0001213900-23-019736.txt : 20230314 0001213900-23-019736.hdr.sgml : 20230314 20230314074032 ACCESSION NUMBER: 0001213900-23-019736 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20230314 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230314 DATE AS OF CHANGE: 20230314 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MONEYLION INC. CENTRAL INDEX KEY: 0001807846 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39346 FILM NUMBER: 23729194 BUSINESS ADDRESS: STREET 1: 30 WEST 21ST STREET STREET 2: 9TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 BUSINESS PHONE: 212-380-1735 MAIL ADDRESS: STREET 1: 30 WEST 21ST STREET STREET 2: 9TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 FORMER COMPANY: FORMER CONFORMED NAME: Fusion Acquisition Corp. DATE OF NAME CHANGE: 20200326 8-K 1 ea174930-8k_moneylion.htm CURRENT REPORT
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date of earliest event reported): March 14, 2023

 

MONEYLION INC.

(Exact name of registrant as specified in its charter)

 

Delaware   001-39346   85-0849243

(State or other jurisdiction

of incorporation)

   (Commission File Number)   (IRS Employer
Identification No.)

 

30 West 21st Street, 9th Floor,

New York, NY 10010

(Address of principal executive offices, including zip code)

 

Registrant’s telephone number, including area code: (212) 300-9865

 

N/A

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
   
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
   
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
   
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Class A common stock, par value $0.0001 per share   ML   The New York Stock Exchange
Redeemable warrants: each whole warrant exercisable for one share of Class A common stock, par value $0.0001   ML WS   The New York Stock Exchange

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

 

Emerging growth company ☒

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

 

 

Item 2.02. Results of Operations and Financial Condition.

 

On March 14, 2023, MoneyLion Inc. (“MoneyLion”) issued a press release announcing its financial results for the quarter and year ended December 31, 2022. A copy of the press release is attached hereto as Exhibit 99.1 to this report.

 

The information furnished pursuant to this Item 2.02, including Exhibit 99.1, is being “furnished” herewith and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that section, or incorporated by reference in any filing made by MoneyLion under the Securities Act of 1933, as amended, or the Exchange Act, regardless of any general incorporation language in such filings, except as shall be expressly set forth by specific reference in such a filing.

 

Item 9.01. Financial Statements and Exhibits

 

(d) Exhibits

 

Exhibit No.   Description
99.1*   Press release, dated March 14, 2023, issued by MoneyLion Inc.
104   Cover Page Interactive Data File (embedded within the Inline XBRL document).

 

*Furnished herewith.

 

1

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  MONEYLION INC.
   
  By: /s/ Richard Correia
    Name:  Richard Correia
    Title: Chief Financial Officer and Treasurer
Date:  March 14, 2023      

 

 

2

 

 EX-99.1 2 ea174930ex99-1_moneylion.htm PRESS RELEASE, DATED MARCH 14, 2023, ISSUED BY MONEYLION INC

Exhibit 99.1

 

 

 

MoneyLion Reports Record Fourth Quarter and Full Year 2022
Results, Reached Significant Profitability Milestone Exiting 2022

Record GAAP and Adjusted Revenue for Fourth Quarter and Full Year 2022

Record Customer Adds of 1.1 Million in Q4 2022; Total Customers up 97% Year-over-Year to 6.5 Million

Management Expects Positive Adjusted EBITDA for Full Year 2023

 

NEW YORK, NY, March 14, 2023 – MoneyLion Inc. (“MoneyLion”) (NYSE: ML), a leader in financial technology powering the next generation of personalized content and products, today announced financial results for the fourth quarter and full year ended December 31, 2022. MoneyLion will host a conference call and webcast at 8:30 a.m. ET today. An earnings presentation and link to the webcast are available at investors.moneylion.com.

