MoneyLion (NYSE:ML) and Mercurity Fintech (NASDAQ:MFH) Financial Analysis

Mercurity Fintech (NASDAQ:MFH) and MoneyLion (NYSE:ML) are both small-cap business services companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership and risk.

Profitability

This table compares Mercurity Fintech and MoneyLion’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mercurity Fintech	N/A	N/A	N/A
MoneyLion	0.64%	1.18%	0.61%

Earnings and Valuation

This table compares Mercurity Fintech and MoneyLion”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mercurity Fintech	$716,863.00	575.32	-$9.36 million	N/A	N/A
MoneyLion	$500.28 million	1.92	-$45.24 million	$0.22	393.55

Mercurity Fintech has higher earnings, but lower revenue than MoneyLion.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Mercurity Fintech and MoneyLion, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Mercurity Fintech	0	0	0	0	0.00
MoneyLion	0	2	4	2	3.00

MoneyLion has a consensus target price of $100.00, suggesting a potential upside of 15.50%. Given MoneyLion’s stronger consensus rating and higher probable upside, analysts plainly believe MoneyLion is more favorable than Mercurity Fintech.

Volatility and Risk

Mercurity Fintech has a beta of 3.38, indicating that its share price is 238% more volatile than the S&P 500. Comparatively, MoneyLion has a beta of 3.07, indicating that its share price is 207% more volatile than the S&P 500.

Insider and Institutional Ownership

30.8% of Mercurity Fintech shares are owned by institutional investors. Comparatively, 31.4% of MoneyLion shares are owned by institutional investors. 62.8% of Mercurity Fintech shares are owned by insiders. Comparatively, 11.9% of MoneyLion shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

MoneyLion beats Mercurity Fintech on 9 of the 13 factors compared between the two stocks.

About Mercurity Fintech

Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.

About MoneyLion

MoneyLion Inc., a financial technology company, provides personalized products and financial content for American consumers. The company's platform offers access to banking, borrowing, and investing solutions for customers. Its principal products include RoarMoney, an insured digital demand deposit account; Instacash, a cash advance product that gives customers early access to their recurring income deposits; Credit Builder Plus membership program; MoneyLion Investing, an online investment account that offers access to separately managed accounts invested based on model exchange-traded fund portfolios; Roundups, which provides features designed to encourage customers to establish good saving and investing habits; and MoneyLion Crypto, an online cryptocurrency account. It also provides marketplace solutions, such as valuable distribution, acquisition, growth, and monetization channels; and creative media and brand content services. MoneyLion Inc. was founded in 2013 and is headquartered in New York, New York.