MARQETA INC-A (MQ)
US57142B1044 - Common Stock
We assign a fundamental rating of 4 out of 10 to MQ. MQ was compared to 102 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.
1. Profitability
1.1 Basic Checks
MQ had negative earnings in the past year.
In the past year MQ had a positive cash flow from operations.
In the past 5 years MQ always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: MQ reported negative operating cash flow in multiple years.
1.2 Ratios
MQ has a worse Return On Assets (-14.03%) than 87.25% of its industry peers.
MQ's Return On Equity of -17.93% is on the low side compared to the rest of the industry. MQ is outperformed by 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -14.03% | ||
| ROE | -17.93% | ||
| 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
1.3 Margins
MQ has a better Gross Margin (48.74%) than 67.65% of its industry peers.
MQ's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for MQ so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 48.74% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.26%
GM growth 5YN/A
2. Health
2.1 Basic Checks
MQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MQ has been reduced compared to 1 year ago.
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.
2.2 Solvency
MQ has an Altman-Z score of 4.80. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
MQ has a Altman-Z score of 4.80. This is amongst the best in the industry. MQ outperforms 89.22% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 4.8 |
ROIC/WACCN/A
WACC9.27%
2.3 Liquidity
MQ has a Current Ratio of 4.13. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
MQ has a better Current ratio (4.13) than 91.18% of its industry peers.
MQ has a Quick Ratio of 4.13. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
MQ has a better Quick ratio (4.13) than 92.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.13 | ||
| Quick Ratio | 4.13 |
3. Growth
3.1 Past
The earnings per share for MQ have decreased strongly by -57.04% in the last year.
Looking at the last year, MQ shows a decrease in Revenue. The Revenue has decreased by -9.63% in the last year.
MQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.56% yearly.
EPS 1Y (TTM)-57.04%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-60%
Revenue 1Y (TTM)-9.63%
Revenue growth 3Y32.56%
Revenue growth 5YN/A
Revenue growth Q2Q-41.7%
3.2 Future
The Earnings Per Share is expected to grow by 15.70% on average over the next years. This is quite good.
Based on estimates for the next years, MQ will show a quite strong growth in Revenue. The Revenue will grow by 13.15% on average per year.
EPS Next Y19.65%
EPS Next 2Y17.27%
EPS Next 3Y20.52%
EPS Next 5Y15.7%
Revenue Next Year-21.72%
Revenue Next 2Y-1.2%
Revenue Next 3Y6.51%
Revenue Next 5Y13.16%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
MQ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year MQ is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
MQ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 337.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as MQ's earnings are expected to grow with 20.52% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y17.27%
EPS Next 3Y20.52%
5. Dividend
5.1 Amount
MQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MARQETA INC-A
NASDAQ:MQ (5/2/2024, 4:54:30 PM)
After market: 5.5998 +0.04 (+0.72%)5.56
+0.06 (+1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.86B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -14.03% | ||
| ROE | -17.93% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 48.74% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.13 | ||
| Quick Ratio | 4.13 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-57.04%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y19.65%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-9.63%
Revenue growth 3Y32.56%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y