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MARQETA INC-A (MQ) Stock Fundamental Analysis

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

3.92  +0.08 (+2.08%)

After market: 3.92 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to MQ. MQ was compared to 101 industry peers in the Financial Services industry. MQ has a great financial health rating, but its profitability evaluates not so good. MQ is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year MQ was profitable.
MQ had a positive operating cash flow in the past year.
In the past 5 years MQ always reported negative net income.
In multiple years MQ reported negative operating cash flow during the last 5 years.
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 0 -100M -200M

1.2 Ratios

MQ has a Return On Assets (0.98%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 1.28%, MQ is doing worse than 70.30% of the companies in the same industry.
Industry RankSector Rank
ROA 0.98%
ROE 1.28%
ROIC N/A
ROA(3y)-11.14%
ROA(5y)-13.98%
ROE(3y)-13.63%
ROE(5y)-19.97%
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 -10 -20 -30 -40

1.3 Margins

MQ has a Profit Margin of 2.86%. This is in the lower half of the industry: MQ underperforms 68.32% of its industry peers.
The Gross Margin of MQ (68.75%) is better than 80.20% of its industry peers.
In the last couple of years the Gross Margin of MQ has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 2.86%
GM 68.75%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.26%
GM growth 5YN/A
MQ Yearly Profit, Operating, Gross MarginsMQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 20 -20 40 -40

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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.
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 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 500M 1B 1.5B

2.2 Solvency

MQ has an Altman-Z score of 3.63. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 3.63, MQ belongs to the best of the industry, outperforming 84.16% of the companies in the same industry.
There is no outstanding debt for MQ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.63
ROIC/WACCN/A
WACC16.13%
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 0 500M 1B 1.5B

2.3 Liquidity

MQ has a Current Ratio of 3.66. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
MQ has a better Current ratio (3.66) than 87.13% of its industry peers.
MQ has a Quick Ratio of 3.66. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 3.66, MQ belongs to the best of the industry, outperforming 88.12% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.66
Quick Ratio 3.66
MQ Yearly Current Assets VS Current LiabilitesMQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 500M 1B 1.5B

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5

3. Growth

3.1 Past

MQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 105.08%, which is quite impressive.
Looking at the last year, MQ shows a very negative growth in Revenue. The Revenue has decreased by -35.62% in the last year.
The Revenue has been growing by 32.56% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)105.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.31%
Revenue 1Y (TTM)-35.62%
Revenue growth 3Y32.56%
Revenue growth 5YN/A
Sales Q2Q%17.52%

3.2 Future

MQ is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.85% yearly.
Based on estimates for the next years, MQ will show a quite strong growth in Revenue. The Revenue will grow by 8.14% on average per year.
EPS Next Y106.54%
EPS Next 2Y25.54%
EPS Next 3Y19.89%
EPS Next 5Y12.85%
Revenue Next Year-24.66%
Revenue Next 2Y-6.74%
Revenue Next 3Y1.57%
Revenue Next 5Y8.14%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 2019 2020 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 196.00, which means the current valuation is very expensive for MQ.
78.22% of the companies in the same industry are cheaper than MQ, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of MQ to the average of the S&P500 Index (30.30), we can say MQ is valued expensively.
The Forward Price/Earnings Ratio is negative for MQ. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 196
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 50 100 150

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MQ is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 64.49
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MQ does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as MQ's earnings are expected to grow with 19.89% in the coming years.
PEG (NY)1.84
PEG (5Y)N/A
EPS Next 2Y25.54%
EPS Next 3Y19.89%

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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 (2/20/2025, 8:00:01 PM)

After market: 3.92 0 (0%)

3.92

+0.08 (+2.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)02-26 2025-02-26/amc
Inst Owners79.47%
Inst Owner Change-0.65%
Ins Owners4.64%
Ins Owner Change12.66%
Market Cap1.97B
Analysts74.78
Price Target5.22 (33.16%)
Short Float %3.17%
Short Ratio3.1
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)13.5%
Min EPS beat(2)-7.87%
Max EPS beat(2)34.88%
EPS beat(4)3
Avg EPS beat(4)11.28%
Min EPS beat(4)-7.87%
Max EPS beat(4)34.88%
EPS beat(8)4
Avg EPS beat(8)3.6%
EPS beat(12)7
Avg EPS beat(12)17.02%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.74%
Min Revenue beat(2)-3.29%
Max Revenue beat(2)-0.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.61%
Min Revenue beat(4)-3.29%
Max Revenue beat(4)3.22%
Revenue beat(8)3
Avg Revenue beat(8)1.04%
Revenue beat(12)6
Avg Revenue beat(12)1.77%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.72%
PT rev (3m)-28.93%
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)40.29%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.96%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-1.21%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 196
Fwd PE N/A
P/S 4.02
P/FCF 64.49
P/OCF 39.44
P/B 1.8
P/tB 2.09
EV/EBITDA N/A
EPS(TTM)0.02
EY0.51%
EPS(NY)-0.18
Fwd EYN/A
FCF(TTM)0.06
FCFY1.55%
OCF(TTM)0.1
OCFY2.54%
SpS0.98
BVpS2.18
TBVpS1.87
PEG (NY)1.84
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.98%
ROE 1.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.86%
GM 68.75%
FCFM 6.23%
ROA(3y)-11.14%
ROA(5y)-13.98%
ROE(3y)-13.63%
ROE(5y)-19.97%
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 3Y6.26%
GM growth 5YN/A
F-Score7
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 128.46%
Cap/Sales 3.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 217.67%
Current Ratio 3.66
Quick Ratio 3.66
Altman-Z 3.63
F-Score7
WACC16.13%
ROIC/WACCN/A
Cap/Depr(3y)99.07%
Cap/Depr(5y)104.93%
Cap/Sales(3y)0.97%
Cap/Sales(5y)1.43%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)105.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.31%
EPS Next Y106.54%
EPS Next 2Y25.54%
EPS Next 3Y19.89%
EPS Next 5Y12.85%
Revenue 1Y (TTM)-35.62%
Revenue growth 3Y32.56%
Revenue growth 5YN/A
Sales Q2Q%17.52%
Revenue Next Year-24.66%
Revenue Next 2Y-6.74%
Revenue Next 3Y1.57%
Revenue Next 5Y8.14%
EBIT growth 1Y84.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year108.62%
EBIT Next 3Y32.32%
EBIT Next 5Y21.73%
FCF growth 1Y22.45%
FCF growth 3Y-43.91%
FCF growth 5YN/A
OCF growth 1Y80.09%
OCF growth 3Y-25.12%
OCF growth 5YN/A