 

“I am incredibly proud of the transformative change that the MoneyLion team achieved in 2022,” said Dee Choubey, co-founder and Chief Executive Officer of MoneyLion. “From integrating our unique combination of assets, to setting the team up for efficient execution in a tough operating environment, we delivered incredible value to our customers, resulting in record operating and financial performance in 2022. We achieved another quarter of record Adjusted Revenue and exited the year with positive Adjusted EBITDA in December, highlighting an important milestone and crossing an inflection point. MoneyLion is well positioned for profitable growth in 2023 with a smart business model that drives must-have value to both customers and enterprise clients.”

 

Choubey continued, “Our strong performance in 2022 is a reflection of the investments we have made to create a durable and self-reliant ecosystem. With all of the pieces in place, we are positioned to deliver profitability at scale.”

 

Financial Results(1)*

 

   Three Months Ended
December 31,		   Twelve Months Ended
December 31,		 
  2022   2021   % Change   2022   2021   % Change 
(in thousands)                        
GAAP                        
Total revenues, net  $94,943   $55,548    71%  $340,745   $171,075    99%
Gross profit   57,550    35,644    61%   195,109    104,150    87%
Net loss*   (136,241)*   (32,220)   —    (190,301)*   (169,484)   — 
                               
Non-GAAP                              
Adjusted Revenue  $92,445   $53,999    71%  $328,253   $164,915    99%
Adjusted Gross Profit   57,543    35,640    61%   195,081    104,264    87%
Adjusted EBITDA   (5,632)   (31,863)   —    (63,296)   (67,140)   — 
                              
(in millions)                              
Key Operating Metrics                              
Total Customers   6.5    3.3    97%   6.5    3.3    97%
Total Products   12.9    8.0    60%   12.9    8.0    60%
Total Originations  $496   $386    28%  $1,788   $1,086    65%

 

*Net loss includes a one-time non-cash goodwill impairment loss of $136.8 million in 2022

 

“MoneyLion delivered record Adjusted Revenue of $92 million and improved our Adjusted EBITDA to ($6) million in the fourth quarter. Our full year 2022 Adjusted Revenue grew 99% year-over-year to $328 million, which was at the high end of our range, and Adjusted EBITDA was ($63) million, which was a beat versus our guidance of ($65) to ($70) million. For the first quarter of 2023, we expect Adjusted Revenue of approximately $85 to $88 million and Adjusted EBITDA of approximately ($4) to $0 million. For the full year 2023, we expect positive Adjusted EBITDA, reflecting our continued focus on reaching sustained profitability at scale,” said Rick Correia, MoneyLion’s Chief Financial Officer.

 

 

 

 

Total revenues, net increased 71% to $94.9 million for the fourth quarter of 2022 compared to the fourth quarter of 2021 and increased 99% to $340.7 million for the full year 2022 compared to the full year 2021. Adjusted Revenue increased 71% to $92.4 million for the fourth quarter of 2022 compared to the fourth quarter of 2021 and increased 99% to $328.3 million for the full year 2022 compared to the full year 2021.

 

Gross profit increased 61% to $57.5 million for the fourth quarter of 2022 compared to the fourth quarter of 2021 and increased 87% to $195.1 million for the full year 2022 compared to the full year 2021. Adjusted Gross Profit increased 61% to $57.5 million for the fourth quarter of 2022 compared to the fourth quarter of 2021 and increased 87% to $195.1 million for the full year 2022 compared to the full year 2021.

