Head-To-Head Contrast: Marqeta (NASDAQ:MQ) versus International Money Express (NASDAQ:IMXI)

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

Risk & Volatility

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

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Money Express	$607.78 million	0.72	$32.67 million	$0.85	17.06
Marqeta	$624.88 million	2.69	-$13.93 million	$0.04	396.75

International Money Express has higher earnings, but lower revenue 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.

Analyst Ratings

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

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

Marqeta has a consensus price target of $20.12, suggesting a potential upside of 26.81%. Given Marqeta’s stronger consensus rating and higher possible upside, analysts clearly believe Marqeta is more favorable than International Money Express.

Profitability

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

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

Institutional and Insider Ownership

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

Summary

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

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.

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.