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MARQETA INC-A (MQ) Stock Fundamental Analysis

NASDAQ:MQ - Nasdaq - US57142B1044 - Common Stock - Currency: USD

5.07  -0.13 (-2.5%)

After market: 5.07 0 (0%)

Fundamental Rating

5

Overall MQ gets a fundamental rating of 5 out of 10. We evaluated MQ against 101 industry peers in the Financial Services industry. MQ has a great financial health rating, but its profitability evaluates not so good. MQ is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MQ had positive earnings in the past year.
In the past year MQ had a positive cash flow from operations.
MQ had negative earnings in 4 of the past 5 years.
Of the past 5 years MQ 4 years had a positive operating cash flow.
MQ Yearly Net Income VS EBIT VS OCF VS FCFMQ Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -100M -200M

1.2 Ratios

MQ's Return On Assets of 1.86% is in line compared to the rest of the industry. MQ outperforms 54.46% of its industry peers.
The Return On Equity of MQ (2.51%) is worse than 69.31% of its industry peers.
Industry RankSector Rank
ROA 1.86%
ROE 2.51%
ROIC N/A
ROA(3y)-7.53%
ROA(5y)-8.4%
ROE(3y)-9.32%
ROE(5y)-10.99%
ROIC(3y)N/A
ROIC(5y)N/A
MQ Yearly ROA, ROE, ROICMQ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

MQ has a Profit Margin (5.38%) which is comparable to the rest of the industry.
With an excellent Gross Margin value of 69.40%, MQ belongs to the best of the industry, outperforming 82.18% of the companies in the same industry.
MQ's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 5.38%
GM 69.4%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y15.71%
GM growth 5Y10.45%
MQ Yearly Profit, Operating, Gross MarginsMQ Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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9

2. Health

2.1 Basic Checks

MQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MQ has been reduced compared to 1 year ago.
Compared to 5 years ago, MQ has less shares outstanding
There is no outstanding debt for MQ. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
MQ Yearly Shares OutstandingMQ Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
MQ Yearly Total Debt VS Total AssetsMQ Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

MQ has an Altman-Z score of 4.01. This indicates that MQ is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of MQ (4.01) is better than 89.11% of its industry peers.
MQ has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 4.01
ROIC/WACCN/A
WACC9.15%
MQ Yearly LT Debt VS Equity VS FCFMQ Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 3.37 indicates that MQ has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.37, MQ belongs to the best of the industry, outperforming 84.16% of the companies in the same industry.
A Quick Ratio of 3.37 indicates that MQ has no problem at all paying its short term obligations.
MQ's Quick ratio of 3.37 is amongst the best of the industry. MQ outperforms 85.15% of its industry peers.
Industry RankSector Rank
Current Ratio 3.37
Quick Ratio 3.37
MQ Yearly Current Assets VS Current LiabilitesMQ Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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5

3. Growth

3.1 Past

MQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.47%, which is quite impressive.
MQ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.02%.
The Revenue has been growing by 28.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)127.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
Revenue 1Y (TTM)-25.02%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%17.89%

3.2 Future

The Earnings Per Share is expected to decrease by -3.80% on average over the next years.
MQ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.13% yearly.
EPS Next Y-332.22%
EPS Next 2Y-70.81%
EPS Next 3Y14.74%
EPS Next 5Y-3.8%
Revenue Next Year16.6%
Revenue Next 2Y19.39%
Revenue Next 3Y19.64%
Revenue Next 5Y17.13%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
MQ Yearly Revenue VS EstimatesMQ Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 500M 1B 1.5B
MQ Yearly EPS VS EstimatesMQ Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 0.2 -0.2 0.4 -0.4

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 50.70 indicates a quite expensive valuation of MQ.
Based on the Price/Earnings ratio, MQ is valued a bit more expensive than 76.24% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.82, MQ is valued quite expensively.
The Forward Price/Earnings Ratio is negative for MQ. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 50.7
Fwd PE N/A
MQ Price Earnings VS Forward Price EarningsMQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50 -100

