Comparing MoneyLion (NYSE:ML) and SAIHEAT (NASDAQ:SAIH)

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 companies based on the strength of their valuation, profitability, institutional ownership, earnings, dividends, risk and analyst recommendations.

Volatility and Risk

MoneyLion has a beta of 3.04, suggesting that its share price is 204% more volatile than the S&P 500. Comparatively, SAIHEAT has a beta of 1.77, suggesting that its share price is 77% more volatile than the S&P 500.

Institutional and Insider 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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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

Analyst Recommendations

This is a summary of current ratings and target prices for MoneyLion and SAIHEAT, as reported 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 target price of $92.83, suggesting a potential upside of 6.99%. Given MoneyLion’s stronger consensus rating and higher probable upside, analysts clearly believe MoneyLion is more favorable than SAIHEAT.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyLion	$545.91 million	1.80	-$45.24 million	$0.75	115.69
SAIHEAT	$6.95 million	0.53	-$6.12 million	N/A	N/A

SAIHEAT has lower revenue, but higher earnings than MoneyLion.

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.