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Marqeta, Inc. MQ

Technology — Software Infrastructure
Cash Flow Champion (3y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.10
Total sells
2.42
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 — — — — — — —
Sell 1 1 5 2 2 2 4 2 4 2 1 2
Insider Ownership
20.11%

Capital & Financial Ratios

Market Cap
1,650.00
Revenue
677.21
Net Income
10.38
Free Cash Flow
167.20
Net Debt
(739.19)
Current Ratio
1.66
Debt/Equity
0.31
P/E ratio
141.55
P/S ratio
2.42
P/B ratio
2.29
Past 5Y EPS Growth
(16.44%)
This Y EPS Growth
285.11%
Next Y EPS Growth
127.02%
Next 5Y EPS Growth
32.03%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2025 ‡‡‡
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,258.20 1,110.93 1,079.52 961.45
Receivables 103.27 112.97 120.52 102.27
Inventory — — — —
Other — — — —
1,388.70 1,249.30 1,235.32 1,102.11
2023 2024 2025 Q'26
Payables 1.42 0.53 1.85 1.16
ST’ Debt 173.65 193.40 224.53 222.26
Other — — — —
336.58 370.99 749.06 662.30
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow — ‡‡‡‡‡ ‡‡‡
Earnings — ‡‡‡ ‡‡‡
Book Value — ‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 165.80 176.00 — —
—
’25 139.07 150.39 163.31 172.11
624.88
’24 117.97 125.27 127.97 135.79
507.00
’23 217.34 231.12 108.89 118.82
676.17
’22 166.10 186.68 191.62 203.81
748.21
’21 107.98 122.27 131.51 155.41
517.18
’20 48.39 69.40 84.31 88.20
290.29
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (3.37) 63.18 — —
—
’25 9.99 12.55 86.77 53.32
162.62
’24 0.43 25.71 7.28 24.76
58.17
’23 (10.55) (25.97) 41.10 16.52
21.10
’22 (46.76) 22.82 (3.95) 14.93
(12.97)
’21 17.87 (12.06) (4.46) 55.62
56.97
’20 (8.51) 23.22 13.86 21.70
50.27
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (12.44) 54.61 — —
—
’25 2.66 4.67 78.50 46.52
132.36
’24 (6.07) 19.54 2.99 20.50
36.96
’23 (14.15) (29.43) 37.96 14.08
8.45
’22 (47.37) 22.56 (5.38) 13.31
(16.88)
’21 17.27 (12.55) (5.61) 55.13
54.23
’20 (9.05) 22.26 13.21 21.48
47.90
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.08 0.07 — —
—
’25 (0.08) 0.00 (0.04) 0.00
(0.12)
’24 (0.28) 0.92 (0.24) (0.20)
0.20
’23 (0.52) (0.44) (0.40) (0.32)
(1.68)
’22 (0.44) (0.32) (0.40) (0.20)
(1.36)
’21 (0.02) (1.16) (0.32) (0.28)
(1.80)
’20 (0.03) (0.01) (0.02) (0.03)
(0.09)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — ‡‡‡‡‡ 22.56 13.84 13.48 13.90 — — —
Low Price
— — — — — ‡‡‡‡‡ 72.52 30.04 29.44 28.16 — — —
High Price
— — — — ‡‡‡‡‡ ‡‡‡‡‡ 958 771 854 938 — — —
Employees
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.78 0.88 0.59 0.67 — — —
Revenue/Emp
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 748.21 676.17 507.00 624.88 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.77% 48.73% 69.40% 69.98% — — —
Gross Margin
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (184.88) (230.57) 28.08 (13.33) ‡‡‡‡‡ — —
EBT
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (24.71%) (34.10%) 5.54% (2.13%) ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
— ‡‡‡ — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (184.78) (222.96) 27.29 (13.92) ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.13 6.25 14.23 26.41 — — —
Depreciation
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.49 5.08 3.97 5.41 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ (1.36) (1.68) 0.20 (0.12) ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.10) 0.16 0.46 1.41 ‡‡‡‡‡ — —
Cash Flow/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.03) (0.09) (0.17) (0.26) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.12) 0.06 0.29 1.15 — — —
Free CF/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.80 9.34 8.49 6.59 ‡‡‡‡‡ — —
Book Value/Sh
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 136.35 133.14 127.77 115.54 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
— — — ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 75.80 0.00 ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.28 5.36 3.82 3.51 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
— — — ‡‡‡ ‡‡‡ ‡‡‡‡‡ 2.17 2.92 1.79 2.88 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.30 3.77 2.02 2.15 ‡‡‡‡ ‡‡‡‡ ‡‡‡
EV/Sales
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (112.54) 301.44 27.75 10.17 — — —
EV/FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (12.97) 21.10 58.17 162.62 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.92) (12.65) (21.21) (30.26) ‡‡‡‡‡ ‡‡‡‡‡ —
Capex
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (16.88) 8.45 36.96 132.36 ‡‡‡‡‡ — —
FCF
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,463.89 1,052.12 878.31 486.26 — — —
Working Cap'
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 151.19 173.65 193.40 224.53 — — —
Total Debt
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,481.31) (1,084.55) (917.53) (854.99) — — —
Net Debt
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,472.96 1,243.40 1,085.02 761.96 — — —
Sh' Equity
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (10.26%) (13.27%) 1.79% (0.93%) ‡‡‡‡‡ — —
ROA
— — — ‡‡‡ ‡‡‡ ‡‡‡ 0.00% (111.36%) (9.13%) 0.00% — — —
ROIC
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (12.13%) (16.42%) 2.34% (1.51%) ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Marqeta (MQ), the API-driven card issuing powerhouse behind fintech giants like Uber and DoorDash, has ridden a rollercoaster from 2021’s post-IPO peak near $38 to today’s undervalued troughs around multi-year lows. Explosive revenue growth—doubling from 2019 to 2020, then surging 78% in 2021—gave way to 2023-2024 contractions of 10-25% amid fintech layoffs and higher rates, but the story flips with dramatic margin expansion: gross margins hit 69% in 2024, flipping EBT and net income positive for the first time ($27M profit, $0.05 EPS). A fortress balance sheet boasting nearly $1B in net cash underscores resilience, while revenue per employee peaks signal scalable efficiency in a maturing embedded finance world.