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as MQ.
Industry RankSector Rank
P/FCF 64.24
EV/EBITDA N/A
MQ Per share dataMQ EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2

4.3 Compensation for Growth

A more expensive valuation may be justified as MQ's earnings are expected to grow with 14.74% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-70.81%
EPS Next 3Y14.74%

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0

5. Dividend

5.1 Amount

MQ does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MARQETA INC-A

NASDAQ:MQ (5/23/2025, 8:37:45 PM)

After market: 5.07 0 (0%)

5.07

-0.13 (-2.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-05 2025-08-05/amc
Inst Owners76.93%
Inst Owner Change-0.56%
Ins Owners5.1%
Ins Owner Change9.37%
Market Cap2.37B
Analysts75
Price Target5.06 (-0.2%)
Short Float %2.67%
Short Ratio1.38
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.17%
Min EPS beat(2)-7.87%
Max EPS beat(2)7.54%
EPS beat(4)3
Avg EPS beat(4)10.93%
Min EPS beat(4)-7.87%
Max EPS beat(4)34.88%
EPS beat(8)4
Avg EPS beat(8)-1.3%
EPS beat(12)7
Avg EPS beat(12)9.32%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-3.29%
Max Revenue beat(2)-0.69%
Revenue beat(4)0
Avg Revenue beat(4)-1.59%
Min Revenue beat(4)-3.29%
Max Revenue beat(4)-0.2%
Revenue beat(8)3
Avg Revenue beat(8)1.2%
Revenue beat(12)5
Avg Revenue beat(12)0.92%
Revenue beat(16)8
Avg Revenue beat(16)2.81%
PT rev (1m)-1.84%
PT rev (3m)-1.62%
EPS NQ rev (1m)-0.23%
EPS NQ rev (3m)8.8%
EPS NY rev (1m)36.34%
EPS NY rev (3m)35.4%
Revenue NQ rev (1m)-0.28%
Revenue NQ rev (3m)1.55%
Revenue NY rev (1m)-1.33%
Revenue NY rev (3m)0.99%
Valuation
Industry RankSector Rank
PE 50.7
Fwd PE N/A
P/S 4.68
P/FCF 64.24
P/OCF 40.81
P/B 2.19
P/tB 2.55
EV/EBITDA N/A
EPS(TTM)0.1
EY1.97%
EPS(NY)-0.05
Fwd EYN/A
FCF(TTM)0.08
FCFY1.56%
OCF(TTM)0.12
OCFY2.45%
SpS1.08
BVpS2.32
TBVpS1.99
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.86%
ROE 2.51%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.38%
GM 69.4%
FCFM 7.29%
ROA(3y)-7.53%
ROA(5y)-8.4%
ROE(3y)-9.32%
ROE(5y)-10.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y15.71%
GM growth 5Y10.45%
F-Score7
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 121.49%
Cap/Sales 4.18%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.44%
Current Ratio 3.37
Quick Ratio 3.37
Altman-Z 4.01
F-Score7
WACC9.15%
ROIC/WACCN/A
Cap/Depr(3y)113.7%
Cap/Depr(5y)97.34%
Cap/Sales(3y)2.19%
Cap/Sales(5y)1.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)127.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
EPS Next Y-332.22%
EPS Next 2Y-70.81%
EPS Next 3Y14.74%
EPS Next 5Y-3.8%
Revenue 1Y (TTM)-25.02%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%17.89%
Revenue Next Year16.6%
Revenue Next 2Y19.39%
Revenue Next 3Y19.64%
Revenue Next 5Y17.13%
EBIT growth 1Y91.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year254.73%
EBIT Next 3Y80.14%
EBIT Next 5Y67.34%
FCF growth 1Y337.22%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y175.64%
OCF growth 3Y0.7%
OCF growth 5YN/A