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MARQETA INC-A (MQ) Stock Fundamental Analysis

USA - NASDAQ:MQ - US57142B1044 - Common Stock

5.56 USD
-0.17 (-2.97%)
Last: 9/23/2025, 5:30:31 PM
5.56 USD
0 (0%)
After Hours: 9/23/2025, 5:30:31 PM
Fundamental Rating

5

Taking everything into account, MQ scores 5 out of 10 in our fundamental rating. MQ was compared to 101 industry peers in the Financial Services industry. MQ has a great financial health rating, but its profitability evaluates not so good. While showing a medium growth rate, MQ is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MQ had negative 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

The Return On Assets of MQ (-5.32%) is worse than 86.14% of its industry peers.
Looking at the Return On Equity, with a value of -7.67%, MQ is doing worse than 81.19% of the companies in the same industry.
Industry RankSector Rank
ROA -5.32%
ROE -7.67%
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

With an excellent Gross Margin value of 70.69%, MQ belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
In the last couple of years the Gross Margin of MQ has grown nicely.
MQ does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 70.69%
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.
MQ has less shares outstanding than it did 1 year ago.
MQ has less shares outstanding than it did 5 years ago.
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.
MQ has a Altman-Z score of 4.01. This is amongst the best in the industry. MQ outperforms 87.13% of its industry peers.
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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 4.01
ROIC/WACCN/A
WACC8.79%
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 2.74 indicates that MQ has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.74, MQ belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
A Quick Ratio of 2.74 indicates that MQ has no problem at all paying its short term obligations.
MQ has a Quick ratio of 2.74. This is amongst the best in the industry. MQ outperforms 82.18% of its industry peers.
Industry RankSector Rank
Current Ratio 2.74
Quick Ratio 2.74
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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6

3. Growth

3.1 Past

The earnings per share for MQ have decreased strongly by -441.67% in the last year.
Looking at the last year, MQ shows a quite strong growth in Revenue. The Revenue has grown by 17.47% in the last year.
MQ shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 28.75% yearly.
EPS 1Y (TTM)-441.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)17.47%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%20.05%

3.2 Future

The Earnings Per Share is expected to grow by 31.38% on average over the next years. This is a very strong growth
MQ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.96% yearly.
EPS Next Y-213.3%
EPS Next 2Y-42.41%
EPS Next 3Y39.65%
EPS Next 5Y31.38%
Revenue Next Year18.37%
Revenue Next 2Y19.75%
Revenue Next 3Y19.99%
Revenue Next 5Y15.96%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

The Price/Earnings Ratio is negative for MQ. In the last year negative earnings were reported.
Also next year MQ is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
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 -1K -2K -3K

4.2 Price Multiples

MQ's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 80.85
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

4.3 Compensation for Growth

A more expensive valuation may be justified as MQ's earnings are expected to grow with 39.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-42.41%
EPS Next 3Y39.65%

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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 (9/23/2025, 5:30:31 PM)

After market: 5.56 0 (0%)

5.56

-0.17 (-2.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-03 2025-11-03/amc
Inst Owners79.59%
Inst Owner Change-16.16%
Ins Owners6.06%
Ins Owner Change18.11%
Market Cap2.49B
Analysts74.29
Price Target6.99 (25.72%)
Short Float %4.06%
Short Ratio3.43
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)2
Avg EPS beat(2)75.16%
Min EPS beat(2)50.33%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)37.5%
Min EPS beat(4)-7.87%
Max EPS beat(4)100%
EPS beat(8)6
Avg EPS beat(8)23.52%
EPS beat(12)7
Avg EPS beat(12)15.22%
EPS beat(16)11
Avg EPS beat(16)28.43%
Revenue beat(2)1
Avg Revenue beat(2)1.56%
Min Revenue beat(2)-0.89%
Max Revenue beat(2)4.01%
Revenue beat(4)1
Avg Revenue beat(4)-0.22%
Min Revenue beat(4)-3.29%
Max Revenue beat(4)4.01%
Revenue beat(8)3
Avg Revenue beat(8)1.35%
Revenue beat(12)5
Avg Revenue beat(12)1.13%
Revenue beat(16)8
Avg Revenue beat(16)1.91%
PT rev (1m)18.31%
PT rev (3m)30.5%
EPS NQ rev (1m)5.7%
EPS NQ rev (3m)20.81%
EPS NY rev (1m)32.1%
EPS NY rev (3m)51.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)1.58%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.5
P/FCF 80.85
P/OCF 45.67
P/B 2.95
P/tB 3.6
EV/EBITDA N/A
EPS(TTM)-0.13
EYN/A
EPS(NY)0
Fwd EYN/A
FCF(TTM)0.07
FCFY1.24%
OCF(TTM)0.12
OCFY2.19%
SpS1.23
BVpS1.88
TBVpS1.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -5.32%
ROE -7.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 70.69%
FCFM 5.57%
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-Score6
Asset Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 108.18%
Cap/Sales 4.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.74
Quick Ratio 2.74
Altman-Z 4.01
F-Score6
WACC8.79%
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)-441.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y-213.3%
EPS Next 2Y-42.41%
EPS Next 3Y39.65%
EPS Next 5Y31.38%
Revenue 1Y (TTM)17.47%
Revenue growth 3Y-0.66%
Revenue growth 5Y28.75%
Sales Q2Q%20.05%
Revenue Next Year18.37%
Revenue Next 2Y19.75%
Revenue Next 3Y19.99%
Revenue Next 5Y15.96%
EBIT growth 1Y-51.41%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year316.49%
EBIT Next 3Y86.99%
EBIT Next 5Y67.34%
FCF growth 1Y186.44%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y313.58%
OCF growth 3Y0.7%
OCF growth 5YN/A