0001213900-22-070816.txt : 20221110 0001213900-22-070816.hdr.sgml : 20221110 20221110073520 ACCESSION NUMBER: 0001213900-22-070816 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20221110 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221110 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: 221374963 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 ea168231-8k_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): November 10, 2022

 

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 November 10, 2022, MoneyLion Inc. (“MoneyLion”) issued a press release announcing its financial results for the quarter ended September 30, 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 November 10, 2022, 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: November 10, 2022      

 

 

2

 

 

 EX-99.1 2 ea168231ex99-1_moneylion.htm PRESS RELEASE, DATED NOVEMBER 10, 2022, ISSUED BY MONEYLION INC

Exhibit 99.1 

 

 

 

MoneyLion Reports Record Third Quarter 2022 Results

Record GAAP and Adjusted Revenue for Third Quarter 2022; Continued Progress Towards Profitability

 

Quarterly GAAP Revenue up 101% Year-over-Year; Adjusted Revenue up 103% Year-over-Year

 

Net Loss of $21.0 million in Q3 from $23.1 million in Q2; Adj. EBITDA of ($14.3) million in Q3 from ($18.5) million in Q2

 

New Customer Adds of 780K; Total Customers Grew 101% Year-over-Year to 5.4 million

 

Actioning Approximately $15 million Annualized Run-Rate Fixed Cost Savings in Q4 2022

 

NEW YORK, NY, November 10, 2022 – MoneyLion Inc. (“MoneyLion”) (NYSE: ML), the go-to destination for personalized financial content, products and advice, today announced financial results for the third quarter ended September 30, 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.

 

“In the third quarter, we delivered another quarter of record results,” said Dee Choubey, co-founder and CEO of MoneyLion. “We reported our seventh consecutive quarter of triple-digit Adjusted Revenue growth, while further improving our Adjusted EBITDA margin for the third consecutive quarter.”

 

Choubey continued, “In a challenging and complex macroeconomic environment, we continue to execute quarter after quarter, demonstrating the durability of our business model. We remain focused on optimizing our cost structure and focusing our investments on high-quality areas of our business that position us to take market share for the long run. As we look ahead, the resiliency of our business and our visibility into our path to profitability gives us confidence in our ability to position the company for profitable growth in 2023.”

 

“Our record third quarter Adjusted Revenue was in line with our guidance. While macroeconomic conditions have led to an increase in consumer demand for financial products, it has also led to a reduction in advertising spend across the industry in which our Enterprise customers operate. As a result, we are revising our full-year 2022 guidance and the timing of our Adjusted EBITDA breakeven target. We now expect full-year 2022 Adjusted Revenue of $320-$330 million and Adjusted EBITDA of ($70) - ($65) million. Despite these industry-wide headwinds, we continue to believe our balance sheet provides more than adequate runway through our near-term profitability and future growth goals,” said Rick Correia, MoneyLion’s Chief Financial Officer.

 

 

 

 

Financial Results (1)*

 

   Three Months Ended
September 30,		 
(in thousands)  2022   2021   % Change 
GAAP            
Total revenues, net  $88,748   $44,217    101%
Gross profit   49,126    26,957    82%
Net income (loss)   (21,017)   (24,645)   — 
                
Non-GAAP               
Adjusted Revenue  $85,275   $41,978    103%
Adjusted Gross Profit   49,126    26,951    82%
Adjusted EBITDA   (14,346)   (20,474)   — 
                
(in millions)               
Key Operating Metrics               
Total Customers   5.4    2.7    101%
Total Products   11.3    6.9    63%
Total Originations  $446   $274    63%

 

Total revenues, net increased 101% to $88.7 million for the third quarter of 2022 compared to the third quarter of 2021. Adjusted Revenue increased 103% to $85.3 million for the third quarter of 2022 compared to the third quarter of 2021.

 

Gross profit increased 82% to $49.1 million for the third quarter of 2022 compared to the third quarter of 2021. Adjusted Gross Profit increased 82% to $49.1 million for the third quarter of 2022 compared to the third quarter of 2021.

 

MoneyLion recorded a net loss of $21.0 million for the third quarter of 2022 versus a loss of $24.6 million in the third quarter of 2021. Adjusted EBITDA was ($14.3) million for the third quarter of 2022 versus ($20.5) million in the third quarter of 2021, when adjusted for the following non-operating costs:

 

   Three Months Ended
September 30,		 
   2022   2021 
   (in thousands) 
Net income (loss)  $(21,017)  $(24,645)
Add back:          
Interest related to corporate debt   2,896    1,627 
Income tax expense (benefit)   53    (1)
Depreciation and amortization expense   6,157    486 
Changes in fair value of warrant liability   (414)   5,495 
Changes in fair value of subordinated convertible notes   -    (7,684)
Change in fair value of contingent consideration from mergers and acquisitions   (10,214)   - 
Stock-based compensation expense   5,127    586 
One-time expenses   3,068    7,183 
Less:          
Origination financing cost of capital   -    (3,520)
Adjusted EBITDA  $(14,346)  $(20,474)

 

2

 

 

Customer, Origination and Product Growth

 

Total Customers grew 101% year-over-year to 5.4 million for the third quarter of 2022. Total Products of 11.3 million was up 63% year-over-year for the third quarter of 2022. Total Originations grew 63% year-over-year to $446 million for the third quarter of 2022.

