Marqeta (NASDAQ:MQ – Get Free Report) and International Money Express (NASDAQ:IMXI – Get Free Report) are both small-cap business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.
Valuation and Earnings
This table compares Marqeta and International Money Express”s revenue, earnings per share 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 |
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% |
Institutional & Insider Ownership
78.6% of Marqeta shares are held by institutional investors. Comparatively, 86.7% of International Money Express shares are held by institutional investors. 12.6% of Marqeta shares are held by company insiders. Comparatively, 5.1% of International Money Express shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of recent recommendations for Marqeta and International Money Express, as provided 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 probable upside, equities research analysts clearly believe Marqeta is more favorable than International Money Express.
Volatility and Risk
Marqeta has a beta of 1.31, meaning that its share price is 31% more volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.75, meaning that its share price is 25% less volatile than the S&P 500.
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.
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