Looking back on finance and hr software stocks’ Q4 earnings, we examine this quarter’s best and worst performers, including Marqeta (NASDAQ: MQ) and its peers.

Organizations are constantly looking to improve organizational efficiencies, whether it is financial planning, tax management or payroll. Finance and HR software benefit from the SaaS-ification of businesses, large and small, who much prefer the flexibility of cloud-based, web-browser delivered software paid for on a subscription basis than the hassle and expense of purchasing and managing on-premise enterprise software.

The 12 finance and hr software stocks we track reported a strong Q4. As a group, revenues beat analysts’ consensus estimates by 1.8% while next quarter’s revenue guidance was in line.

In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results.

Marqeta (NASDAQ: MQ)

Powering the cards behind innovative fintech services like Block's Cash App, Marqeta (NASDAQ: MQ) provides a cloud-based platform that allows businesses to create customized payment card programs and process card transactions.

Marqeta reported revenues of $172.1 million, up 26.7% year on year. This print exceeded analysts’ expectations by 3%. Overall, it was a strong quarter for the company with a solid beat of analysts’ EBITDA estimates and a decent beat of analysts’ revenue estimates.

Unsurprisingly, the stock is down 2.6% since reporting and currently trades at $4.05.

Is now the time to buy Marqeta? Access our full analysis of the earnings results here, it’s free.

Best Q4: Flywire (NASDAQ: FLYW)

Initially created to solve the challenges of international student tuition payments, Flywire (NASDAQ: FLYW) provides specialized payment processing and software solutions that help educational institutions, healthcare systems, travel companies, and businesses manage complex payments.

Flywire reported revenues of $152.7 million, up 35.4% year on year, outperforming analysts’ expectations by 5.9%. The business had an exceptional quarter with a solid beat of analysts’ EBITDA estimates and an impressive beat of analysts’ revenue estimates.

Flywire pulled off the biggest analyst estimates beat and fastest revenue growth among its peers. The market seems happy with the results as the stock is up 13.4% since reporting. It currently trades at $12.75.

Is now the time to buy Flywire? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: Paycom (NYSE: PAYC)

Pioneering the concept of employees doing their own payroll with its "Beti" technology, Paycom (NYSE: PAYC) provides cloud-based human capital management software that helps businesses manage the entire employment lifecycle from recruitment to retirement.

Paycom reported revenues of $544.3 million, up 10.2% year on year, in line with analysts’ expectations. It was a slower quarter as it posted full-year revenue guidance missing analysts’ expectations significantly and full-year guidance of slowing revenue growth.

Interestingly, the stock is up 5.9% since the results and currently trades at $125.72.

Read our full analysis of Paycom’s results here.

Paylocity (NASDAQ: PCTY)

Operating in a field where companies traditionally juggled multiple disconnected systems, Paylocity (NASDAQ: PCTY) provides cloud-based human capital management and payroll software solutions that help businesses manage their workforce and HR processes.

Paylocity reported revenues of $416.1 million, up 10.4% year on year. This result beat analysts’ expectations by 1.9%. Overall, it was a strong quarter as it also produced an impressive beat of analysts’ EBITDA estimates and full-year EBITDA guidance slightly topping analysts’ expectations.

The stock is down 13.9% since reporting and currently trades at $109.40.

Read our full, actionable report on Paylocity here, it’s free.

BILL (NYSE: BILL)

Transforming the messy back-office financial operations that plague small business owners, BILL (NYSE: BILL) provides a cloud-based platform that automates accounts payable, accounts receivable, and expense management for small and midsize businesses.

BILL reported revenues of $414.7 million, up 14.4% year on year. This number topped analysts’ expectations by 3.7%. It was an exceptional quarter as it also put up EPS guidance for next quarter exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates.

The stock is up 11.3% since reporting and currently trades at $39.71.

Read our full, actionable report on BILL here, it’s free.

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