MARQETA INC-A (MQ) Stock Fundamental Analysis
USA - NASDAQ:MQ - US57142B1044 - Common Stock
4.88 USD
-0.08 (-1.61%)
4.89 USD
+0.01 (+0.2%)
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. 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.
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 worse Return On Assets (-2.66%) than 83.51% of its industry peers.
Looking at the Return On Equity, with a value of -4.71%, MQ is doing worse than 79.38% of the companies in the same industry.
| 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 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.
The number of shares outstanding for MQ has been reduced compared to 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 1.98. 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.
The Altman-Z score of MQ (1.98) is better than 75.26% 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.
With an excellent Debt to FCF ratio value of 0.07, MQ belongs to the best of the industry, outperforming 90.72% of the companies in the same industry.
A Debt/Equity ratio of 0.01 indicates that MQ is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.01, MQ belongs to the best of the industry, outperforming 87.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 1.98 |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
A Current Ratio of 1.88 indicates that MQ should not have too much problems paying its short term obligations.
MQ has a Current ratio of 1.88. This is in the better half of the industry: MQ outperforms 75.26% of its industry peers.
A Quick Ratio of 1.88 indicates that MQ should not have too much problems paying its short term obligations.
The Quick ratio of MQ (1.88) is better than 76.29% of its industry peers.
| 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%.
The Revenue has been growing by 28.75% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 31.38% on average over the next years. This is a very strong growth
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-211.59%
EPS Next 2Y-49.72%
EPS Next 3Y29.08%
EPS Next 5Y31.38%
Revenue Next Year18.38%
Revenue Next 2Y19.45%
Revenue Next 3Y19.72%
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
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 386.13.
Based on the Price/Forward Earnings ratio, MQ is valued a bit more expensive than the industry average as 79.38% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of MQ to the average of the S&P500 Index (34.59), we can say MQ is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 386.13 |
4.2 Price Multiples
MQ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.47 | ||
| 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 29.08% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-49.72%
EPS Next 3Y29.08%
5. Dividend
5.1 Amount
MQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
4.88
-0.08 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners79.59%
Inst Owner Change-1.45%
Ins Owners6.06%
Ins Owner Change16.62%
Market Cap2.19B
Revenue(TTM)588.56M
Net Income(TTM)-39.53M
Analysts72.73
Price Target6.29 (28.89%)
Short Float %3.88%
Short Ratio4.04
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)-10%
PT rev (3m)6.48%
EPS NQ rev (1m)5.56%
EPS NQ rev (3m)43.33%
EPS NY rev (1m)1.51%
EPS NY rev (3m)48.9%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)2.08%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)2.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 386.13 | ||
| P/S | 3.72 | ||
| P/FCF | 20.47 | ||
| P/OCF | 16.29 | ||
| P/B | 2.61 | ||
| P/tB | 3.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.08
EYN/A
EPS(NY)0.01
Fwd EY0.26%
FCF(TTM)0.24
FCFY4.88%
OCF(TTM)0.3
OCFY6.14%
SpS1.31
BVpS1.87
TBVpS1.41
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 | 1.98 |
F-Score6
WACC8.75%
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-211.59%
EPS Next 2Y-49.72%
EPS Next 3Y29.08%
EPS Next 5Y31.38%
Revenue 1Y (TTM)20.11%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%27.62%
Revenue Next Year18.38%
Revenue Next 2Y19.45%
Revenue Next 3Y19.72%
Revenue Next 5Y15.96%
EBIT growth 1Y-73.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year316.49%
EBIT Next 3Y86.99%
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.