Expensify (NASDAQ:EXFY – Get Free Report) and Marqeta (NASDAQ:MQ – Get Free Report) 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 risk, valuation, analyst recommendations, earnings, profitability, institutional ownership and dividends.
Risk and Volatility
Expensify has a beta of 1.74, suggesting that its share price is 74% more volatile than the S&P 500. Comparatively, Marqeta has a beta of 1.48, suggesting that its share price is 48% more volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and price targets for Expensify and Marqeta, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
| Marqeta | 2 | 9 | 1 | 0 | 1.92 |
Insider & Institutional Ownership
68.4% of Expensify shares are held by institutional investors. Comparatively, 78.6% of Marqeta shares are held by institutional investors. 17.3% of Expensify shares are held by insiders. Comparatively, 12.6% of Marqeta shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Expensify and Marqeta’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Expensify | -15.05% | -16.00% | -11.42% |
| Marqeta | -2.23% | -1.62% | -1.00% |
Valuation & Earnings
This table compares Expensify and Marqeta”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Expensify | $142.10 million | 0.43 | -$21.39 million | ($0.24) | -3.11 |
| Marqeta | $624.88 million | 2.74 | -$13.93 million | ($0.03) | -133.67 |
Marqeta has higher revenue and earnings than Expensify. Marqeta is trading at a lower price-to-earnings ratio than Expensify, indicating that it is currently the more affordable of the two stocks.
Summary
Marqeta beats Expensify on 8 of the 13 factors compared between the two stocks.
About Expensify
Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company’s platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.
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.
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