Contrasting MoneyLion (NYSE:ML) and TeraWulf (NASDAQ:WULF)

TeraWulf (NASDAQ:WULF) and MoneyLion (NYSE:ML) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, analyst recommendations, institutional ownership and dividends.

Valuation and Earnings

This table compares TeraWulf and MoneyLion’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TeraWulf	$69.23 million	10.56	-$73.42 million	N/A	N/A
MoneyLion	$423.43 million	1.77	-$45.24 million	($4.79)	-14.91

MoneyLion has higher revenue and earnings than TeraWulf.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
TeraWulf	-106.06%	-47.25%	-22.44%
MoneyLion	-10.69%	-11.19%	-4.59%

Institutional and Insider Ownership

62.5% of TeraWulf shares are owned by institutional investors. Comparatively, 31.4% of MoneyLion shares are owned by institutional investors. 24.9% of TeraWulf shares are owned by insiders. Comparatively, 14.1% of MoneyLion shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for TeraWulf and MoneyLion, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TeraWulf	0	0	7	0	3.00
MoneyLion	0	0	5	0	3.00

TeraWulf presently has a consensus price target of $3.66, suggesting a potential upside of 51.17%. MoneyLion has a consensus price target of $66.60, suggesting a potential downside of 6.72%. Given TeraWulf’s higher probable upside, equities analysts plainly believe TeraWulf is more favorable than MoneyLion.

Volatility & Risk

TeraWulf has a beta of 2.3, indicating that its stock price is 130% more volatile than the S&P 500. Comparatively, MoneyLion has a beta of 2.68, indicating that its stock price is 168% more volatile than the S&P 500.

Summary

MoneyLion beats TeraWulf on 6 of the 11 factors compared between the two stocks.

About TeraWulf

TeraWulf Inc., together with its subsidiaries, operates as a digital asset technology company in the United States. The company develops, owns, and operates bitcoin mining facilities in New York and Pennsylvania. It is also involved in the provision of miner hosting services to third-party entities. The company was founded in 2021 and is headquartered in Easton, Maryland.

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.