Critical Review: MoneyLion (NYSE:ML) versus BTC Digital (NASDAQ:BTCT)

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

Analyst Recommendations

This is a breakdown of current recommendations for MoneyLion and BTC Digital, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MoneyLion	0	0	5	0	3.00
BTC Digital	0	0	0	0	N/A

MoneyLion presently has a consensus price target of $101.00, suggesting a potential upside of 43.69%. Given MoneyLion’s higher possible upside, equities research analysts plainly believe MoneyLion is more favorable than BTC Digital.

Insider & Institutional Ownership

31.4% of MoneyLion shares are held by institutional investors. Comparatively, 7.3% of BTC Digital shares are held by institutional investors. 14.1% of MoneyLion shares are held by company insiders. Comparatively, 6.8% of BTC Digital shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares MoneyLion and BTC Digital’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyLion	$423.43 million	1.75	-$45.24 million	($2.90)	-24.24
BTC Digital	$11.83 million	0.35	-$2.82 million	N/A	N/A

BTC Digital has lower revenue, but higher earnings than MoneyLion.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
MoneyLion	-6.42%	-3.02%	-1.51%
BTC Digital	N/A	N/A	N/A

Risk and Volatility

MoneyLion has a beta of 2.74, indicating that its share price is 174% more volatile than the S&P 500. Comparatively, BTC Digital has a beta of -0.08, indicating that its share price is 108% less volatile than the S&P 500.

Summary

MoneyLion beats BTC Digital on 7 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 BTC Digital

BTC Digital Ltd. a crypto asset technology company engages in bitcoin mining business. It is also involved in mining machines resale and rental business. The company was formerly known as Meten Holding Group Ltd. and changed its name to BTC Digital Ltd. in August 2023. The company was founded in 2006 and is headquartered in Shenzhen, China.