Comparing Marqeta (NASDAQ:MQ) and International Money Express (NASDAQ:IMXI)

Marqeta (NASDAQ:MQ) and International Money Express (NASDAQ:IMXI) are both small-cap business services companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk.

Institutional & Insider Ownership

78.6% of Marqeta shares are owned by institutional investors. Comparatively, 86.7% of International Money Express shares are owned by institutional investors. 12.6% of Marqeta shares are owned by insiders. Comparatively, 5.1% of International Money Express shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

Marqeta has a beta of 1.31, indicating that its share price is 31% more volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.75, indicating that its share price is 25% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings for Marqeta and International Money Express, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Marqeta	2	8	1	0	1.91
International Money Express	1	2	0	0	1.67

Marqeta presently has a consensus price target of $20.12, suggesting a potential upside of 15.59%. Given Marqeta’s stronger consensus rating and higher possible upside, equities analysts clearly believe Marqeta is more favorable than International Money Express.

Earnings and Valuation

This table compares Marqeta and International Money Express”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Marqeta	$624.88 million	2.95	-$13.93 million	$0.04	435.25
International Money Express	$607.78 million	0.72	$32.67 million	$0.85	17.11

International Money Express has lower revenue, but higher earnings than Marqeta. International Money Express is trading at a lower price-to-earnings ratio than Marqeta, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Marqeta and International Money Express’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Marqeta	0.33%	0.27%	0.15%
International Money Express	4.34%	23.26%	6.88%

Summary

Marqeta beats International Money Express on 8 of the 14 factors compared between the two stocks.

About Marqeta

Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services. It offers its solutions in various verticals, including financial services, on-demand services, expense management, and e-commerce enablement, as well as buy now, pay later. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.

About International Money Express

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.