 

2022 Financial Guidance:

 

For the full year 2022, MoneyLion expects:

 

●Adjusted Revenue of approximately $320 to $330 million

 

●Adjusted Gross Profit margin of 55% to 60%
   
●Adjusted EBITDA of approximately ($70) to ($65) 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 quarterly closing procedures and review by MoneyLion’s independent registered public accounting firm.

 

Conference Call

 

MoneyLion will hold a conference call today at 8:30 a.m. ET to discuss its third quarter 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 third quarter 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 the go-to destination for personalized financial content, products and advice. MoneyLion’s mission is to rewire the financial system to positively change the path of every hard-working American. MoneyLion uses its proprietary data advantage and technology to empower its customers. MoneyLion engages and educates its customers with daily, hyper-personalized money-related and money-adjacent content that is delivered through each customer’s own content feed. MoneyLion provides its customers a full suite of financial and non-financial solutions, bundling its proprietary, low-cost financial products with products that are offered through its marketplace technology and network affiliate partners. MoneyLion also leverages its distinct data, technology, and network advantages to deliver leading embedded finance and marketplace solutions for enterprise customers. Since its founding in 2013, MoneyLion has empowered millions of Americans to take control of their finances and live their best financial life, every day.

 

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

 

3

 

 

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, including the COVID-19 pandemic; intense and increasing competition in the industries in which MoneyLion and its subsidiaries, including Malka Media Group LLC (“MALKA”) and Even Financial Inc. (“Even Financial”), operate, and demand for and consumer confidence in MoneyLion’s products and services, including as a result of any adverse publicity concerning MoneyLion; 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 reliance on third parties to provide services; MoneyLion’s ability to service loans or advances properly and the performance of the loans and other receivables originated through MoneyLion’s platform; MoneyLion’s ability to 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 success in retaining or recruiting, or changing as required, its officers, key employees and directors, including its and MALKA’s ability to retain content creators; MoneyLion’s ability to comply with the extensive and evolving laws and regulations applicable to its business; risks related to the proper functioning of MoneyLion’s IT systems and data storage, including as a result of cyberattacks and other security breaches or disruptions suffered by MoneyLion or third parties upon which it relies; MoneyLion’s ability to protect its intellectual property rights; MoneyLion’s ability to comply with laws and regulations applicable to its business and the outcome of any legal or governmental proceedings that are or may in the future be instituted against MoneyLion; MoneyLion’s ability to establish and maintain an effective system of internal controls over financial reporting; and 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. 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. 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.

 

4

 

 

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, 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.

 

Enterprise Partners: Composed of Product Partners and Channel Partners. Product Partners are financial institutions and financial service providers. 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.

 

5

 

 

MONEYLION, INC AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS
(dollar amounts in thousands)

 

   Three Months Ended
September 30,		   Nine Months Ended
September 30,		 
   2022   2021   2022   2021 
Revenue                
Service and subscription revenue  $86,397   $41,923   $238,366   $109,810 
Net interest income on loan receivables   2,351    2,294    7,436    5,717 
Total revenue, net   88,748    44,217    245,802    115,527 
Operating expenses                    
Provision for credit losses on consumer receivables   27,428    15,238    77,453    36,644 
Compensation and benefits   25,619    15,471    74,160    30,700 
Marketing   6,954    13,531    27,847    27,060 
Direct costs   28,837    10,885    79,427    31,331 
Professional services   7,546    4,678    21,486    12,715 
Technology-related costs   5,327    1,498    15,241    5,954 
Other operating expenses   11,209    8,261    31,820    10,618 
Total operating expenses   112,920    69,562    327,434    155,022 
Net loss before other (expense) income and income taxes   (24,172)   (25,345)   (81,632)   (39,495)
Interest expense   (7,880)   (1,627)   (21,638)   (4,947)
Change in fair value of warrant liability   414    (5,495)   7,275    (54,285)
Change in fair value of subordinated convertible notes   —    7,684    —    (41,877)
Change in fair value of contingent consideration from mergers and acquisitions   10,214    —    14,034    — 
Other income (expense)   460    137    (447)   3,405 
Net loss before income taxes   (20,964)   (24,646)   (82,408)   (137,199)
Income tax expense (benefit)   53    (1)   (28,348)   41 
Net loss  $(21,017)  $(24,645)  $(54,060)  $(137,240)

 

6

 

 

MONEYLION, INC AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(dollar amounts in thousands)

 

