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 100 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
In the past year MQ was profitable.
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
With a decent Return On Assets value of 4.08%, MQ is doing good in the industry, outperforming 72.00% of the companies in the same industry.
MQ's Return On Equity of 5.58% is on the low side compared to the rest of the industry. MQ is outperformed by 63.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.54%, MQ is doing worse than 66.00% of the companies in the same industry.
| 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 51.00% of the companies in the same industry.
Looking at the Operating Margin, with a value of 1.30%, MQ is doing worse than 74.00% of the companies in the same industry.
Looking at the Gross Margin, with a value of 69.37%, MQ belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
MQ's Gross Margin has improved in the last couple of years.
| 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
MQ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
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 4.80. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.80, MQ belongs to the top of the industry, outperforming 89.00% of the companies in the same industry.
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/WACC0.06
WACC8.99%
2.3 Liquidity
A Current Ratio of 3.18 indicates that MQ has no problem at all paying its short term obligations.
MQ has a Current ratio of 3.18. This is amongst the best in the industry. MQ outperforms 83.00% of its industry peers.
A Quick Ratio of 3.18 indicates that MQ has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.18, MQ belongs to the top of the industry, outperforming 84.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.18 | ||
| Quick Ratio | 3.18 |
3. Growth
3.1 Past
MQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.47%, which is quite impressive.
Looking at the last year, MQ shows a decrease in Revenue. The Revenue has decreased by -8.44% in the last year.
MQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.75% yearly.
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.
The Revenue is expected to grow by 17.13% on average over the next years. This is quite good.
EPS Next Y-318.36%
EPS Next 2Y-69.27%
EPS Next 3Y10.22%
EPS Next 5Y-3.8%
Revenue Next Year15.36%
Revenue Next 2Y18.49%
Revenue Next 3Y19.74%
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
With a Price/Earnings ratio of 58.90, MQ can be considered very expensive at the moment.
Based on the Price/Earnings ratio, MQ is valued a bit more expensive than the industry average as 77.00% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of MQ to the average of the S&P500 Index (27.69), we can say MQ is valued expensively.
The Forward Price/Earnings Ratio is negative for MQ. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.9 | ||
| 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 66.00% of the companies listed in the same industry.
MQ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 60.36 | ||
| EV/EBITDA | 61.05 |
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 |
5.89
+0.04 (+0.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners80.84%
Inst Owner Change0.06%
Ins Owners5.73%
Ins Owner Change23.1%
Market Cap2.76B
Analysts75.83
Price Target5.83 (-1.02%)
Short Float %3.89%
Short Ratio1.91
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)13.08%
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)-1.1%
Revenue NQ rev (3m)-4.67%
Revenue NY rev (1m)-1.01%
Revenue NY rev (3m)-2.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.9 | ||
| Fwd PE | N/A | ||
| P/S | 5.22 | ||
| P/FCF | 60.36 | ||
| P/OCF | 40.72 | ||
| P/B | 2.79 | ||
| P/tB | 3.3 | ||
| EV/EBITDA | 61.05 |
EPS(TTM)0.1
EY1.7%
EPS(NY)-0.04
Fwd EYN/A
FCF(TTM)0.1
FCFY1.66%
OCF(TTM)0.14
OCFY2.46%
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 | 4.8 |
F-Score8
WACC8.99%
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 Year15.36%
Revenue Next 2Y18.49%
Revenue Next 3Y19.74%
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