Analyzing MoneyLion (NYSE:ML) & Greystone Housing Impact Investors (NYSE:GHI)

MoneyLion (NYSE:ML) and Greystone Housing Impact Investors (NYSE:GHI) 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 institutional ownership, risk, valuation, dividends, analyst recommendations, earnings and profitability.

Analyst Recommendations

This is a breakdown of recent ratings for MoneyLion and Greystone Housing Impact Investors, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
MoneyLion	0	2	4	2	3.00
Greystone Housing Impact Investors	0	0	4	0	3.00

MoneyLion currently has a consensus target price of $100.00, indicating a potential upside of 16.09%. Greystone Housing Impact Investors has a consensus target price of $17.38, indicating a potential upside of 62.69%. Given Greystone Housing Impact Investors’ higher possible upside, analysts plainly believe Greystone Housing Impact Investors is more favorable than MoneyLion.

Profitability

This table compares MoneyLion and Greystone Housing Impact Investors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
MoneyLion	0.64%	1.18%	0.61%
Greystone Housing Impact Investors	17.55%	2.46%	0.55%

Volatility & Risk

MoneyLion has a beta of 3.08, suggesting that its stock price is 208% more volatile than the S&P 500. Comparatively, Greystone Housing Impact Investors has a beta of 0.69, suggesting that its stock price is 31% less volatile than the S&P 500.

Earnings and Valuation

This table compares MoneyLion and Greystone Housing Impact Investors”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyLion	$500.28 million	1.91	-$45.24 million	$0.22	391.55
Greystone Housing Impact Investors	$36.57 million	6.80	$54.01 million	$0.62	17.23

Greystone Housing Impact Investors has lower revenue, but higher earnings than MoneyLion. Greystone Housing Impact Investors is trading at a lower price-to-earnings ratio than MoneyLion, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

31.4% of MoneyLion shares are held by institutional investors. Comparatively, 9.0% of Greystone Housing Impact Investors shares are held by institutional investors. 11.9% of MoneyLion shares are held by insiders. Comparatively, 1.3% of Greystone Housing Impact Investors shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

MoneyLion beats Greystone Housing Impact Investors on 7 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 Greystone Housing Impact Investors

Greystone Housing Impact Investors LP acquires, holds, sells, and deals in a portfolio of mortgage revenue bonds (MRBs) that are issued to provide construction and/or permanent financing for multifamily, student, and senior citizen housing; skilled nursing properties; and commercial properties in the United States. The company operates in four segments: Affordable Multifamily MRB Investments; Seniors and Skilled Nursing MRB Investments; MF Properties; Market-Rate Joint Venture Investments. It also invests in governmental issuer loans. The company was formerly known as America First Multifamily Investors, L.P. and changed its name to Greystone Housing Impact Investors LP in December 2022. Greystone Housing Impact Investors LP was incorporated in 1998 and is based in Omaha, Nebraska.