 

MoneyLion recorded a net loss of $136.2 million for the fourth quarter of 2022 versus a net loss of $32.2 million in the fourth quarter of 2021 and a net loss of $190.3 million for the full year 2022 versus a net loss of $169.5 million for the full year 2021, which was primarily driven by a one-time non-cash goodwill impairment loss of $136.8 million in the fourth quarter and full year of 2022. Adjusted EBITDA was ($5.6) million for the fourth quarter of 2022 versus ($31.9) million in the fourth quarter of 2021 and ($63.3) million for the full year 2022 versus ($67.1) million for the full year 2021, when adjusted for the following non-operating costs:

 

   Three Months Ended
December 31,		   Twelve Months Ended
December 31,		 
   2022   2021   2022   2021 
Net income (loss)  $(136,241)  $(32,220)  $(190,301)  $(169,484)
Add back:                    
Interest related to corporate debt   3,180    1,232    10,117    6,179 
Income tax expense (benefit)   3,949    15    (24,399)   56 
Depreciation and amortization expense   6,089    890    21,673    2,392 
Changes in fair value of warrant liability   (648)   (14,681)   (7,923)   39,629 
Changes in fair value of subordinated convertible notes   -    -    -    41,877 
Change in fair value of contingent consideration from mergers and acquisitions   (27,220)   10,838    (41,254)   10,838 
Goodwill impairment loss   136,760    -    136,760    - 
Stock-based compensation expense   5,960    2,613    19,603    5,039 
One-time expenses   2,544    2,804    12,432    9,051 
Less:                    
Origination financing cost of capital   -    (3,354)   -    (12,718)
Adjusted EBITDA  $(5,632)  $(31,863)  $(63,296)  $(67,140)

 

Customer, Origination and Product Growth

 

Total Customers grew 97% year-over-year to 6.5 million for the full year 2022. Total Products of 12.9 million was up 60% year-over-year for the full year 2022. Total Originations grew 28% year-over-year to $496 million for the fourth quarter of 2022 and grew 65% year-over-year to $1.8 billion for the full year 2022.

 

Q1 2023 Financial Guidance:

 

For the first quarter of 2023, MoneyLion expects:

 

●Adjusted Revenue of approximately $85 to $88 million
   
●Adjusted Gross Profit margin of 58% to 62%
   
●Adjusted EBITDA of approximately ($4) to $0 million

 

(1) Adjusted Revenue, Adjusted Gross Profit and Adjusted EBITDA are non-GAAP measures. Refer to the definitions in the discussion of non-GAAP financial measures and the accompanying reconciliations below.

 

*Based on information available to MoneyLion as of the date of this release and subject to the completion of its annual closing procedures and review by MoneyLion’s independent registered public accounting firm.

 

2

 

 

Conference Call

 

MoneyLion will hold a conference call today at 8:30 a.m. ET to discuss its fourth quarter and full year 2022 results. A live webcast will be available on MoneyLion’s Investor Relations website at investors.moneylion.com. Please dial into the conference 5-10 minutes prior to the start time and ask for the MoneyLion fourth quarter and full year 2022 earnings call.

 

Toll-free dial-in number: 1-877-502-7184

International dial-in number: 1-201-689-8875

 

Following the call, a replay and transcript will be available on the same website.

 

About MoneyLion

 

MoneyLion is a leader in financial technology, powering the next generation of personalized products and content - with a top finance mobile app for consumers, a premier embedded finance platform & API for enterprise businesses and a world-class media arm. MoneyLion’s mission is to positively change people’s financial path by rewiring the financial system and empowering them with greater financial literacy and access. In our app, we deliver curated content through a tailored feed that engages people to learn and share. People take control of their money life with our innovative financial products and marketplace, seamlessly bringing together the best offers and content from MoneyLion and our 1,000+ enterprise partner network, together in one experience. MoneyLion’s technology for enterprise provides the definitive search engine and marketplace for financial products, enabling any company to add embedded finance to their business, with advanced data and tools through our enterprise platform. Established in 2013, MoneyLion connects millions of people with the financial content and products they need, when and where they need it.

 

For more information about the company, visit www.moneylion.com. For investor information and updates, visit investors.moneylion.com and follow @MoneyLionIR on Twitter.

