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MoneyLion (MoneyLion) Debt-to-EBITDA : 6.10 (As of Dec. 2023)


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What is MoneyLion Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

MoneyLion's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.0 Mil. MoneyLion's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $189.8 Mil. MoneyLion's annualized EBITDA for the quarter that ended in Dec. 2023 was $31.1 Mil. MoneyLion's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 was 6.10.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for MoneyLion's Debt-to-EBITDA or its related term are showing as below:

ML' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.42   Med: -1.17   Max: 26.47
Current: 26.47

During the past 5 years, the highest Debt-to-EBITDA Ratio of MoneyLion was 26.47. The lowest was -1.42. And the median was -1.17.

ML's Debt-to-EBITDA is ranked worse than
97.43% of 1598 companies
in the Software industry
Industry Median: 1.06 vs ML: 26.47

MoneyLion Debt-to-EBITDA Historical Data

The historical data trend for MoneyLion's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

MoneyLion Debt-to-EBITDA Chart

MoneyLion Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23
Debt-to-EBITDA
-0.39 -1.24 -1.17 -1.42 26.47

MoneyLion Quarterly Data
Dec19 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.49 11.70 -3.51 5.13 6.10

Competitive Comparison of MoneyLion's Debt-to-EBITDA

For the Software - Application subindustry, MoneyLion's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


MoneyLion's Debt-to-EBITDA Distribution in the Software Industry

For the Software industry and Technology sector, MoneyLion's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where MoneyLion's Debt-to-EBITDA falls into.



MoneyLion Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

MoneyLion's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 189.753) / 7.168
=26.47

MoneyLion's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 189.753) / 31.088
=6.10

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Dec. 2023) EBITDA data.


MoneyLion  (NYSE:ML) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


MoneyLion Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of MoneyLion's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


MoneyLion (MoneyLion) Business Description

Traded in Other Exchanges
N/A
Address
30 West 21st Street, 9th Floor, New York, NY, USA, 10010
MoneyLion Inc is a mobile banking and financial membership platform that empowers people to take control of their finances. It is a full-service digital platform to deliver mobile banking, lending, and investment solutions. The firm offers a personalized, all-in-one, digital financial platform that provides convenient, low-cost access to banking, borrowing, and investing solutions tailored for its customers, rooted in data, and delivered through its proprietary technology platform.
Executives
Diwakar Choubey director, officer: President, CEO and Director 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Adam Vanwagner officer: General Counsel 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Timmie Hong officer: Chief Product Officer 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Richard Correia officer: Chief Financial Officer 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
John C Chrystal director C/O BANCORP, INC., 409 SILVERSIDE ROAD, SUITE 105, WILMINGTON DE 19809
Mark Torossian officer: Chief Accounting Officer 1400 BROADWAY, 25TH FLOOR, NEW YORK NY 10018
Matthew Derella director C/O TWITTER, INC., 1355 MARKET STREET, SUITE 900, SAN FRANCISCO CA 94103
Jeff Gary director, officer: Chief Financial Officer 390 PARK AVENUE, 15TH FLOOR, NEW YORK NY 10022
Gregory Depetris director 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Michael Paull director 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Rohit Dsouza 10 percent owner C/O MONEYLION INC., 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Chee Mun Foong officer: Chief Technology Officer 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010
Greenspring Global Partners Viii-c, L.p. 10 percent owner 100 PAINTERS MILL ROAD, SUITE 700, OWINGS MILLS MD 21117
Greenspring Global Partners Viii-a, L.p 10 percent owner 100 PAINTERS MILL ROAD, SUITE 700, OWINGS MILLS MD 21117
Rds Moneylion Holdings I, Llc 10 percent owner C/O MONEYLION INC., 30 WEST 21ST STREET, 9TH FLOOR, NEW YORK NY 10010