MoneyLion Investor Day Presentation Deck
Reconciliation to Non-GAAP Financials:
Adjusted EBITDA
($ millions)
Net income (loss) (GAAP)
Add back:
Interest expense related to corporate debt
Income tax expense (benefit)
Depreciation and amortization expense
Change in fair value of warrants
Charge in fair value of subordinated convertible notes
Change in fair value of contingent consideration from M&A
Stock-based compensation
One-time expenses
Less:
Origination financing cost of capital
Adjusted EBITDA (non-GAAP)
Adjusted EBITDA Margin
MoneyLion
FY 2020
Q4 2020
($30.4)
0.6
0.0
0.3
14.6
4.0
0.6
0.3
(3.2)
($13.1)
(52%)
Q1 2021
($73.4)
1.5
0.0
0.5
31.2
39.9
0.5
1.3
(2.8)
($1.2)
(4%)
FY 2021
Q2 2021
($39.2)
1.8
0.0
0.5
17.6
9.6
1.3
(2.2)
(3.1)
($13.6)
(37%)
Q3 2021
($24.6)
1.6
(0.0)
0.5
5.5
(7.7)
0.6
7.2
(3.5)
($20.5)
(49%)
Q4 2021
($32.2)
1.2
0.0
0.9
(14.7)
10.8
2.6
2.8
(3.4)
($31.9)
(59%)
Q1 2022
($10.0)
1.4
(28.4)
3.4
(3.9)
4.7
3.3
4.8
($24.8)
(37%)
FY 2022
Q2 2022
($23.1)
2.7
0.0
6.0
(3.0)
(8.5)
5.2
2.0
($18.5)
(22%)
Q3 2022
($21.0)
2.9
0.1
6.2
(0.4)
(10.2)
5.1
3.1
($14.3)
(17%)
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