MARQETA INC-A (MQ) Stock Fundamental Analysis
NASDAQ:MQ - Nasdaq - US57142B1044 - Common Stock - Currency: USD
MQ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 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.
1. Profitability
1.1 Basic Checks
MQ had positive 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.
MQ had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
MQ has a better Return On Assets (4.08%) than 71.29% of its industry peers.
MQ has a worse Return On Equity (5.58%) than 62.38% of its industry peers.
With a Return On Invested Capital value of 0.54%, MQ is not doing good in the industry: 64.36% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 5.58% | ||
| ROIC | 0.54% |
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
Looking at the Profit Margin, with a value of 10.43%, MQ is in line with its industry, outperforming 51.49% of the companies in the same industry.
Looking at the Operating Margin, with a value of 1.30%, MQ is doing worse than 73.27% of the companies in the same industry.
With an excellent Gross Margin value of 69.37%, MQ belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
In the last couple of years the Gross Margin of MQ has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.3% | ||
| PM (TTM) | 10.43% | ||
| GM | 69.37% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MQ is destroying value.
MQ has less shares outstanding than it did 1 year ago.
MQ has less shares outstanding than it did 5 years 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 4.60. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
MQ has a Altman-Z score of 4.60. This is amongst the best in 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 4.6 |
ROIC/WACC0.06
WACC8.86%
2.3 Liquidity
MQ has a Current Ratio of 3.18. This indicates that MQ is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of MQ (3.18) is better than 83.17% of its industry peers.
A Quick Ratio of 3.18 indicates that MQ has no problem at all paying its short term obligations.
MQ's Quick ratio of 3.18 is amongst the best of the industry. MQ outperforms 84.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.18 | ||
| Quick Ratio | 3.18 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 127.47% over the past year.
The Revenue has decreased by -8.44% in the past year.
The Revenue has been growing by 28.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)127.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
Revenue 1Y (TTM)-8.44%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%17.89%
3.2 Future
Based on estimates for the next years, MQ will show a decrease in Earnings Per Share. The EPS will decrease by -3.80% on average per year.
Based on estimates for the next years, MQ will show a quite strong growth in Revenue. The Revenue will grow by 17.13% on average per year.
EPS Next Y-318.36%
EPS Next 2Y-69.27%
EPS Next 3Y10.22%
EPS Next 5Y-3.8%
Revenue Next Year15.39%
Revenue Next 2Y18.72%
Revenue Next 3Y20.02%
Revenue Next 5Y17.13%
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 56.80, which means the current valuation is very expensive for MQ.
Compared to the rest of the industry, the Price/Earnings ratio of MQ indicates a slightly more expensive valuation: MQ is more expensive than 74.26% of the companies listed in the same industry.
MQ is valuated expensively when we compare the Price/Earnings ratio to 26.99, 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.8 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MQ indicates a slightly more expensive valuation: MQ is more expensive than 65.35% of the companies listed in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 58.21 | ||
| EV/EBITDA | 56.38 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-69.27%
EPS Next 3Y10.22%
5. Dividend
5.1 Amount
No dividends for MQ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.68
+0.09 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners80.84%
Inst Owner Change0.21%
Ins Owners5.73%
Ins Owner Change23.72%
Market Cap2.66B
Analysts75.83
Price Target5.83 (2.64%)
Short Float %4.15%
Short Ratio2.44
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)28.93%
Min EPS beat(2)7.54%
Max EPS beat(2)50.33%
EPS beat(4)3
Avg EPS beat(4)21.22%
Min EPS beat(4)-7.87%
Max EPS beat(4)50.33%
EPS beat(8)5
Avg EPS beat(8)9.21%
EPS beat(12)7
Avg EPS beat(12)8.99%
EPS beat(16)11
Avg EPS beat(16)24.69%
Revenue beat(2)0
Avg Revenue beat(2)-0.79%
Min Revenue beat(2)-0.89%
Max Revenue beat(2)-0.69%
Revenue beat(4)0
Avg Revenue beat(4)-1.27%
Min Revenue beat(4)-3.29%
Max Revenue beat(4)-0.2%
Revenue beat(8)3
Avg Revenue beat(8)1.14%
Revenue beat(12)5
Avg Revenue beat(12)0.85%
Revenue beat(16)8
Avg Revenue beat(16)2.85%
PT rev (1m)8.94%
PT rev (3m)15.2%
EPS NQ rev (1m)-12.49%
EPS NQ rev (3m)34.15%
EPS NY rev (1m)-6%
EPS NY rev (3m)40.14%
Revenue NQ rev (1m)-1.4%
Revenue NQ rev (3m)-4.95%
Revenue NY rev (1m)-0.99%
Revenue NY rev (3m)-2.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.8 | ||
| Fwd PE | N/A | ||
| P/S | 5.04 | ||
| P/FCF | 58.21 | ||
| P/OCF | 39.27 | ||
| P/B | 2.69 | ||
| P/tB | 3.18 | ||
| EV/EBITDA | 56.38 |
EPS(TTM)0.1
EY1.76%
EPS(NY)-0.04
Fwd EYN/A
FCF(TTM)0.1
FCFY1.72%
OCF(TTM)0.14
OCFY2.55%
SpS1.13
BVpS2.11
TBVpS1.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.08% | ||
| ROE | 5.58% | ||
| ROCE | 0.69% | ||
| ROIC | 0.54% | ||
| ROICexc | 128.29% | ||
| ROICexgc | N/A | ||
| OM | 1.3% | ||
| PM (TTM) | 10.43% | ||
| GM | 69.37% | ||
| FCFM | 8.65% |
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-Score8
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 114.47% | ||
| Cap/Sales | 4.17% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 259.49% | ||
| Profit Quality | 82.95% | ||
| Current Ratio | 3.18 | ||
| Quick Ratio | 3.18 | ||
| Altman-Z | 4.6 |
F-Score8
WACC8.86%
ROIC/WACC0.06
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)127.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
EPS Next Y-318.36%
EPS Next 2Y-69.27%
EPS Next 3Y10.22%
EPS Next 5Y-3.8%
Revenue 1Y (TTM)-8.44%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%17.89%
Revenue Next Year15.39%
Revenue Next 2Y18.72%
Revenue Next 3Y20.02%
Revenue Next 5Y17.13%
EBIT growth 1Y102.79%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year254.73%
EBIT Next 3Y80.14%
EBIT Next 5Y67.34%
FCF growth 1Y179.98%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y191.44%
OCF growth 3Y0.7%
OCF growth 5YN/A