Marqeta vs CPI Card
MQ and PMTS side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MQ and PMTS compare
Marqeta is the larger company, worth 6.6 times as much as CPI Card ($1.9B against $287M).
On earnings, CPI Card is cheaper: it trades at 18.2× trailing earnings, against 182× for Marqeta.
Marqeta grew revenue faster over the last twelve months (22.4% versus 17.9% for CPI Card).
CPI Card keeps more of each dollar of sales as profit, with a net margin of 2.7% compared with 1.5% at Marqeta.
Marqeta scores higher on the StockData Score (10 against 9 for CPI Card), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MQ | PMTS |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $287M |
| Share price | $18.23 | $24.93 |
| Change, 1 year | −9.4% | 77.7% |
| Change, 5 years | −80.9% | 5.5% |
| Beta (5Y) | 1.00 | 1.27 |
| Employees | 938 | 1,700 |
| StockData Score | ||
| Total score | 10 (better) | 9 |
| Valuation score | 1 | 3 (better) |
| Growth score | 1 | 2 (better) |
| Performance score | 3 (better) | 1 |
| Health score | 5 (better) | 3 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 182× | 18.2× (better) |
| P/S | 2.8× | 0.5× (better) |
| P/B | 2.7× | – |
| EV/EBITDA | 57.6× | 6.3× (better) |
| P/FCF | 9.6× | 3.5× (better) |
| FCF yield | 10.4% | 28.3% (better) |
| Fair value | $11.07 | $27.90 |
| Margin of safety | −64.6% | 10.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 22.4% (better) | 17.9% |
| Revenue growth, 5Y average | 16.6% (better) | 11.7% |
| Net income growth (TTM) | – | 14.6% |
| EPS growth (TTM) | – | 14.2% |
| EPS growth, 5Y average | – | −2.8% |
| Profitability | ||
| Gross margin | 70.0% (better) | 31.5% |
| Operating margin | −1.9% | 9.3% (better) |
| Net margin | 1.5% | 2.7% (better) |
| FCF margin | 29.3% (better) | 13.4% |
| Return on equity | 1.3% | – |
| Return on invested capital | −65.5% | 16.0% (better) |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Net debt / EBITDA | – | 2.85 |
| Current ratio | 1.66 | 2.06 (better) |
| Altman Z-score | 1.72 | 3.14 (better) |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Buyback yield | 11.1% | – |
| Shareholder yield | 11.1% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 67.7% | 26.7% |
| Held by insiders | 13.4% | 75.9% |
| Insider net buying, 12 months | −$2.3M (better) | −$68.9M |
| Short interest, % of float | 4.6% | 16.0% |
Go deeper
- MQ stock overview
- MQ income statement
- MQ valuation and score
- PMTS stock overview
- PMTS income statement
- PMTS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.