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MARQETA INC-A (MQ) Stock Fundamental Analysis

NASDAQ:MQ - Nasdaq - US57142B1044 - Common Stock - Currency: USD

3.82  -0.1 (-2.55%)

After market: 3.82 0 (0%)

Fundamental Rating

5

Taking everything into account, MQ scores 5 out of 10 in our fundamental rating. MQ was compared to 101 industry peers in the Financial Services industry. No worries on liquidiy or solvency for MQ as it has an excellent financial health rating, but there are worries on the profitability. MQ is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MQ had positive earnings in the past year.
In the past year MQ had a positive cash flow from operations.
MQ had negative earnings in 4 of the past 5 years.
Of the past 5 years MQ 4 years had a positive operating cash flow.
MQ Yearly Net Income VS EBIT VS OCF VS FCFMQ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -100M -200M

1.2 Ratios

MQ's Return On Assets of 1.86% is in line compared to the rest of the industry. MQ outperforms 53.47% of its industry peers.
MQ has a Return On Equity of 2.51%. This is in the lower half of the industry: MQ underperforms 74.26% of its industry peers.
Industry RankSector Rank
ROA 1.86%
ROE 2.51%
ROIC N/A
ROA(3y)-7.53%
ROA(5y)-8.4%
ROE(3y)-9.32%
ROE(5y)-10.99%
ROIC(3y)N/A
ROIC(5y)N/A
MQ Yearly ROA, ROE, ROICMQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

The Profit Margin of MQ (5.38%) is worse than 63.37% of its industry peers.
Looking at the Gross Margin, with a value of 69.40%, MQ belongs to the top of the industry, outperforming 82.18% of the companies in the same industry.
MQ's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 5.38%
GM 69.4%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y15.71%
GM growth 5Y10.45%
MQ Yearly Profit, Operating, Gross MarginsMQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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9

2. Health

2.1 Basic Checks

MQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
MQ has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MQ has less shares outstanding
MQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MQ Yearly Shares OutstandingMQ Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
MQ Yearly Total Debt VS Total AssetsMQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

MQ has an Altman-Z score of 3.30. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
MQ's Altman-Z score of 3.30 is amongst the best of the industry. MQ outperforms 88.12% of its industry peers.
MQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.3
ROIC/WACCN/A
WACC8.98%
MQ Yearly LT Debt VS Equity VS FCFMQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 3.37 indicates that MQ has no problem at all paying its short term obligations.
MQ's Current ratio of 3.37 is amongst the best of the industry. MQ outperforms 87.13% of its industry peers.
MQ has a Quick Ratio of 3.37. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
MQ has a better Quick ratio (3.37) than 88.12% of its industry peers.
Industry RankSector Rank
Current Ratio 3.37
Quick Ratio 3.37
MQ Yearly Current Assets VS Current LiabilitesMQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 111.79% over the past year.
MQ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.01%.
Measured over the past years, MQ shows a very strong growth in Revenue. The Revenue has been growing by 28.75% on average per year.
EPS 1Y (TTM)111.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
Revenue 1Y (TTM)-25.01%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%14.28%

3.2 Future

The Earnings Per Share is expected to decrease by -3.80% on average over the next years.
MQ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.13% yearly.
EPS Next Y-463.07%
EPS Next 2Y-89.33%
EPS Next 3Y-45.17%
EPS Next 5Y-3.8%
Revenue Next Year18.23%
Revenue Next 2Y19.46%
Revenue Next 3Y19.71%
Revenue Next 5Y17.13%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
MQ Yearly Revenue VS EstimatesMQ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 500M 1B 1.5B
MQ Yearly EPS VS EstimatesMQ Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 0.2 -0.2 0.4 -0.4

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 76.40, which means the current valuation is very expensive for MQ.
MQ's Price/Earnings ratio is a bit more expensive when compared to the industry. MQ is more expensive than 79.21% of the companies in the same industry.
MQ is valuated expensively when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
MQ is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 76.4
Fwd PE N/A
MQ Price Earnings VS Forward Price EarningsMQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40 60

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as MQ.
Industry RankSector Rank
P/FCF 52.13
EV/EBITDA N/A
MQ Per share dataMQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2

4.3 Compensation for Growth

A cheap valuation may be justified as MQ's earnings are expected to decrease with -45.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-89.33%
EPS Next 3Y-45.17%

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0

5. Dividend

5.1 Amount

MQ does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MARQETA INC-A

NASDAQ:MQ (4/17/2025, 8:00:00 PM)

After market: 3.82 0 (0%)

3.82

-0.1 (-2.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26 2025-02-26/amc
Earnings (Next)05-07 2025-05-07/amc
Inst Owners76.93%
Inst Owner Change0%
Ins Owners5.1%
Ins Owner Change8.36%
Market Cap1.93B
Analysts75
Price Target5.16 (35.08%)
Short Float %2.66%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.17%
Min EPS beat(2)-7.87%
Max EPS beat(2)7.54%
EPS beat(4)3
Avg EPS beat(4)10.93%
Min EPS beat(4)-7.87%
Max EPS beat(4)34.88%
EPS beat(8)4
Avg EPS beat(8)-1.3%
EPS beat(12)7
Avg EPS beat(12)9.32%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-3.29%
Max Revenue beat(2)-0.69%
Revenue beat(4)0
Avg Revenue beat(4)-1.59%
Min Revenue beat(4)-3.29%
Max Revenue beat(4)-0.2%
Revenue beat(8)3
Avg Revenue beat(8)1.2%
Revenue beat(12)5
Avg Revenue beat(12)0.92%
Revenue beat(16)8
Avg Revenue beat(16)2.81%
PT rev (1m)1.15%
PT rev (3m)-3.79%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)8.24%
EPS NY rev (1m)-1%
EPS NY rev (3m)-0.52%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)1.75%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)2.21%
Valuation
Industry RankSector Rank
PE 76.4
Fwd PE N/A
P/S 3.8
P/FCF 52.13
P/OCF 33.12
P/B 1.78
P/tB 2.07
EV/EBITDA N/A
EPS(TTM)0.05
EY1.31%
EPS(NY)-0.18
Fwd EYN/A
FCF(TTM)0.07
FCFY1.92%
OCF(TTM)0.12
OCFY3.02%
SpS1.01
BVpS2.15
TBVpS1.85
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.86%
ROE 2.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.38%
GM 69.4%
FCFM 7.29%
ROA(3y)-7.53%
ROA(5y)-8.4%
ROE(3y)-9.32%
ROE(5y)-10.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y15.71%
GM growth 5Y10.45%
F-Score7
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 121.49%
Cap/Sales 4.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.44%
Current Ratio 3.37
Quick Ratio 3.37
Altman-Z 3.3
F-Score7
WACC8.98%
ROIC/WACCN/A
Cap/Depr(3y)113.7%
Cap/Depr(5y)97.34%
Cap/Sales(3y)2.19%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)111.79%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
EPS Next Y-463.07%
EPS Next 2Y-89.33%
EPS Next 3Y-45.17%
EPS Next 5Y-3.8%
Revenue 1Y (TTM)-25.01%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%14.28%
Revenue Next Year18.23%
Revenue Next 2Y19.46%
Revenue Next 3Y19.71%
Revenue Next 5Y17.13%
EBIT growth 1Y91.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year246.16%
EBIT Next 3Y80.65%
EBIT Next 5Y68.48%
FCF growth 1Y337.22%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y175.64%
OCF growth 3Y0.7%
OCF growth 5YN/A