 

Forward-Looking Statements

 

The information in this press release includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as “estimate,” “plan,” “project,” “forecast,” “intend,” “will,” “expect,” “anticipate,” “believe,” “seek,” “target” or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These forward-looking statements include, but are not limited to, statements regarding, among other things, MoneyLion’s financial position, results of operations, cash flows, prospects and growth strategies. These statements are based on various assumptions, whether or not identified in this press release, and on the current expectations of MoneyLion’s management, are subject to a number of risks and uncertainties and are not predictions of actual performance. Actual events and circumstances are difficult or impossible to predict and will differ from assumptions. Many actual events and circumstances are beyond the control of MoneyLion.

 

Factors that could cause actual results and outcomes to differ from those reflected in forward-looking statements include, among other things: factors relating to the business, operations and financial performance of MoneyLion, including market conditions and global and economic factors beyond MoneyLion’s control; MoneyLion’s ability to acquire, engage and retain customers and clients and sell or develop additional functionality, products and services to them on the MoneyLion platform; MoneyLion’s reliance on third-party partners, service providers and vendors, including its ability to comply with applicable requirements of such third parties; demand for and consumer confidence in MoneyLion’s products and services, including as a result of any adverse publicity concerning MoneyLion; any inaccurate or fraudulent information provided to MoneyLion by customers or other third parties; MoneyLion’s ability to realize strategic objectives and avoid difficulties and risks of any acquisitions, strategic investments, entries into new businesses, joint ventures, divestitures and other transactions; MoneyLion’s success in attracting, retaining and motivating its senior management and other key personnel; MoneyLion’s ability to renew or replace its existing funding arrangements and raise financing in the future, to comply with restrictive covenants related to its long-term indebtedness and to manage the effects of changes in the cost of capital; MoneyLion’s ability to achieve or maintain profitability in the future; intense and increasing competition in the industries in which MoneyLion and its subsidiaries operate; risks related to the proper functioning of MoneyLion’s information technology systems and data storage, including as a result of cyberattacks, data security breaches or other similar incidents or disruptions suffered by MoneyLion or third parties upon which it relies; MoneyLion’s ability to protect its intellectual property and other proprietary rights and its ability to obtain or maintain intellectual property, proprietary rights and technology licensed from third parties; MoneyLion’s ability to comply with extensive and evolving laws and regulations applicable to its business and the outcome of any legal or governmental proceedings that may be instituted against MoneyLion; MoneyLion’s ability to establish and maintain an effective system of internal controls over financial reporting; MoneyLion’s ability to maintain the listing of MoneyLion’s Class A common stock and of MoneyLion’s publicly traded warrants to purchase MoneyLion Class A common stock on the New York Stock Exchange and any volatility in the market price of MoneyLion’s securities; and factors discussed in MoneyLion’s filings with the Securities and Exchange Commission. There may be additional risks that MoneyLion presently knows or that MoneyLion currently believes are immaterial that could also cause actual results to differ from those contained in the forward-looking statements.

 

3

 

 

In addition, forward-looking statements reflect MoneyLion’s expectations, plans or forecasts of future events and views as of the date of this press release. MoneyLion anticipates that subsequent events and developments will cause its assessments to change. However, while MoneyLion may elect to update these forward-looking statements at some point in the future, MoneyLion specifically disclaims any obligation to do so. These forward-looking statements should not be relied upon as representing MoneyLion’s assessments as of any date subsequent to the date of this press release. Accordingly, undue reliance should not be placed upon the forward-looking statements.

 

Financial Information; Non-GAAP Financial Measures

 

