DLocal vs Marqeta Which Is a Smarter Choice?

DLocal and Marqeta are two companies in the financial technology sector that have been making waves in the stock market. DLocal, a payment processing company focused on emerging markets, has seen significant growth due to its unique approach to global payments. On the other hand, Marqeta, a leading provider of modern card issuing and payment infrastructure, has also experienced impressive growth as more businesses adopt digital payment solutions. Both companies offer promising investment opportunities in the dynamic fintech industry.

DLocal or Marqeta?

When comparing DLocal and Marqeta, different investors may prioritize various metrics based on their investment strategies and goals. So, ask yourself what type of investor you are. This will guide you in determining which metrics are most important for your investment decision between DLocal and Marqeta.

Dividend Investors:

Dividend investors look for stable and growing income streams, using dividend metrics to assess potential investments. A company's dividend yield essentially measures the size of its dividend relative to the total market value of the company. DLocal has a dividend yield of -%, while Marqeta has a dividend yield of -%. Beyond the yield itself, considering the growth and sustainability of these dividends is also crucial. DLocal reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%. On the other hand, Marqeta reports a 5-year dividend growth of 0.00% year and a payout ratio of 0.00%.

Value Investors:

Value investors focus on financial metrics to determine a stock's intrinsic value compared to its market value. The Price-to-Earnings (P/E) Ratio links stock price to a company's earnings per share, with DLocal P/E ratio at 28.09 and Marqeta's P/E ratio at 140.26. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. DLocal P/B ratio is 7.33 while Marqeta's P/B ratio is 1.80.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, DLocal has seen a 5-year revenue growth of 10.80%, while Marqeta's is 3.76%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with DLocal's ROE at 26.05% and Marqeta's ROE at 1.20%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $11.39 for DLocal and $3.76 for Marqeta. Over the past year, DLocal's prices ranged from $6.58 to $18.76, with a yearly change of 185.32%. Marqeta's prices fluctuated between $3.37 and $7.36, with a yearly change of 118.40%. Brand recognition also plays a role, as familiarity with a company can influence investment decisions.