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Marqeta, Inc. (MQ) vs StoneCo Ltd. (STNE)

Marqeta, Inc. and StoneCo Ltd. are both Software Infrastructure companies. Marqeta, Inc. and StoneCo Ltd. are of similar size ($1.9B and $1.8B). StoneCo Ltd. trades at the lower P/E: 2.9× against 161×. Marqeta, Inc. grew revenue faster over the last twelve months: 17.3% against 8.71%. StoneCo Ltd. has the higher net margin (24.1% vs 18.8%) and the higher return on invested capital (27.2% vs 0.22%). Across the 22 metrics below, StoneCo Ltd. leads on 18 and Marqeta, Inc. on 4.

Valuation

Metric MQ STNE Software Infrastructure median
P/E 161.00 2.93 26.15
P/S 2.71 0.66 2.87
P/B 2.23 0.99 2.94
Price to free cash flow 17.57 2.43 17.26
EV/EBITDA 27.70 2.02 15.00
EV/Sales 1.63 1.14 2.95
Earnings yield 0.62% 34.14% 0.00%
Free cash flow yield 5.69% 41.07% 0.39%

Profitability

Metric MQ STNE Software Infrastructure median
Gross margin 69.78% 73.59% 59.21%
Operating margin 0.54% 49.68% 0.00%
Net margin 18.76% 24.12% 0.00%
Free cash flow margin 15.40% 27.20% 0.00%
Return on equity 15.45% 33.67% 0.00%
Return on assets 8.66% 6.10% 0.00%
Return on invested capital 0.22% 27.16% 0.00%

Growth

Metric MQ STNE Software Infrastructure median
Revenue growth (TTM) 17.25% 8.71% 13.57%
EPS growth (last fiscal year) (160.00%) 265.22% 20.22%
Revenue growth, 5-year CAGR 16.57% 31.53% 16.02%
Net income growth, 5-year CAGR 0.00% 20.77% 0.00%

Health

Metric MQ STNE Software Infrastructure median
Debt to equity 0.26 1.80 0.02
Current ratio 1.70 1.26 1.54
Net debt to EBITDA 42.70 1.18 0.05

Dividend

Metric MQ STNE Software Infrastructure median
Dividend yield — 0.00% 1.09%
Payout ratio — 0.00 0.30

Size

Metric MQ STNE Software Infrastructure median
Market cap 1.85b 1.80b 655.75m

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