Marqeta Inc vs SAP SE — how do they compare? Marqeta Inc trades at $17.74 (market cap $1.82B), while SAP SE trades at $215.44 (market cap $238.67B). The key difference: SAP SE is far larger — about 131.1× Marqeta Inc's market cap, and SAP SE pays a 1.38% dividend while Marqeta Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Marqeta Inc for 44 Days and SAP SE for 118 Days on average.
| MQ | SAP | |
|---|---|---|
Market Cap | $1.82B | $238.67B |
Volume | 1,126,466 | 2,252,662 |
Sector | Technology | Technology |
52-Week High | $20.32 | $280.46 |
52-Week Low | $15.04 | $146.38 |
Typical Hold Time | 44 Days | 118 Days |
Enterprise Value | $1.13B | $237.42B |
Dividend Yield | — | 1.38% |
Signals from Pluang's Aura AI — not financial advice
MQ trades at $17.06, up 3.08% today, with a bullish technical signal from moving averages. The company has beaten EPS estimates for three consecutive quarters, with Q3 2026 results expected soon. Revenue is projected to grow to $677 million in 2026, and net income turned positive in 2024 before a slight loss in 2025. Recent partnerships with BVNK for stablecoin-card infrastructure and Google for wallet expansion highlight strategic growth initiatives.
MQ shows improving fundamentals with revenue growth and recent profitability, but high valuation ratios (P/E of 193.83) pose a risk. The consensus price target of $11.38 suggests potential downside, though some analysts see upside to $18.00. Key risks include contract renewals in Q3 2026 and competitive pressures in the fintech sector. The stock's outlook hinges on execution of growth initiatives and sustained earnings improvements.
SAP trades at $210.13, down slightly by 0.16% on the day. The stock shows strong fundamentals with 2025 revenue of $36.80 billion and net income of $7.16 billion, yielding a net margin of 20.41%. Recent earnings beat estimates in Q4 2025 and Q1 2026 but missed in Q2 2026. Technical indicators are bullish on moving averages, with support near $209 and resistance at $213. Analyst consensus is a buy with a $253.40 price target, implying significant upside.
Outlook remains positive driven by cloud revenue growth and AI integration, though risks include competitive pressures and execution challenges. The stock offers value with a P/E of 28.26, below the software sector average, and robust cash flow generation supports shareholder returns via buybacks.
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Headquartered in Oakland, California, and founded in 2010, Marqeta provides its clients with a card-issuing platform that offers the infrastructure and tools necessary to offer digital, physical, and tokenized payment options without the need for a traditional bank. The company's open APIs are designed to allow third parties like DoorDash, Klarna, and Block to rapidly develop and deploy innovative card-based products and payment services without the need to develop the underlying technology. The company generates revenue primarily through processing and ATM fees for cards issued on its platform.
Read more on MQ →Founded in 1972 by former IBM employees, SAP provides database technology and enterprise resource planning software to enterprises around the world. Across more than 180 countries, the company serves 440,000 customers, approximately 80% of which are small to medium-size enterprises.
Read more on SAP →