Some of the financial information and data contained in this press release, such as Adjusted Revenue, Adjusted Gross Profit and Adjusted EBITDA, have not been prepared in accordance with United States generally accepted accounting principles (“GAAP”). MoneyLion management uses these non-GAAP measures for various purposes, including as measures of performance and as a basis for strategic planning and forecasting. MoneyLion believes these non-GAAP measures of financial results provide relevant and useful information to management and investors regarding certain financial and business trends relating to MoneyLion’s results of operations. MoneyLion’s method of determining these non-GAAP measures may be different from other companies’ methods and, therefore, may not be comparable to those used by other companies and MoneyLion does not recommend the sole use of these non-GAAP measures to assess its financial performance. MoneyLion management does not consider these non-GAAP measures in isolation or as an alternative to financial measures determined in accordance with GAAP. The principal limitation of these non-GAAP financial measures is that they exclude significant expenses and income that are required by GAAP to be recorded in MoneyLion’s financial statements. In addition, they are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. In order to compensate for these limitations, management presents non-GAAP financial measures in connection with GAAP results. You should review MoneyLion’s financial statements, which are included in MoneyLion’s filings with the U.S. Securities and Exchange Commission, and not rely on any single financial measure to evaluate MoneyLion’s business.

 

Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP measure are set forth below. To the extent that forward-looking non-GAAP financial measures are provided, they are presented on a non-GAAP basis 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, a reconciliation is not available without unreasonable effort.

 

Definitions:

 

Adjusted Revenue: A non-GAAP measure, defined as total revenues, net plus amortization of loan origination costs less provision for loss on subscription receivables, provision for loss on fees receivables and revenue derived from phased out products.

 

Adjusted Gross Profit: A non-GAAP measure, defined as gross profit less revenue derived from phased out products.

 

Adjusted EBITDA: A non-GAAP measure, defined as net income (loss) plus interest expense related to corporate debt, income tax expense (benefit), depreciation and amortization expense, change in fair value of warrants, change in fair value of subordinated convertible notes, change in fair value of contingent consideration from mergers and acquisitions, goodwill impairment loss, stock-based compensation and one-time expenses less origination financing cost of capital.

 

Total Customers: Defined as the cumulative number of customers that have opened at least one account, including banking, membership subscription, secured personal loan, cash advance, managed investment account, cryptocurrency account and customers that are monetized through our marketplace and affiliate products. Total Customers also include customers that have submitted for, received or clicked on at least one marketplace loan offer. Previously, Total Customers included all customers that submitted for or clicked on an offer through our marketplace but were not necessarily monetized, which we changed beginning in the third quarter of 2022 in order to more accurately reflect management’s view of our customers. Total Customers for all prior periods have been recast to present the updated definition of Total Customers.

 

Total Products: Defined as the total number of products that our Total Customers have opened, including banking, membership subscription, secured personal loan, cash advance, managed investment account, cryptocurrency account and monetized marketplace and affiliate products, as well as customers who signed up for our financial tracking services (with either credit tracking enabled or external linked accounts), whether or not the customer is still registered for the product. Total Products also include marketplace loan offers that our Total Customers have submitted for, received or clicked on through our marketplace. If a customer has funded multiple secured personal loans or cash advances or opened multiple products through our marketplace, it is only counted once for each product type. Previously, Total Products included all products for which our Total Customers submitted or clicked on an offer but were not necessarily monetized, which we changed beginning in the third quarter of 2022 in order to more accurately reflect management’s view of our products. Total Products for all prior periods have been recast to present the updated definition of Total Products.

  

Total Originations: Defined as the dollar volume of the secured personal loans originated and cash advances funded within the stated period. All originations were originated directly by MoneyLion.

 

Enterprise Partners: Composed of Product Partners and Channel Partners. Product Partners are the providers of the financial and non-financial products and services that we offer in our marketplaces, including financial institutions, financial service providers and other affiliate partners. Channel Partners are organizations that allow us to reach a wide base of consumers, including but not limited to news sites, content publishers, product comparison sites and financial institutions.

