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MARA vs. XP: A Head-to-Head Stock Comparison

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Here’s a clear look at MARA and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolMARAXP
Company NameMARA Holdings, Inc.XP Inc.
CountryUnited StatesCayman Islands
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareCapital Markets
Market Capitalization6.89 billion USD9.89 billion USD
ExchangeNasdaqCMNasdaqGS
Listing DateMay 4, 2012December 11, 2019
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of MARA and XP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MARA vs. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMARAXP
5-Day Price Return15.81%-2.19%
13-Week Price Return18.54%-6.98%
26-Week Price Return36.44%26.45%
52-Week Price Return14.73%3.24%
Month-to-Date Return1.92%3.58%
Year-to-Date Return10.97%58.57%
10-Day Avg. Volume73.40M6.35M
3-Month Avg. Volume52.66M6.29M
3-Month Volatility67.87%38.36%
Beta5.441.11

Profitability

Return on Equity (TTM)

MARA

17.52%

Software Industry

Max
66.28%
Q3
21.28%
Median
9.33%
Q1
-8.77%
Min
-48.16%

MARA’s Return on Equity of 17.52% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.

XP

23.24%

Capital Markets Industry

Max
38.97%
Q3
22.24%
Median
13.52%
Q1
8.61%
Min
-4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 23.24% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

MARA vs. XP: A comparison of their Return on Equity (TTM) against their respective Software and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

MARA

85.02%

Software Industry

Max
51.92%
Q3
19.23%
Median
6.98%
Q1
-7.14%
Min
-41.00%

MARA’s Net Profit Margin of 85.02% is exceptionally high, placing it well beyond the typical range for the Software industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

XP

28.02%

Capital Markets Industry

Max
69.91%
Q3
37.24%
Median
24.30%
Q1
13.06%
Min
-15.18%

XP’s Net Profit Margin of 28.02% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

MARA vs. XP: A comparison of their Net Profit Margin (TTM) against their respective Software and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

MARA

40.16%

Software Industry

Max
60.40%
Q3
21.25%
Median
9.90%
Q1
-4.97%
Min
-43.50%

An Operating Profit Margin of 40.16% places MARA in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

XP

33.11%

Capital Markets Industry

Max
84.86%
Q3
47.16%
Median
32.23%
Q1
18.65%
Min
-21.87%

XP’s Operating Profit Margin of 33.11% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

MARA vs. XP: A comparison of their Operating Profit Margin (TTM) against their respective Software and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolMARAXP
Return on Equity (TTM)17.52%23.24%
Return on Assets (TTM)11.06%1.42%
Net Profit Margin (TTM)85.02%28.02%
Operating Profit Margin (TTM)40.16%33.11%
Gross Profit Margin (TTM)-26.24%--

Financial Strength

Current Ratio (MRQ)

MARA

0.54

Software Industry

Max
4.29
Q3
2.37
Median
1.40
Q1
1.03
Min
0.25

MARA’s Current Ratio of 0.54 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

XP

0.20

Capital Markets Industry

Max
3.37
Q3
1.81
Median
1.01
Q1
0.56
Min
0.04

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MARA vs. XP: A comparison of their Current Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

MARA

0.54

Software Industry

Max
2.16
Q3
0.86
Median
0.31
Q1
0.00
Min
0.00

MARA’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

XP

4.20

Capital Markets Industry

Max
6.52
Q3
2.79
Median
0.96
Q1
0.28
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

MARA vs. XP: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

MARA

10.78

Software Industry

Max
89.65
Q3
32.64
Median
1.00
Q1
-9.84
Min
-71.23

MARA’s Interest Coverage Ratio of 10.78 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

XP

7.81

Capital Markets Industry

Max
107.59
Q3
48.41
Median
10.85
Q1
4.56
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

MARA vs. XP: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolMARAXP
Current Ratio (MRQ)0.540.20
Quick Ratio (MRQ)0.440.15
Debt-to-Equity Ratio (MRQ)0.544.20
Interest Coverage Ratio (TTM)10.787.81

Growth

Revenue Growth

MARA vs. XP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MARA vs. XP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MARA

0.00%

Software Industry

Max
0.22%
Q3
0.11%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

XP

6.91%

Capital Markets Industry

Max
9.02%
Q3
4.54%
Median
2.55%
Q1
1.27%
Min
0.00%

With a Dividend Yield of 6.91%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

MARA vs. XP: A comparison of their Dividend Yield (TTM) against their respective Software and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

MARA

0.00%

Software Industry

Max
3.29%
Q3
2.41%
Median
0.00%
Q1
0.00%
Min
0.00%

MARA has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

XP

172.60%

Capital Markets Industry

Max
199.38%
Q3
99.28%
Median
60.67%
Q1
32.00%
Min
0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

MARA vs. XP: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolMARAXP
Dividend Yield (TTM)0.00%6.91%
Dividend Payout Ratio (TTM)0.00%172.60%

Valuation

Price-to-Earnings Ratio (TTM)

MARA

10.17

Software Industry

Max
145.74
Q3
94.88
Median
45.35
Q1
26.66
Min
8.80

In the lower quartile for the Software industry, MARA’s P/E Ratio of 10.17 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

XP

10.41

Capital Markets Industry

Max
51.69
Q3
29.42
Median
17.58
Q1
12.55
Min
5.59

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 10.41 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

MARA vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

MARA

8.65

Software Industry

Max
25.67
Q3
13.68
Median
8.28
Q1
4.95
Min
0.90

MARA’s P/S Ratio of 8.65 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

XP

2.92

Capital Markets Industry

Max
14.65
Q3
7.29
Median
4.53
Q1
2.26
Min
0.04

XP’s P/S Ratio of 2.92 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

MARA vs. XP: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

MARA

1.15

Software Industry

Max
30.67
Q3
14.92
Median
8.52
Q1
3.89
Min
0.38

MARA’s P/B Ratio of 1.15 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

XP

2.55

Capital Markets Industry

Max
10.83
Q3
5.12
Median
2.66
Q1
1.19
Min
0.37

XP’s P/B Ratio of 2.55 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

MARA vs. XP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolMARAXP
Price-to-Earnings Ratio (TTM)10.1710.41
Price-to-Sales Ratio (TTM)8.652.92
Price-to-Book Ratio (MRQ)1.152.55
Price-to-Free Cash Flow Ratio (TTM)1,725.883.96