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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM EBIT Multiple | -20.4x - -22.5x | -21.4x |
| Selected Fwd EBIT Multiple | 33.7x - 37.2x | 35.5x |
| Fair Value | $27.68 - $31.38 | $29.53 |
| Upside | -28.5% - -18.9% | -23.7% |
| Benchmarks | Ticker | Full Ticker |
| MoneyLion Inc. | ML | NYSE:ML |
| Dave Inc. | DAVE | NasdaqGM:DAVE |
| LendingClub Corporation | LC | NYSE:LC |
| Katapult Holdings, Inc. | KPLT | NasdaqGM:KPLT |
| Encore Capital Group, Inc. | ECPG | NasdaqGS:ECPG |
| Upstart Holdings, Inc. | UPST | NasdaqGS:UPST |
| - | - | - |
| Select LTM EBIT Multiple | |||||||
| Benchmark Companies | |||||||
| ML | DAVE | LC | KPLT | ECPG | UPST | ||
| NYSE:ML | NasdaqGM:DAVE | NYSE:LC | NasdaqGM:KPLT | NasdaqGS:ECPG | NasdaqGS:UPST | ||
| Historical EBIT Growth | |||||||
| 5Y CAGR | NM- | 81.1% | -21.5% | 103.6% | -9.6% | NM- | |
| 3Y CAGR | NM- | NM- | -9.9% | 5.6% | -24.1% | NM- | |
| Latest Twelve Months | 598.6% | 182.0% | 11.1% | 100.7% | 1.1% | 40.3% | |
| Historical EBIT Profit Margin | |||||||
| 5 Year Average Margin | -16.6% | -26.7% | 7.2% | 6.6% | 31.4% | -10.3% | |
| Prior Fiscal Year | -1.3% | -16.3% | 5.2% | 4.6% | 22.4% | -40.4% | |
| Latest Fiscal Year | 4.9% | 10.0% | 5.7% | 8.3% | 21.0% | -19.6% | |
| Latest Twelve Months | 4.9% | 10.0% | 5.7% | 8.3% | 21.0% | -19.6% | |
| Current Trading Multiples | |||||||
| EV / LTM Revenue | 1.76x | 2.95x | 0.05x | 0.61x | 3.27x | 6.46x | |
| EV / LTM EBITDA | 18.4x | 29.0x | 0.5x | 0.9x | 13.9x | -39.1x | |
| EV / LTM EBIT | 36.1x | 29.6x | 0.9x | 7.3x | 15.6x | -33.0x | |
| Low | Mid | High | |||||
| Benchmark EV / LTM EBIT | 0.9x | 15.6x | 36.1x | ||||
| Historical EV / LTM EBIT | -33.0x | 119.6x | 196.2x | ||||
| Selected EV / LTM EBIT | -20.4x | -21.4x | -22.5x | ||||
| (x) LTM EBIT | (132) | (132) | (132) | ||||
| (=) Implied Enterprise Value | 2,695 | 2,837 | 2,979 | ||||
| (-) Non-shareholder Claims * | (703) | (703) | (703) | ||||
| (=) Equity Value | 1,992 | 2,134 | 2,276 | ||||
| (/) Shares Outstanding | 93.7 | 93.7 | 93.7 | ||||
| Implied Value Range | 21.26 | 22.78 | 24.29 | ||||
| FX Rate: USD/USD | 1.0 | 1.0 | 1.0 | Market Price | |||
| Implied Value Range (Trading Cur) | 21.26 | 22.78 | 24.29 | 38.69 | |||
| Upside / (Downside) | -45.0% | -41.1% | -37.2% | ||||
| Equity Waterfall | |||||||
| Benchmark Companies | |||||||
| (in millions) | ML | DAVE | LC | KPLT | ECPG | UPST | |
| Enterprise Value | 971 | 1,025 | (2,975) | 150 | 4,356 | 4,329 | |
| (+) Cash & Short Term Investments | 140 | 90 | 954 | 3 | 200 | 795 | |
| (+) Investments & Other | 0 | 0 | 3,118 | 0 | 0 | 41 | |
| (-) Debt | (132) | (76) | (29) | (113) | (3,761) | (1,540) | |
| (-) Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | |
| (-) Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | |
| (-) Other | 0 | 0 | 0 | 0 | 0 | 0 | |
| Value of Common Equity | 979 | 1,040 | 1,069 | 40 | 795 | 3,626 | |
| (/) Shares Outstanding | 11.3 | 13.1 | 113.4 | 4.5 | 23.7 | 93.7 | |
| Implied Stock Price | 86.50 | 79.39 | 9.43 | 9.02 | 33.54 | 38.69 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 86.50 | 79.39 | 9.43 | 9.02 | 33.54 | 38.69 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |