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Marqeta, Inc. (MQ) vs Pagaya Technologies Ltd. (PGY)

Marqeta, Inc. and Pagaya Technologies Ltd. are both Software Infrastructure companies. Marqeta, Inc. is the larger, with a market value of $1.9B against $1.5B — 1.3× the size. Pagaya Technologies Ltd. trades at the lower P/E: 10.0× against 14.8×. Marqeta, Inc. grew revenue faster over the last twelve months: 17.3% against 14.8%. Marqeta, Inc. has the higher net margin (18.8% vs 10.5%) and the lower return on invested capital (2.57% vs 329.1%). Across the 22 metrics below, Pagaya Technologies Ltd. leads on 18 and Marqeta, Inc. on 4.

Valuation

Metric MQ PGY Software Infrastructure median
P/E 14.78 9.96 24.52
P/S 2.81 1.03 2.78
P/B 2.31 2.20 2.84
Price to free cash flow 18.22 6.28 18.22
EV/EBITDA 29.35 2.59 13.98
EV/Sales 1.72 0.74 2.92
Earnings yield 6.77% 10.04% 0.00%
Free cash flow yield 5.49% 15.93% 0.37%

Profitability

Metric MQ PGY Software Infrastructure median
Gross margin 69.78% 43.93% 57.91%
Operating margin 0.54% 26.43% 0.00%
Net margin 18.76% 10.48% 0.00%
Free cash flow margin 15.40% 16.34% 0.00%
Return on equity 15.45% 24.93% 0.00%
Return on assets 8.66% 9.21% 0.00%
Return on invested capital 2.57% 329.07% 0.00%

Growth

Metric MQ PGY Software Infrastructure median
Revenue growth (TTM) 17.25% 14.80% 14.42%
EPS growth (last fiscal year) (160.00%) 116.43% 17.35%
Revenue growth, 5-year CAGR 16.57% 67.40% 16.15%
Net income growth, 5-year CAGR 0.00% 75.33% 0.00%

Health

Metric MQ PGY Software Infrastructure median
Debt to equity 0.26 1.22 0.02
Current ratio 1.70 11.59 1.53
Net debt to EBITDA 42.70 (1.90) 0.05

Dividend

Metric MQ PGY Software Infrastructure median
Dividend yield — — 1.04%
Payout ratio — — 0.29

Size

Metric MQ PGY Software Infrastructure median
Market cap 1.91b 1.46b 606.60m

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