MoneyLion (NYSE:ML) & SAIHEAT (NASDAQ:SAIH) Critical Survey

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

Insider & Institutional Ownership

31.4% of MoneyLion shares are owned by institutional investors. Comparatively, 0.2% of SAIHEAT shares are owned by institutional investors. 11.9% of MoneyLion shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares MoneyLion and SAIHEAT”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyLion	$545.91 million	1.77	-$45.24 million	$0.75	114.12
SAIHEAT	$6.95 million	0.55	-$6.12 million	N/A	N/A

SAIHEAT has lower revenue, but higher earnings than MoneyLion.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
MoneyLion	0.64%	1.18%	0.61%
SAIHEAT	N/A	N/A	N/A

Volatility & Risk

MoneyLion has a beta of 2.94, suggesting that its stock price is 194% more volatile than the S&P 500. Comparatively, SAIHEAT has a beta of 2.02, suggesting that its stock price is 102% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for MoneyLion and SAIHEAT, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MoneyLion	0	3	3	2	2.88
SAIHEAT	0	0	0	0	0.00

MoneyLion presently has a consensus price target of $92.83, indicating a potential upside of 8.46%. Given MoneyLion’s stronger consensus rating and higher possible upside, equities research analysts plainly believe MoneyLion is more favorable than SAIHEAT.

Summary

MoneyLion beats SAIHEAT on 12 of the 13 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 SAIHEAT

SAIHEAT Limited engages in the development of liquid-cooling data centers. It develops technologies for the advanced computing center ecosystem, a center that provides high-performance servers, liquid cooling, and systems for capturing and recycling computing heat. The company was formerly known as SAI.TECH Global Corporation and changed its name to SAIHEAT Limited in August 2024. SAIHEAT Limited was founded in 2019 and is headquartered in Singapore.