MoneyLion Results Presentation Deck
Financial Summary
Core and emerging businesses driving growth and profitability
(in millions, unless otherwise stated)
Adjusted Revenue by Type
Fees
Payments
Advice
Interest
Adjusted Revenue (1)
Adjusted Gross Profit (2)
Adjusted EBITDA (7)
Adjusted Net Income (6)
Total Originations (4)
Provision as % of Originations (8)
Q1 2020
$11.5
1.5
0.7
0.8
$14.4
$5.0
($6.8)
($7.7)
$62
4.9%
Q2 2020
$13.6
1.6
0.6
1.2
$17.0
$8.7
$1.2
$0.1
$77
(0.6%)
FY 2020
Q3 2020 Q4 2020
$15.4
1.4
0.7
1.6
$19.2
$10.6
($6.3)
($7.5)
$117
5.7%
$20.5
2.1
1.4
1.5
$25.5
$14.2
($14.1)
$155
5.7%
2020
($13.2) ($25.0)
$61.0
6.6
3.4
5.2
$76.1
$38.6
19
($29.1)
$410
4.4%
Q1 2021
$25.5
3.8
1.3
1.9
$32.5
$19.4
($1.2)
($3.2)
$189
2.6%
Q2 2021
$28.0
3.7
2.5
2.3
$36.4
$22.3
($16.0)
FY 2021
Q3 2021
$237
5.7%
$32.8
3.0
3.4
2.8
$42.0
($13.6) ($20.5)
$27.0
Q4 2021
$274
4.6%
$38.7
3.2
9.4
2.7
$54.0
$35.6
($31.9)
($22.6) ($34.0)
$386
5.5%
One-time transaction related expenses and variable costs driven by outperformance reduce Q3 and Q4 2021 profitability,
however, creates strong momentum heading into 2022
Note: Adjusted Revenue, Adjusted Gross Profit, Adjusted EBITDA and Adjusted Net Income are non-GAAP measures. See the Appendix for a reconciliation of these measures to their nearest GAAP
equivalents. See "Footnotes" section for detailed footnotes and definitions.
Q4 & FY 2021 Earnings
2021
$125.1
13.6
16.6
9.6
$164.9
$104.3
($67.2)
($75.8)
$1.1 B
4.8%View entire presentation