Projections paint a rebound—revenue climbing 22% to $619M in 2025, accelerating to 19% CAGR through 2027 alongside FCF surging to $127M—trading at bargain multiples like 3.8x PS and 2x EV/Sales. Yet, insider selling ($17.7M with zero buys) and analyst targets implying just 28% upside temper the hype, echoing dot-com survivors’ lean rebuilds. Cautious optimism rules: a potential 2-3x for patient investors if revenue reaccelerates, but watch execution risks and Q1 2026 for the real pivot.

Read full commentary →

Marqeta, Inc. (MQ) Latest News

News by impact score

Fine-tune

8 Sep

3 , 12:20 PM
Marqeta (MQ) earnings estimates are rising, raising the possibility of stock gains. Rising earnings estimates can moderately influence Marqeta's near-term stock performance and investor sentiment.

12 Aug

3 , 9:41 PM
Marqeta Inc. held its Q2 earnings call featuring five key analyst questions on performance and outlook. Earnings call questions may influence Marqeta's near-term market sentiment and strategy perception.

6 Aug

4 , 12:05 PM
Marqeta expands collaboration with Google to launch new offering in Wallet for Kids. Expansion of Google partnership for new kids wallet product marks major strategic move and product launch that can significantly boost innovation trajectory and investor sentiment.

3 , 7:17 PM
Marqeta expands payments integration with Google Wallet. Development raises questions on whether MQ stock has reached full valuation. Google Wallet expansion adds moderate product reach and innovation without fundamentally shifting company trajectory.

5 Aug

4 , 7:11 AM
Marqeta advances toward GAAP profitability while rolling out new crypto card products that could strengthen its growth outlook and investor appeal. Profitability path combined with crypto card launches represents major strategic progress capable of shifting Marqeta's trajectory.

4 transcript , 1:04 AM
Marqeta Inc reported strong growth and strategic expansion in its Q2 2026 earnings call. Strong growth and expansion signals from earnings call point to major positive trajectory shifts and investor sentiment changes.

3 , 8:16 PM
Marqeta (MQ) partners with Riskified to tackle fraud before card authorization. Partnership strengthens Marqeta fraud prevention and operational capabilities.

3 , 8:30 AM
Marqeta partners with Riskified to improve card issuer authorization decisions and reduce false declines via enhanced risk tools. Partnership strengthens authorization features in core card-issuing business but remains incremental rather than transformative.

4 Aug

3 transcript www.marketbeat.com, 9:04 PM
Marqeta reported Q2 results during its earnings call, covering payment volume growth, revenue trends, customer expansions, and updated guidance for the year ahead. Quarterly results and guidance directly inform near-term financial trajectory and investor positioning.

3 , 8:00 PM
Marqeta reported Q2 earnings with key metrics on revenue, gross profit, and platform volume showing moderate growth amid ongoing operational scaling. Quarterly earnings metrics provide incremental updates to financial trajectory without indicating major strategic shifts.

3 , 4:51 PM
Marqeta’s Q2 CY2026 sales exceeded estimates while quarterly revenue guidance missed expectations. Mixed sales beat and guidance miss typically creates moderate short-term stock volatility without altering long-term trajectory.

