Marqeta Inc (MQ)vsOracle Corporation (ORCL)
MQ
Marqeta Inc
$4.19
+0.48%
TECHNOLOGY · Cap: $1.84B
ORCL
Oracle Corporation
$146.02
-0.73%
TECHNOLOGY · Cap: $423.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 10154% more annual revenue ($64.08B vs $624.88M). ORCL leads profitability with a 25.3% profit margin vs -2.2%. ORCL appears more attractively valued with a PEG of 0.95. ORCL earns a higher WallStSmart Score of 76/100 (B+).
MQ
Hold42
out of 100
Grade: D
ORCL
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for MQ.
Margin of Safety
+40.2%
Fair Value
$244.26
Current Price
$146.02
$98.24 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 26.7% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 58 in profit
Strong operational efficiency at 32.7%
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Revenue surging 21.7% year-over-year
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -1.5% — below average capital efficiency
Moderate valuation
Trading at 12.5x book value
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : MQ
The strongest argument for MQ centers on Debt/Equity, Price/Book, Revenue Growth. Revenue growth of 26.7% demonstrates continued momentum.
Bull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 25.3% and operating margin at 32.7%. Revenue growth of 21.7% demonstrates continued momentum.
Bear Case : MQ
The primary concerns for MQ are EPS Growth, Market Cap, Piotroski F-Score.
Bear Case : ORCL
The primary concerns for ORCL are P/E Ratio, Price/Book, Piotroski F-Score. Debt-to-equity of 4.15 is elevated, increasing financial risk.
Key Dynamics to Monitor
ORCL carries more volatility with a beta of 1.65 — expect wider price swings.
MQ is growing revenue faster at 26.7% — sustainability is the question.
MQ generates stronger free cash flow (34M), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (76/100 vs 42/100), backed by strong 25.3% margins and 21.7% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Marqeta Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Marqeta, Inc. operates a cloud-based open application programming interface platform that provides transaction processing and card issuance services to developers, technical product managers, and visionary entrepreneurs. The company is headquartered in Oakland, California.
Oracle Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Oracle is an American multinational computer technology corporation headquartered in Austin, Texas. The company was formerly headquartered in Redwood Shores, California until December 2020 when it moved its headquarters to Texas. The company sells database software and technology, cloud engineered systems, and enterprise software products, particularly its own brands of database management systems.
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