4.94 USD
-0.05 (-1%)
4.94 USD
0 (0%)
Taking everything into account, MQ scores 4 out of 10 in our fundamental rating. MQ was compared to 97 industry peers in the Financial Services industry. While MQ has a great health rating, there are worries on its profitability. While showing a medium growth rate, MQ is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
MQ had negative earnings in the past year.
MQ had a positive operating cash flow in the past year.
In the past 5 years MQ reported 4 times negative net income.
Of the past 5 years MQ 4 years had a positive operating cash flow.
1.2 Ratios
MQ has a worse Return On Assets (-2.66%) than 83.51% of its industry peers.
MQ's Return On Equity of -4.71% is on the low side compared to the rest of the industry. MQ is outperformed by 78.35% 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
MQ has a Gross Margin of 70.60%. This is amongst the best in the industry. MQ outperforms 80.41% 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 | 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%
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 less shares outstanding than it did 5 years ago.
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 1.95. This is not the best score and indicates that MQ is in the grey zone with still only limited risk for bankruptcy at the moment.
MQ's Altman-Z score of 1.95 is fine compared to the rest of the industry. MQ outperforms 74.23% 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.
MQ's Debt to FCF ratio of 0.07 is amongst the best of the industry. MQ outperforms 89.69% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that MQ is not too dependend on debt financing.
The Debt to Equity ratio of MQ (0.01) is better than 87.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 1.95 |
ROIC/WACCN/A
WACC8.78%
2.3 Liquidity
MQ has a Current 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.
Looking at the Current ratio, with a value of 1.88, MQ is in the better half of the industry, outperforming 73.20% of the companies in the same industry.
A Quick Ratio of 1.88 indicates that MQ should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.88, MQ is doing good in the industry, outperforming 74.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.88 | ||
| Quick Ratio | 1.88 |
3. Growth
3.1 Past
The earnings per share for MQ have decreased strongly by -500.00% in the last year.
MQ shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.11%.
MQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.75% yearly.
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.
The Revenue is expected to grow by 15.96% on average over the next years. This is quite good.
EPS Next Y-172.61%
EPS Next 2Y-13.75%
EPS Next 3Y39.22%
EPS Next 5Y31.38%
Revenue Next Year23.01%
Revenue Next 2Y20.71%
Revenue Next 3Y20.25%
Revenue Next 5Y15.96%
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
The Price/Earnings Ratio is negative for MQ. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 132.82 indicates a quite expensive valuation of MQ.
Based on the Price/Forward Earnings ratio, MQ is valued a bit more expensive than 79.38% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.78. MQ is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 132.82 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as MQ.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.35 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
MQ's earnings are expected to grow with 39.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.75%
EPS Next 3Y39.22%
5. Dividend
5.1 Amount
MQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
4.94
-0.05 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners82.11%
Inst Owner Change21.5%
Ins Owners6.2%
Ins Owner Change16.92%
Market Cap2.17B
Revenue(TTM)588.56M
Net Income(TTM)-39.53M
Analysts72.73
Price Target6.06 (22.67%)
Short Float %4.52%
Short Ratio3.77
Dividend
| Industry Rank | Sector 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)2
Avg EPS beat(2)71.44%
Min EPS beat(2)42.89%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)50.19%
Min EPS beat(4)7.54%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)30.73%
EPS beat(12)8
Avg EPS beat(12)19.13%
EPS beat(16)11
Avg EPS beat(16)25.31%
Revenue beat(2)2
Avg Revenue beat(2)5.25%
Min Revenue beat(2)4.01%
Max Revenue beat(2)6.49%
Revenue beat(4)2
Avg Revenue beat(4)2.23%
Min Revenue beat(4)-0.89%
Max Revenue beat(4)6.49%
Revenue beat(8)3
Avg Revenue beat(8)0.81%
Revenue beat(12)5
Avg Revenue beat(12)1.43%
Revenue beat(16)8
Avg Revenue beat(16)1.89%
PT rev (1m)-3.65%
PT rev (3m)-13.28%
EPS NQ rev (1m)126.74%
EPS NQ rev (3m)114.38%
EPS NY rev (1m)34.93%
EPS NY rev (3m)56.48%
Revenue NQ rev (1m)1.44%
Revenue NQ rev (3m)5.72%
Revenue NY rev (1m)3.91%
Revenue NY rev (3m)3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 132.82 | ||
| P/S | 3.69 | ||
| P/FCF | 20.35 | ||
| P/OCF | 16.19 | ||
| P/B | 2.59 | ||
| P/tB | 3.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.08
EYN/A
EPS(NY)0.04
Fwd EY0.75%
FCF(TTM)0.24
FCFY4.91%
OCF(TTM)0.31
OCFY6.18%
SpS1.34
BVpS1.91
TBVpS1.43
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.66% | ||
| ROE | -4.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 70.6% | ||
| FCFM | 18.15% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 114.41% | ||
| Cap/Sales | 4.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.88 | ||
| Quick Ratio | 1.88 | ||
| Altman-Z | 1.95 |
F-Score6
WACC8.78%
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)-500%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%83.33%
EPS Next Y-172.61%
EPS Next 2Y-13.75%
EPS Next 3Y39.22%
EPS Next 5Y31.38%
Revenue 1Y (TTM)20.11%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%27.62%
Revenue Next Year23.01%
Revenue Next 2Y20.71%
Revenue Next 3Y20.25%
Revenue Next 5Y15.96%
EBIT growth 1Y-73.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year357.24%
EBIT Next 3Y85.18%
EBIT Next 5Y67.34%
FCF growth 1Y1292.95%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y588.72%
OCF growth 3Y0.7%
OCF growth 5YN/A
MARQETA INC-A / MQ FAQ
What is the ChartMill fundamental rating of MARQETA INC-A (MQ) stock?
ChartMill assigns a fundamental rating of 4 / 10 to MQ.
What is the valuation status of MARQETA INC-A (MQ) stock?
ChartMill assigns a valuation rating of 1 / 10 to MARQETA INC-A (MQ). This can be considered as Overvalued.
How profitable is MARQETA INC-A (MQ) stock?
MARQETA INC-A (MQ) has a profitability rating of 2 / 10.
How financially healthy is MARQETA INC-A?
The financial health rating of MARQETA INC-A (MQ) is 7 / 10.