 

4

 

 

MONEYLION INC.
CONSOLIDATED STATEMENTS OF OPERATIONS

(dollar amounts in thousands)

 

   Twelve Months Ended
December 31,		 
   2022   2021 
Revenue        
Service and subscription revenue  $330,598   $164,073 
Net interest income on loan receivables   10,147    7,002 
Total revenue, net   340,745    171,075 
Operating expenses          
Provision for credit losses on consumer receivables   99,753    60,749 
Compensation and benefits   99,603    45,693 
Marketing   37,245    43,170 
Direct costs   106,419    44,130 
Professional services   32,650    19,847 
Technology-related costs   21,536    9,210 
Other operating expenses   42,216    21,628 
Total operating expenses   439,422    244,427 
Net loss before other (expense) income and income taxes   (98,677)   (73,352)
Interest expense   (29,799)   (7,251)
Change in fair value of warrant liability   7,923    (39,629)
Change in fair value of subordinated convertible notes   —    (41,877)
Change in fair value of contingent consideration from mergers and acquisitions   41,254    (10,838)
Goodwill impairment loss   (136,760)   — 
Other income   1,359    3,519 
Net loss before income taxes   (214,700)   (169,428)
Income tax expense (benefit)   (24,399)   56 
Net loss  $(190,301)  $(169,484)

 

5

 

 

MONEYLION INC.

CONSOLIDATED BALANCE SHEETS

(dollar amounts in thousands, except per share amounts)

 

   December 31,   December 31, 
   2022   2021 
Assets        
Cash  $115,864   $201,763 
Restricted cash, including amounts held by variable interest entities (VIEs) of $36,235 and $39,396   37,845    44,461 
Consumer receivables   169,976    153,741 
Allowance for credit losses on consumer receivables   (24,841)   (22,323)
Consumer receivables, net, including amounts held by VIEs of $113,963 and $92,796   145,135    131,418 
Enterprise receivables   19,017    6,002 
Property and equipment, net   2,976    1,801 
Intangible assets, net   194,247    25,124 
Goodwill   26,600    52,541 
Other assets   54,658    28,428 
Total assets  $596,342   $491,538 
Liabilities and Stockholders’ Equity          
Liabilities:          
Secured loans  $88,617   $43,591 
Accounts payable and accrued liabilities   58,129    36,868 
Warrant liability   337    8,260 
Other debt, including amounts held by VIEs of $143,394 and $143,000   143,394    143,000 
Other liabilities   34,731    38,135 
Total liabilities   325,208    269,854 
Commitments and contingencies (Note 16)          
Redeemable convertible preferred stock (Series A), $0.0001 par value; 45,000,000 and 0 shares authorized as of December 31, 2022 and December 31, 2021, respectively, 25,655,579 shares issued and outstanding as of December 31, 2022 and 0 shares issued and outstanding as of December 31, 2021   173,208    — 
Stockholders’ equity:          
Class A Common Stock, $0.0001 par value; 2,000,000,000 shares authorized as of December 31, 2022 and December 31, 2021, 258,590,373 and 257,620,373 issued and outstanding, respectively, as of December 31, 2022 and 231,452,448 and 230,482,448 issued and outstanding, respectively, as of December 31, 2021   26    23 
Additional paid-in capital   766,814    701,234 
Accumulated deficit   (659,214)   (469,873)
Treasury stock at cost, 970,000 shares at December 31, 2022 and December 31, 2021   (9,700)   (9,700)
Total stockholders’ equity   97,926    221,684 
Total liabilities, redeemable convertible preferred stock and stockholders’ equity  $596,342   $491,538 

 

6

 

 

MONEYLION INC.

RECONCILIATION OF REVENUE TO ADJUSTED REVENUE

(dollar amounts in thousands)

 

   Three Months Ended
December 31,		   Twelve Months Ended
December 31,		 
   2022   2021   2022   2021 
Total revenues, net  $94,943   $55,548   $340,745   $171,075 
Add back:                    
Amortization of loan origination costs   218    1,461    1,020    2,500 
Less:                    
Provision for credit losses on receivables - subscription receivables   (1,214)   (966)   (5,231)   (3,170)
Provision for credit losses on receivables - fees receivables   (1,496)   (2,039)   (8,253)   (5,604)
Revenue derived from products that have been phased out   (7)   (5)   (28)   114 
Adjusted Revenue  $92,445   $53,999   $328,253   $164,915 

 

7

 

 

MONEYLION INC.

