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

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

Volatility and Risk

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

Earnings & Valuation

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

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

MoneyLion has higher revenue and earnings than TeraWulf.

Insider and Institutional Ownership

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

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%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for TeraWulf and MoneyLion, as provided 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 68.59%. MoneyLion has a consensus price target of $66.60, suggesting a potential downside of 3.14%. Given TeraWulf’s higher probable upside, equities analysts plainly believe TeraWulf is more favorable than MoneyLion.

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.