和未来潜力 [81][82] **管理层回答** EY合作可以为中小银行提供数字化转型解决方案,双方已经积累了一定的客户管道,预计将为公司带来可观的收入贡献 [83][84][85][86] 问题2 **Hal Goetsch 提问** 询问公司企业业务中个人贷款占比下降的原因 [94][95] **管理层回答** 个人贷款占比下降是因为公司积极拓展了其他垂直领域,如保险、信用卡等,使得整体收入结构更加多元化,为未来增长奠定基础 [95][96][97] 问题3 **Josh Siegler 提问** 询问公司如何提高客户终身价值 [103][107][108][109][110][111] **管理层回答** 一方面持续优化转化率,另一方面通过交叉销售等方式增加客户ARPU,并利用公司的数据优势为客户提供个性化产品推荐,提升客户粘性和终身价值

公司业绩 - 米其林公司2023年营业利润达到36亿欧元，同比增长5.2%[2] - 2023年全球轮胎市场消费量为17.85亿条，同比增长2.3%[6] - 2023年米其林分部营业利润达到36亿欧元，创下自2007年以来的最高水平[22] - 2023年米其林营业收入略微下降0.9%，主要受销量下滑和货币汇率变化影响，但价格混合效应带来正面影响[28] - 2023年米其林特种轮胎板块营收同比增长0.6%，达到70.29亿欧元[50] 未来展望 - 2024年米其林预计轮胎销量同比变化为-2%至0%，分部营业利润预计将超过35亿欧元[5] - 米其林预计2024年全球轮胎市场总体呈平稳态势，销量同比变化为-2%～+2%[67] 市场趋势 - 全球乘用车配套轮胎消费量同比增长9%，其中欧洲、北美和中国市场分别增长11%、9%、9%[15] - 公司在非洲/印度/中东地区巩固了地位，提高产品价格以抵消不利的货币波动[49] - 亚洲是全球最大的轮胎消费市场，乘用车胎消费量和卡客车胎消费量均呈上升趋势[99] 新产品和新技术研发 - 公司专注于增值产品，推出米其林联网移动服务解决方案，结合轮胎管理和数字支持服务[45] 市场扩张和并购 - 公司在市场份额方面取得增长，特别是在北美市场[44] - 公司在非洲/印度/中东地区巩固了地位，提高产品价格以抵消不利的货币波动[49]

MoneyLion Inc. (ML) came out with a quarterly loss of $0.39 per share versus the Zacks Consensus Estimate of a loss of $0.59. This compares to loss of $3 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 33.90%. A quarter ago, it was expected that this company would post a loss of $0.79 per share when it actually produced a loss of $0.40, delivering a surprise of 49.37%.Over the last four quarters, the company has surpassed cons ...

MoneyLion Q4 & FY 2023 Earnings Presentation 23X March 7,2024 MoneyLion M 237 Disclaimer expensesandinco ncomeareexcludedorincludedindeter without reconciliations of such forward-looking non-GAAP measures, due to the inherent difficulty in forecasting and quantifying certain amounts that are necessary for such reconciliation, which could be material based on historical adjustments.Accordingly,areconciliationisnotavailablewithoutunreasonableeffort. Forward-Looking Statements cmationinthi forecast,""intend,"" ...