Critical Survey: Medical Cannabis Payment Solutions (OTCMKTS:REFG) versus Marqeta (NASDAQ:MQ)

Medical Cannabis Payment Solutions (OTCMKTS:REFG) and Marqeta (NASDAQ:MQ) are both business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, analyst recommendations, profitability, dividends and earnings.

Risk & Volatility

Medical Cannabis Payment Solutions has a beta of -0.65, suggesting that its share price is 165% less volatile than the S&P 500. Comparatively, Marqeta has a beta of 1.35, suggesting that its share price is 35% more volatile than the S&P 500.

Institutional and Insider Ownership

78.6% of Marqeta shares are held by institutional investors. 12.6% of Marqeta shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Medical Cannabis Payment Solutions and Marqeta’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Medical Cannabis Payment Solutions	N/A	N/A	N/A
Marqeta	0.33%	0.27%	0.15%

Analyst Recommendations

This is a summary of current ratings and recommmendations for Medical Cannabis Payment Solutions and Marqeta, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Medical Cannabis Payment Solutions	0	0	0	0	0.00
Marqeta	2	8	1	0	1.91

Marqeta has a consensus target price of $5.22, suggesting a potential upside of 32.46%. Given Marqeta’s stronger consensus rating and higher probable upside, analysts plainly believe Marqeta is more favorable than Medical Cannabis Payment Solutions.

Earnings & Valuation

This table compares Medical Cannabis Payment Solutions and Marqeta”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Medical Cannabis Payment Solutions	N/A	N/A	N/A	N/A	N/A
Marqeta	$651.61 million	2.56	-$13.93 million	$0.01	394.00

Medical Cannabis Payment Solutions has higher earnings, but lower revenue than Marqeta.

Summary

Marqeta beats Medical Cannabis Payment Solutions on 10 of the 10 factors compared between the two stocks.

About Medical Cannabis Payment Solutions

Medical Cannabis Payment Solutions, Inc. develops and markets a payment system for medical cannabis transactions. Its solution assists in the state tracking of sales, collection of tax, and supervision of sales to consumers. The company was incorporated in 2013 and is based in Cheyenne, Wyoming. On August 12, 2024, Medical Cannabis Payment Solutions, Inc. filed a voluntary petition for liquidation under Chapter 7 in the U.S. Bankruptcy Court for the Western District of Pennsylvania.

About Marqeta

Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services. It offers its solutions in various verticals, including financial services, on-demand services, expense management, and e-commerce enablement, as well as buy now, pay later. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.