MoneyLion (ML) Stock Forecast & Price Target

MoneyLion Inc. demonstrated robust financial performance in 4Q, achieving revenue of $158.6 million, a significant 40.4% increase year-over-year, driven by notable growth in both consumer and enterprise revenue streams. The company added 6.4 million new customers throughout 2024, reaching a total of 20.4 million, while customer inquiries for its offerings surged to approximately 90 million in the fourth quarter alone. Furthermore, the acceleration of enterprise revenue growth to 81% year-over-year and an EBITDA margin improvement to 16.1% underline MoneyLion's strategic investments in marketing and its expanding product offerings, reinforcing a positive outlook for future growth potential.

MoneyLion Inc. has faced a slowdown in enterprise revenues as banks and nonbank financials tighten lending standards due to rising rates and increasing consumer credit losses, which may hinder revenue visibility in the near term. Additionally, the company's exposure to credit risk through its secured personal loans and wage access products poses a potential threat to future funding if credit performance deteriorates further. The heightened competition in the digital banking space raises concerns about share losses, which could adversely affect growth and profitability moving forward.