3 Aug

3 , 7:41 AM
Marqeta (MQ) outlines Q2 performance metrics, revenue expectations and strategic updates ahead of its earnings release. Q2 earnings preview can moderately affect investor sentiment and near-term stock movements for Marqeta.

21 Jul

3 , 3:00 AM
Expensify expands collaboration with Marqeta to launch card offering in Europe. European market expansion via existing partnership moderately supports Marqeta revenue growth.

14 Jul

3 , 3:10 PM
Marqeta (MQ) faces potential investor responses as AI-focused flows shift toward payments software. Shifts in AI flows toward payments software may moderately influence Marqeta's market performance.

6 Jun

3 Simply Wall St., 11:12 AM
Marqeta expands its European money movement platform to support broader embedded finance services and cross-border payments. European expansion represents a moderate strategic step that may improve product reach without fundamentally shifting company trajectory.

5 Jun

4 Insider Monkey, 5:02 PM
Marqeta expands embedded payments offering across Europe. European expansion of core payments platform drives material revenue growth and competitive gains.

2 Jun

4 Insider Monkey, 10:51 AM
Marqeta expands its account and money movement tools into 30 additional European countries. Expansion into 30 new European countries boosts Marqeta's international revenue potential and market reach.

3 Business Wire, 4:00 AM
Marqeta research shows consumer and SMB credit behavior has moved beyond traditional models, opening new opportunities for credit providers. Marqeta research on evolving credit patterns signals moderate positioning upside without immediate financial or operational shifts.

27 May

4 Insider Monkey, 5:17 PM
Marqeta Inc reports first GAAP profit. Company identifies stablecoin cards as key future growth area. First GAAP profit plus stablecoin card plans mark major financial and strategic advances.

26 May

3 Business Wire, 4:00 AM
Marqeta expands account and money movement offering in Europe, building on strong regional momentum. European service expansion supports moderate revenue growth and user acquisition without altering core trajectory.

8 May

4 Simply Wall St., 8:15 AM
Marqeta returns to GAAP profitability while forecasting double-digit growth, drawing focus to its valuation. Return to GAAP profitability and double-digit growth outlook represent major financial milestones boosting investor sentiment and stock trajectory.

3 Business Wire, 9:00 AM
Marqeta, Inc. (MQ) appointed Lukasz Strozek as Chief Technology Officer. Appointing a new CTO influences technology strategy, innovation, and competitive positioning.

7 May

4 Simply Wall St., 2:39 PM
Marqeta, Inc. reported a surprise profit, confounding analyst expectations in its latest results. Surprise profit signals strong financial turnaround, likely boosting stock price and investor sentiment significantly.

6 May

4 app.moby.co, 8:30 AM
Marqeta, Inc. (MQ) Q1 2026 earnings call summary details quarterly financial results, growth metrics, strategic updates, and forward guidance. Q1 2026 earnings call summary discloses key financials and guidance that significantly shape investor expectations and stock performance.

5 May

4 www.marketbeat.com, 9:35 PM
Marqeta's Q1 earnings call highlights key financial results, growth metrics, and forward guidance for the modern card issuing platform. Q1 earnings highlights detail financial performance and strategic outlook, significantly shaping investor expectations and market trajectory.

4 Zacks, 7:00 PM
Marqeta (MQ) reported Q1 earnings, analyzing key metrics for insights into performance. Q1 earnings reports significantly affect financial performance, investor sentiment, and stock trajectory via key metrics.

4 transcript www.fool.com, 6:20 PM
Marqeta (MQ) Q1 2026 earnings call transcript details quarterly financial results, revenue growth, profitability metrics, management commentary on platform performance, customer expansions, and forward-looking guidance amid competitive fintech landscape. Q1 2026 earnings transcript discloses financial performance, strategic initiatives, and guidance directly impacting Marqeta's market valuation and investor outlook.

4 StockStory, 4:43 PM
Marqeta (NASDAQ:MQ) posted better-than-expected sales in Q1 CY2026. Better-than-expected Q1 CY2026 sales signal strong financial performance likely to enhance investor sentiment and stock trajectory.

4 Business Wire, 4:05 PM
Marqeta, Inc. (MQ) reported first quarter 2026 financial results. Quarterly earnings reports directly shape investor sentiment, stock valuation, and future performance expectations for Marqeta.

10 Apr

4 Simply Wall St., 5:19 AM
Marqeta launches AI-powered fraud scoring engine, sparking debate on whether it transforms the investment case for MQ by enhancing fraud detection and competitive positioning. Launch of AI fraud scoring engine targets core fintech pain point, likely driving significant improvements in product efficacy and investor sentiment.
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