Marqeta vs nCino
MQ and NCNO side by side, both in computer programming, data processing, and other computer related services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MQ and NCNO compare
nCino is the larger company, worth 1.3 times as much as Marqeta ($2.4B against $1.9B).
On earnings, nCino is cheaper: it trades at 75.9× trailing earnings, against 182× for Marqeta.
Marqeta grew revenue faster over the last twelve months (22.4% versus 8.6% for nCino).
nCino keeps more of each dollar of sales as profit, with a net margin of 5.4% compared with 1.5% at Marqeta.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MQ | NCNO |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $2.4B |
| Share price | $18.23 | $22.76 |
| Change, 1 year | −9.4% | −13.0% |
| Change, 5 years | −80.9% | −63.6% |
| Beta (5Y) | 1.00 | 1.62 |
| Employees | 938 | 1,684 |
| StockData Score | ||
| Total score | 10 | 10 |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 | 3 (better) |
| Performance score | 3 | 3 |
| Health score | 5 (better) | 2 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 182× | 75.9× (better) |
| P/S | 2.8× (better) | 3.9× |
| P/B | 2.7× | 2.6× (better) |
| EV/EBITDA | 57.6× | 28.8× (better) |
| P/FCF | 9.6× (better) | 18.2× |
| FCF yield | 10.4% (better) | 5.5% |
| Fair value | $11.07 | $16.88 |
| Margin of safety | −64.6% | −34.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 22.4% (better) | 8.6% |
| Revenue growth, 5Y average | 16.6% | 23.8% (better) |
| Profitability | ||
| Gross margin | 70.0% (better) | 62.2% |
| Operating margin | −1.9% | 7.9% (better) |
| Net margin | 1.5% | 5.4% (better) |
| FCF margin | 29.3% (better) | 21.2% |
| Return on equity | 1.3% | 3.4% (better) |
| Return on invested capital | −65.5% | 3.8% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.30 (better) |
| Net debt / EBITDA | – | 2.13 |
| Interest coverage | – | 2.7× |
| Current ratio | 1.66 (better) | 0.85 |
| Altman Z-score | 1.72 | 2.45 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 11.1% (better) | 10.0% |
| Shareholder yield | 11.1% (better) | 10.0% |
| Ownership | ||
| Held by institutions | 67.7% | 121% |
| Held by insiders | 13.4% | 23.8% |
| Insider net buying, 12 months | −$2.3M (better) | −$8.9M |
| Short interest, % of float | 4.6% | 22.1% |
Go deeper
- MQ stock overview
- MQ income statement
- MQ valuation and score
- NCNO stock overview
- NCNO income statement
- NCNO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.