4.46 USD
+0.05 (+1.13%)
4.49 USD
+0.03 (+0.67%)
We assign a fundamental rating of 4 out of 10 to MQ. MQ was compared to 98 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. 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
- With a Return On Assets value of -2.66%, MQ is not doing good in the industry: 82.65% of the companies in the same industry are doing better.
- The Return On Equity of MQ (-4.71%) is worse than 76.53% 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 79.59% 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.
- The number of shares outstanding for MQ has been reduced compared to 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
- Based on the Altman-Z score of 1.71, we must say that MQ is in the distress zone and has some risk of bankruptcy.
- MQ's Altman-Z score of 1.71 is fine compared to the rest of the industry. MQ outperforms 71.43% 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.
- Looking at the Debt to FCF ratio, with a value of 0.07, MQ belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
- A Debt/Equity ratio of 0.01 indicates that MQ is not too dependend on debt financing.
- MQ has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. MQ outperforms 86.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 1.71 |
ROIC/WACCN/A
WACC8.88%
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.
- MQ has a Current ratio of 1.88. This is in the better half of the industry: MQ outperforms 73.47% of its industry peers.
- 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.
- MQ has a Quick ratio of 1.88. This is in the better half of the industry: MQ outperforms 74.49% 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.
- The Revenue has grown by 20.11% in the past year. This is a very strong growth!
- 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
- 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-7.97%
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- MQ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- With a Price/Forward Earnings ratio of 105.33, MQ can be considered very expensive at the moment.
- 79.59% of the companies in the same industry are cheaper than MQ, based on the Price/Forward Earnings ratio.
- MQ is valuated expensively when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 105.33 |
4.2 Price Multiples
- MQ's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MQ is cheaper than 61.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.37 | ||
| 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 39.22% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.97%
EPS Next 3Y39.22%
5. Dividend
5.1 Amount
- No dividends for MQ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
4.46
+0.05 (+1.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-24 2026-02-24/amc
Inst Owners82.1%
Inst Owner Change0.54%
Ins Owners6.25%
Ins Owner Change8.88%
Market Cap1.96B
Revenue(TTM)588.56M
Net Income(TTM)-39.53M
Analysts72.73
Price Target5.6 (25.56%)
Short Float %3.91%
Short Ratio3.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0%
PT rev (3m)-13.28%
EPS NQ rev (1m)43.48%
EPS NQ rev (3m)127.5%
EPS NY rev (1m)0%
EPS NY rev (3m)35.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 105.33 | ||
| P/S | 3.33 | ||
| P/FCF | 18.37 | ||
| P/OCF | 14.62 | ||
| P/B | 2.34 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.08
EYN/A
EPS(NY)0.04
Fwd EY0.95%
FCF(TTM)0.24
FCFY5.44%
OCF(TTM)0.31
OCFY6.84%
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 | 1.71 |
F-Score6
WACC8.88%
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-7.97%
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 for MQ stock?
ChartMill assigns a valuation rating of 2 / 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.