   September 30,   December 31, 
   2022   2021 
Assets        
Cash  $126,369   $201,763 
Restricted cash, including amounts held by variable interest entities (VIEs) of $61,260 and $39,396   62,840    44,461 
Consumer receivables   152,718    153,741 
Allowance for credit losses on consumer receivables   (22,633)   (22,323)
Consumer receivables, net, including amounts held by VIEs of $101,981 and $92,796   130,085    131,418 
Enterprise receivables   20,825    6,002 
Property and equipment, net   2,896    1,801 
Intangible assets, net   205,670    25,124 
Goodwill   161,261    52,541 
Other assets   48,854    28,428 
Total assets  $758,800   $491,538 
Liabilities and Stockholders’ Equity          
Liabilities:          
Secured loans  $88,508   $43,591 
Accounts payable and accrued liabilities   54,049    36,868 
Warrant liability   985    8,260 
Other debt, including amounts held by VIEs of $153,137 and $143,000   153,137    143,000 
Other liabilities   60,051    38,135 
Total liabilities   356,730    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 September 30, 2022 and December 31, 2021, respectively, 25,655,579 shares issued and outstanding as of September 30, 2022 and 0 shares issued and outstanding as of December 31, 2021   173,142    — 
Stockholders’ equity:          
Class A Common Stock, $0.0001 par value; 2,000,000,000 shares authorized as of September 30, 2022 and December 31, 2021, 254,337,896 and 253,367,896 issued and outstanding, respectively, as of September 30, 2022 and 231,452,448 and 230,482,448 issued and outstanding, respectively, as of December 31, 2021   25    23 
Additional paid-in capital   761,576    701,234 
Accumulated deficit   (522,973)   (469,873)
Treasury stock at cost, 970,000 shares at September 30, 2022 and December 31, 2021   (9,700)   (9,700)
Total stockholders’ equity   228,928    221,684 
Total liabilities, redeemable convertible preferred stock and stockholders’ equity  $758,800   $491,538 

 

7

 

 

MONEYLION, INC AND SUBSIDIARIES

RECONCILIATION OF REVENUE TO ADJUSTED REVENUE

(dollar amounts in thousands)

 

   Three Months Ended
September 30,		   Nine Months Ended
September 30,		 
   2022   2021   2022   2021 
Total revenues, net  $88,748   $44,217   $245,802   $115,527 
Add back:                    
Amortization of loan origination costs   335    464    802    1,039 
Less:                    
Provision for credit losses on receivables - subscription receivables   (1,256)   (1,025)   (4,018)   (2,204)
Provision for credit losses on receivables - fees receivables   (2,553)   (1,671)   (6,758)   (3,563)
Revenue derived from products that have been phased out   (0)   (6)   (21)   119 
Adjusted Revenue  $85,275   $41,978   $235,808   $110,917 

 

MONEYLION, INC AND SUBSIDIARIES

RECONCILIATION OF REVENUE TO ADJUSTED GROSS PROFIT

(dollar amounts in thousands)

 

   Three Months Ended
September 30,		   Nine Months Ended
September 30,		 
   2022   2021   2022   2021 
Total revenue, net  $88,748   $44,217   $245,802   $115,527 
Less:                    
Cost of Sales                    
Direct costs   (28,837)   (10,885)   (79,427)   (31,331)
Provision for credit losses on receivables - subscription receivables   (1,256)   (1,025)   (4,018)   (2,204)
Provision for credit losses on receivables - fees receivables   (2,553)   (1,671)   (6,758)   (3,563)
Technology related costs   (2,410)   (1,633)   (7,396)   (4,493)
Professional services   (1,665)   (978)   (3,850)   (2,460)
Compensation and benefits   (2,780)   (1,015)   (6,451)   (2,805)
Other operating expenses   (121)   (54)   (344)   (163)
Gross Profit  $49,126   $26,957   $137,559   $68,506 
Less:                    
Revenue derived from products that have been phased out   (0)   (6)   (21)   119 
Adjusted Gross Profit  $49,126   $26,951   $137,538   $68,625 

 

8

 

 

MONEYLION, INC AND SUBSIDIARIES

RECONCILIATION OF NET INCOME (LOSS) TO ADJUSTED EBITDA

(dollar amounts in thousands)

 

   Three Months Ended
September 30,		   Nine Months Ended
September 30,		 
   2022   2021   2022   2021 
Net income (loss)  $(21,017)  $(24,645)  $(54,060)  $(137,240)
Add back:                    
Interest related to corporate debt   2,896    1,627    6,937    4,947 
Income tax expense (benefit)   53    (1)   (28,348)   41 
Depreciation and amortization expense   6,157    486    15,584    1,502 
Changes in fair value of warrant liability   (414)   5,495    (7,275)   54,285 
Changes in fair value of subordinated convertible notes   -    (7,684)   -    41,877 
Change in fair value of contingent consideration from mergers and acquisitions   (10,214)   -    (14,034)   - 
Stock-based compensation expense   5,127    586    13,643    2,425 
One-time expenses   3,068    7,183    9,887    6,247 
Less:                    
Origination financing cost of capital   -    (3,520)   -    (9,364)
Adjusted EBITDA  $(14,346)  $(20,474)  $(57,669)  $(35,280)

 

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
Nov. 10, 2022
Document Type 8-K
Amendment Flag false
Document Period End Date Nov. 10, 2022
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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