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MQ vs MSFT

MQ
Marqeta, Inc.
NEUTRAL
Price
$4.06
Market Cap
$1.79B
Sector
Technology
AI Confidence
80%
MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
MQ
--
MSFT
23.42
Forward P/E
MQ
58.0
MSFT
19.86
P/B Ratio
MQ
2.3
MSFT
7.11
P/S Ratio
MQ
2.86
MSFT
9.11
EV/EBITDA
MQ
-48.15
MSFT
16.05

Profitability

Gross Margin
MQ
69.98%
MSFT
68.59%
Operating Margin
MQ
-7.65%
MSFT
47.09%
Profit Margin
MQ
-2.23%
MSFT
39.04%
ROE
MQ
-1.51%
MSFT
34.39%
ROA
MQ
-1.73%
MSFT
14.86%

Growth

Revenue Growth
MQ
26.7%
MSFT
16.7%
Earnings Growth
MQ
--
MSFT
59.8%

Financial Health

Debt/Equity
MQ
0.01
MSFT
0.32
Current Ratio
MQ
1.65
MSFT
1.39
Quick Ratio
MQ
1.2
MSFT
1.24

Dividends

Dividend Yield
MQ
--
MSFT
0.97%
Payout Ratio
MQ
0.0%
MSFT
21.28%

AI Verdict

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)
MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value

Compare Another Pair

MQ vs MSFT: Head-to-Head Comparison

This page compares Marqeta, Inc. (MQ) and Microsoft Corporation (MSFT) 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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