MQ vs PAYS
MQ: Marqeta is a cloud-native card issuing and payment processing platform that enables modern businesses to build and manage custom, scalable card programs. PAYS: Paysign provides specialized prepaid card programs and payment processing services tailored for the life sciences and corporate incentive markets.
Side-by-side fundamentals
| Metric | MQ | PAYS | Edge |
|---|---|---|---|
| Price as of 2026-10-20 close | $18.75 | $15.21 | |
| Market cap | $2.0B | $859M | |
| P/E as of 2026-10-20 | 104.17 (earnings are mostly non-operating: 215% of trailing pre-tax income, to 2026-06-30) | 58.50 | |
| Net margin FY2025, SEC XBRL | -2.2% | +9.2% | PAYS higher |
| Gross margin FY2025, SEC XBRL | +70.0% | +59.4% | MQ higher |
| Operating margin FY2025, SEC XBRL | -7.4% | +9.0% | PAYS higher |
| ROE FY2025, SEC XBRL | -1.8% | +15.6% | PAYS higher |
| ROA FY2025, SEC XBRL | -0.9% | +2.7% | PAYS higher |
| Debt / equity filed borrowings, leases excl., balance sheet 2026-06-30 | n/a | 0.09 | |
| Revenue growth (YoY) FY2025, SEC XBRL | +23.3% | +40.5% | PAYS higher |
| Revenue CAGR (3y) SEC XBRL | -5.8% | +29.2% | PAYS higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 0.63 | 1.20 | |
| 1-year return as of 2026-10-20 close | +2.1% | +170.2% | PAYS higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.