Head to Head Contrast: MoneyLion (NYSE:ML) versus TeraWulf (NASDAQ:WULF)

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

Analyst Ratings

This is a summary of recent recommendations for MoneyLion and TeraWulf, as reported by MarketBeat.com.

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

MoneyLion currently has a consensus price target of $66.60, suggesting a potential downside of 3.14%. TeraWulf has a consensus price target of $3.66, suggesting a potential upside of 68.59%. Given TeraWulf’s higher probable upside, analysts plainly believe TeraWulf is more favorable than MoneyLion.

Earnings and Valuation

This table compares MoneyLion and TeraWulf’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyLion	$423.43 million	1.71	-$45.24 million	($4.79)	-14.35
TeraWulf	$69.23 million	9.47	-$73.42 million	N/A	N/A

MoneyLion has higher revenue and earnings than TeraWulf.

Risk & Volatility

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

Profitability

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

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

Insider & Institutional Ownership

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

Summary

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

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.

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.