As of Q1 2026, MoneyLion has facilitated over 20 million products consumed on its platform and works with an enterprise partner network of 1,100+ financial institutions. MoneyLion operates a freemium marketplace that earns lead-generation fees, premium memberships, and partner-driven revenue, supporting gross margins near 60%—well above traditional retail banks. MoneyLion's strategic advantage is its deep integration into the Gen Digital ecosystem, providing immediate access to Gen Digital's global customer base of over 40.4 million direct customers from brands like Norton and LifeLock.
Cyborg Score Rationale
MoneyLion achieved a net income of $9 million in 2024, an impressive turnaround from prior-year losses. The company faces regulatory headwinds from CFPB oversight on Instacash-style products, with compliance spend and legal risk expected to increase, though generative AI offers potential operational efficiency gains. Integration with Gen Digital's massive customer base creates significant cross-sell opportunities and a low-cost acquisition channel.
Top Insights
MoneyLion posted record $545.91 million in revenue in 2024 (a 29% year-over-year increase) and a net income of $9.15 million, becoming a wholly owned subsidiary of Gen Digital following its April 17, 2025 NYSE delisting
Post-acquisition, MoneyLion's pro forma revenue growth hit 45% year-over-year, with its AI-driven financial marketplace delivering 50% growth for the third consecutive quarter
The core customer is the U.S. middle-market consumer (annual income $50k-$100k), with strong penetration in sub-prime and near-prime credit cohorts
MoneyLion has been recognized by TIME as one of the 2026 Best Financial Services providers in both Loans and Personal Finance
Named Competitors
SoFi — Digital banking, lending, and investment platform for millennials and Gen Z
Avant — Online lending platform for personal loans and credit products
Best Egg — Personal loan marketplace and financial services platform
EarnIn — Earned wage access and financial wellness platform
Recent Developments
(April 2025) Delisted from NYSE and became wholly owned subsidiary of Gen Digital Inc. following shareholder-approved merger
(Q1 2026) Platform facilitated over 20 million products with 1,100+ enterprise partners in active operation
(Late 2025) Achieved 50% growth in AI-driven financial marketplace for the third consecutive quarter
(June 2026) Recognized by TIME as one of the Best Financial Services providers for Loans and Personal Finance
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