Fiserv vs Marqeta Which Is Superior?

Fiserv and Marqeta are both prominent players in the financial technology industry, but they cater to different segments of the market. Fiserv provides a wide range of financial services and software solutions to banks, credit unions, and other financial institutions. On the other hand, Marqeta specializes in modern card issuing platforms and payment infrastructure for businesses, empowering them to create innovative payment solutions. Both companies have shown strong growth potential in their respective niches, making them attractive investment options for those interested in the fintech sector.

Fiserv or Marqeta?

When comparing Fiserv 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 Fiserv 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. Fiserv 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. Fiserv reports a 5-year dividend growth of 0.00% year and a payout ratio of 36.01%. 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 Fiserv P/E ratio at 40.24 and Marqeta's P/E ratio at 149.65. Another crucial valuation metric is the Price-to-Book (P/B) Ratio, which compares stock price with book value per share. Fiserv P/B ratio is 4.44 while Marqeta's P/B ratio is 1.92.

Growth Investors:

Growth investors prioritize metrics indicative of a company's expansion potential. Focusing on top-line growth, Fiserv has seen a 5-year revenue growth of 1.17%, while Marqeta's is 3.76%. Return on Equity (ROE) measures how effectively a company uses equity investment to generate earnings, with Fiserv's ROE at 10.69% and Marqeta's ROE at 1.20%.

Retail Investors:

Retail investors often consider stock affordability and company familiarity. For example, day low prices are $212.56 for Fiserv and $3.81 for Marqeta. Over the past year, Fiserv's prices ranged from $121.07 to $215.45, with a yearly change of 77.95%. 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.