RECONCILIATION OF REVENUE TO ADJUSTED GROSS PROFIT

(dollar amounts in thousands)

 

   Three Months Ended
December 31,		   Twelve Months Ended
December 31,		 
   2022   2021   2022   2021 
Total revenue, net  $94,943   $55,548   $340,745   $171,075 
Less:                    
Cost of Sales                    
Direct costs   (26,992)   (12,799)   (106,419)   (44,130)
Provision for credit losses on receivables - subscription receivables   (1,214)   (966)   (5,231)   (3,170)
Provision for credit losses on receivables - fees receivables   (1,496)   (2,039)   (8,253)   (5,604)
Technology related costs   (3,050)   (1,859)   (10,447)   (6,352)
Professional services   (2,048)   (1,115)   (5,898)   (3,574)
Compensation and benefits   (2,499)   (1,030)   (8,951)   (3,836)
Other operating expenses   (95)   (96)   (438)   (259)
Gross Profit  $57,550   $35,644   $195,109   $104,150 
Less:                    
Revenue derived from products that have been phased out   (7)   (5)   (28)   114 
Adjusted Gross Profit  $57,543   $35,640   $195,081   $104,264 

 

8

 

 

MONEYLION INC.

RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA

(dollar amounts in thousands)

 

   Three Months Ended
December 31,		   Twelve Months Ended
December 31,		 
   2022   2021   2022   2021 
Net income (loss)  $(136,241)  $(32,220)  $(190,301)  $(169,484)
Add back:                    
Interest related to corporate debt   3,180    1,232    10,117    6,179 
Income tax expense (benefit)   3,949    15    (24,399)   56 
Depreciation and amortization expense   6,089    890    21,673    2,392 
Changes in fair value of warrant liability   (648)   (14,681)   (7,923)   39,629 
Changes in fair value of subordinated convertible notes   -    -    -    41,877 
Change in fair value of contingent consideration from mergers and acquisitions   (27,220)   10,838    (41,254)   10,838 
Goodwill impairment loss   136,760    -    136,760    - 
Stock-based compensation expense   5,960    2,613    19,603    5,039 
One-time expenses   2,544    2,804    12,432    9,051 
Less:                    
Origination financing cost of capital   -    (3,354)   -    (12,718)
Adjusted EBITDA  $(5,632)  $(31,863)  $(63,296)  $(67,140)

 

Contacts

 

Sean Horgan

Head of Investor Relations, MoneyLion

O: (332) 258-7621

shorgan@moneylion.com

 

MoneyLion Communications

pr@moneylion.com

 

 

9

 

 

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Cover
Mar. 14, 2023
Document Type 8-K
Amendment Flag false
Document Period End Date Mar. 14, 2023
Entity File Number 001-39346
Entity Registrant Name MONEYLION INC.
Entity Central Index Key 0001807846
Entity Tax Identification Number 85-0849243
Entity Incorporation, State or Country Code DE
Entity Address, Address Line One 30 West 21st Street
Entity Address, Address Line Two 9th Floor
Entity Address, City or Town New York
Entity Address, State or Province NY
Entity Address, Postal Zip Code 10010
City Area Code 212
Local Phone Number 300-9865
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company true
Elected Not To Use the Extended Transition Period false
Class A common stock, par value $0.0001 per share  
Title of 12(b) Security Class A common stock, par value $0.0001 per share
Trading Symbol ML
Security Exchange Name NYSE
Redeemable warrants: each whole warrant exercisable for one share of Class A common stock, par value $0.0001  
Title of 12(b) Security Redeemable warrants: each whole warrant exercisable for one share of Class A common stock, par value $0.0001
Trading Symbol ML WS
Security Exchange Name NYSE
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