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AAPL vs MQ

AAPL
Apple Inc.
NEUTRAL
Price
$258.90
Market Cap
$3.81T
Sector
Technology
AI Confidence
85%
MQ
Marqeta, Inc.
NEUTRAL
Price
$4.06
Market Cap
$1.79B
Sector
Technology
AI Confidence
80%

Valuation

P/E Ratio
AAPL
32.77
MQ
--
Forward P/E
AAPL
27.76
MQ
58.0
P/B Ratio
AAPL
43.16
MQ
2.3
P/S Ratio
AAPL
8.74
MQ
2.86
EV/EBITDA
AAPL
25.01
MQ
-48.15

Profitability

Gross Margin
AAPL
47.33%
MQ
69.98%
Operating Margin
AAPL
35.37%
MQ
-7.65%
Profit Margin
AAPL
27.04%
MQ
-2.23%
ROE
AAPL
152.02%
MQ
-1.51%
ROA
AAPL
24.38%
MQ
-1.73%

Growth

Revenue Growth
AAPL
15.7%
MQ
26.7%
Earnings Growth
AAPL
18.3%
MQ
--

Financial Health

Debt/Equity
AAPL
1.03
MQ
0.01
Current Ratio
AAPL
0.97
MQ
1.65
Quick Ratio
AAPL
0.84
MQ
1.2

Dividends

Dividend Yield
AAPL
0.4%
MQ
--
Payout Ratio
AAPL
13.04%
MQ
0.0%

AI Verdict

AAPL NEUTRAL

Apple exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it currently trades at a significant premium to its intrinsic value of $233.05 and Graham Number of $32.65. While the company demonstrates elite profitability with an ROE of 152.02% and a consistent track record of earnings beats over 25 quarters, valuation metrics are stretched with a PEG ratio of 2.27. The outlook is tempered by bearish insider activity from the CEO and CFO, alongside a technical trend score of 0/100, suggesting a period of consolidation or correction despite strong fundamental growth.

Strengths
Exceptional Return on Equity (ROE) of 152.02%
Consistent earnings beat record over 25 consecutive quarters
Strong profitability margins (Operating Margin: 35.37%, Gross Margin: 47.33%)
Risks
Significant overvaluation relative to defensive fair value (Graham Number)
Bearish insider sentiment with selling from the CEO and CFO
High PEG ratio (2.27) indicating price is outstripping growth
MQ NEUTRAL

Marqeta exhibits a stable financial foundation with a Piotroski F-Score of 5/9 and an exceptionally low debt-to-equity ratio of 0.01. While the company demonstrates strong top-line growth (26.7% YoY) and impressive gross margins (~70%), it continues to struggle with bottom-line profitability and negative operating margins. The outlook is clouded by bearish insider sentiment and a severe 5-year price decline of 86.7%, suggesting that while the business is stabilizing, market confidence remains low.

Strengths
Strong revenue growth of 26.7% YoY and Q/Q
High gross margins at 69.98%
Negligible debt levels (Debt/Equity 0.01)
Risks
Negative net profit and operating margins
Strongly bearish insider activity (11 sells, 0 buys)
Poor long-term price performance (-86.7% over 5 years)

Compare Another Pair

AAPL vs MQ: Head-to-Head Comparison

This page compares Apple Inc. (AAPL) and Marqeta, Inc. (MQ) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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