MoneyLion Results Presentation Deck
GAAP Consolidated Statement of Operations
Q1 2022 includes a full quarter impact from the acquisition of MALKA and about a half quarter impact from the
acquisition of Even Financial; minimal impact to Provision and Marketing expenses
($ in millions)
Revenue
Service and subscription revenue
Net interest income on loan receivables
Total revenue, net
Operating expenses
Provision for credit losses on consumer receivables
Compensation and benefits
Marketing
Direct costs
Professional services
Technology related costs
Other operating expenses
Total operating expenses
Net income (loss) before other (expense) income and
income taxes
Other (expense) income
Interest expense
Change in fair value of warrant liability
Change in fair value of convertible notes
Change in fair value of contingent consideration
from mergers and acquisitions
Q2 2020
16.2
0.8
16.9
(0.0)
5.0
1.6
4.9
1.3
1.8
0.5
15.0
1.9
(0.8)
FY 2020
Q3 2020
0.1
1.2
21.4
1.7
23.1
10.5
4.7
2.9
5.5
1.9
2.0
0.5
28.0
(4.9)
(0.9)
0.2
Q4 2020
0.1
(5.5)
21.8
0.7
22.5
6.7
8.5
3.7
7.6
3.9
2.3
1.1
33.8
(11.2)
(0.6)
(14.6)
(4.0)
Q1 2021
0.0
(30.5)
0.0
(30.5)
31.5
1.7
33.1
5.7
7.1
4.4
9.9
3.6
2.2
1.1
33.9
(0.8)
(1.5)
(31.2)
(39.9)
FY 2021
Q2 2021
36.4
1.8
38.2
15.7
8.2
9.2
10.5
4.5
2.3
1.3
51.6
(13.4)
(1.8)
(17.6)
(9.6)
Q3 2021
41.9
2.3
44.2
15.2
15.5
13.5
10.9
4.7
1.5
8.3
69.6
(25.3)
(1.6)
(5.5)
7.7
Q4 2021
0.1
(24.6)
(0.0)
(24.6)
54.3
1.3
55.5
24.1
15.0
16.1
12.8
7.1
3.3
11.0
89.4
(33.8)
(6.2)
Other (expense) income
0.0
3.2
0.1
(27.6)
Net income (loss) before income taxes
(73.4)
(39.2)
0.0
0.0
0.0
Income tax expense (benefit)
Net income (loss)
Note: 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.
1.2
(5.5)
(73.4)
(39.2)
(27.6)
(2.3)
14.7
FY 2022
Q1 2022
67.1
2.6
69.7
23.0
22.0
11.6
21.2
7.3
4.5
10.8
100.4
(30.7)
(6.2)
3.9
(0.7)
(0.9)
(34.6)
(34.7)
0.1
10⁰
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