Overall MQ gets a fundamental rating of 4 out of 10. We evaluated MQ against 97 industry peers in the Financial Services industry. While MQ has a great health rating, there are worries on its profitability. MQ is valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year MQ has reported negative net income.
MQ had a positive operating cash flow in the past year.
In the past 5 years MQ reported 4 times negative net income.
MQ had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of MQ (-2.66%) is worse than 82.47% of its industry peers.
MQ has a worse Return On Equity (-4.71%) than 76.29% of its industry peers.

		Industry Rank	Sector Rank
ROA	-2.66%
ROE	-4.71%
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

1.3 Margins

The Gross Margin of MQ (70.60%) is better than 79.38% of its industry peers.
MQ's Gross Margin has improved in the last couple of years.
MQ does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	70.6%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y15.71%

GM growth 5Y10.45%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
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.

2.2 Solvency

MQ has an Altman-Z score of 1.72. This is a bad value and indicates that MQ is not financially healthy and even has some risk of bankruptcy.
MQ has a better Altman-Z score (1.72) than 70.10% of its industry peers.
The Debt to FCF ratio of MQ is 0.07, which is an excellent value as it means it would take MQ, only 0.07 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MQ (0.07) is better than 89.69% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that MQ is not too dependend on debt financing.
MQ's Debt to Equity ratio of 0.01 is amongst the best of the industry. MQ outperforms 86.60% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.01
Debt/FCF	0.07
Altman-Z	1.72

ROIC/WACCN/A

WACC8.88%

2.3 Liquidity

A Current Ratio of 1.88 indicates that MQ should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.88, MQ is doing good in the industry, outperforming 74.23% of the companies in the same industry.
MQ has a Quick Ratio of 1.88. This is a normal value and indicates that MQ is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.88, MQ is doing good in the industry, outperforming 75.26% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.88
Quick Ratio	1.88

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

MQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -500.00%.
MQ shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.11%.
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)-500%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%83.33%

Revenue 1Y (TTM)20.11%

Revenue growth 3Y-0.66%

Revenue growth 5Y28.75%

Sales Q2Q%27.62%

3.2 Future

MQ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.38% yearly.
Based on estimates for the next years, MQ will show a quite strong growth in Revenue. The Revenue will grow by 15.96% on average per year.

EPS Next Y-172.61%

EPS Next 2Y-7.97%

EPS Next 3Y38.65%

EPS Next 5Y31.38%

Revenue Next Year22.98%

Revenue Next 2Y20.4%

Revenue Next 3Y19.74%

Revenue Next 5Y15.96%

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.

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4. Valuation

4.1 Price/Earnings Ratio

MQ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
MQ is valuated quite expensively with a Price/Forward Earnings ratio of 104.15.
76.29% of the companies in the same industry are cheaper than MQ, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of MQ to the average of the S&P500 Index (25.98), we can say MQ is valued expensively.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	104.15

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of MQ indicates a somewhat cheap valuation: MQ is cheaper than 61.86% of the companies listed in the same industry.