MARQETA INC-A (MQ) Stock Fundamental Analysis

NASDAQ:MQ • US57142B1044

3.89 USD
+0.05 (+1.3%)
At close: Mar 2, 2026
3.92 USD
+0.03 (+0.77%)
Pre-Market: 3/3/2026, 5:02:49 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MQ. MQ was compared to 97 industry peers in the Financial Services industry. MQ scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. MQ is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • MQ had negative earnings in the past year.
  • MQ had a positive operating cash flow in the past year.
  • MQ had negative earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: MQ reported negative operating cash flow in multiple years.
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 has a worse Return On Assets (-2.66%) than 81.44% of its industry peers.
  • The Return On Equity of MQ (-4.71%) is worse than 75.26% of its industry peers.
Industry RankSector Rank
ROA -2.66%
ROE -4.71%
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 Gross Margin of 70.60%. This is amongst the best in the industry. MQ outperforms 80.41% of its industry peers.
  • 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 70.6%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • MQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 1.46. This is a bad value and indicates that MQ is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.46, MQ is doing good in the industry, outperforming 70.10% of the companies in the same industry.
  • The Debt to FCF ratio of MQ is 0.07, which is an excellent value as it means it would take MQ, only 0.07 years of fcf income to pay off all of its debts.
  • MQ has a better Debt to FCF ratio (0.07) than 90.72% of its industry peers.
  • A Debt/Equity ratio of 0.01 indicates that MQ is not too dependend on debt financing.
  • MQ's Debt to Equity ratio of 0.01 is amongst the best of the industry. MQ outperforms 87.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.07
Altman-Z 1.46
ROIC/WACCN/A
WACC8.61%
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 1.88 indicates that MQ should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.88, MQ is in the better half of the industry, outperforming 74.23% of the companies in the same industry.
  • MQ has a Quick Ratio of 1.88. This is a normal value and indicates that MQ is financially healthy and should not expect problems in meeting its short term obligations.
  • MQ has a Quick ratio of 1.88. This is in the better half of the industry: MQ outperforms 75.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.88
Quick Ratio 1.88
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • MQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -160.00%.
EPS 1Y (TTM)-160%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%26.75%

3.2 Future

  • Based on estimates for the next years, MQ will show a very strong growth in Earnings Per Share. The EPS will grow by 64.26% on average per year.
  • Based on estimates for the next years, MQ will show a quite strong growth in Revenue. The Revenue will grow by 12.99% on average per year.
EPS Next Y131.21%
EPS Next 2Y126.3%
EPS Next 3Y93.42%
EPS Next 5Y64.26%
Revenue Next Year14.96%
Revenue Next 2Y15.71%
Revenue Next 3Y15.79%
Revenue Next 5Y12.99%

3.3 Evolution

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 2033 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 2033 0 0.2 -0.2 0.4 -0.4

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • MQ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 415.48, which means the current valuation is very expensive for MQ.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MQ indicates a slightly more expensive valuation: MQ is more expensive than 78.35% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. MQ is valued rather expensively when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 415.48
MQ Price Earnings VS Forward Price EarningsMQ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 100 -100 200 300 400

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MQ is valued a bit cheaper than 60.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.55
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MQ does not grow enough to justify the current Price/Earnings ratio.
  • MQ's earnings are expected to grow with 93.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y126.3%
EPS Next 3Y93.42%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for MQ!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

MARQETA INC-A

NASDAQ:MQ (3/2/2026, 8:00:00 PM)

Premarket: 3.92 +0.03 (+0.77%)

3.89

+0.05 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-05
Inst Owners82.1%
Inst Owner Change-11.58%
Ins Owners6.25%
Ins Owner Change5.18%
Market Cap1.66B
Revenue(TTM)N/A
Net Income(TTM)-39.53M
Analysts70
Price Target5.6 (43.96%)
Short Float %4.82%
Short Ratio4.33
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)71.44%
Min EPS beat(2)42.89%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)50.19%
Min EPS beat(4)7.54%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)30.73%
EPS beat(12)8
Avg EPS beat(12)19.13%
EPS beat(16)11
Avg EPS beat(16)25.31%
Revenue beat(2)2
Avg Revenue beat(2)5.25%
Min Revenue beat(2)4.01%
Max Revenue beat(2)6.49%
Revenue beat(4)2
Avg Revenue beat(4)2.23%
Min Revenue beat(4)-0.89%
Max Revenue beat(4)6.49%
Revenue beat(8)3
Avg Revenue beat(8)0.81%
Revenue beat(12)5
Avg Revenue beat(12)1.43%
Revenue beat(16)8
Avg Revenue beat(16)1.89%
PT rev (1m)0%
PT rev (3m)-7.57%
EPS NQ rev (1m)0%
EPS NQ rev (3m)76.92%
EPS NY rev (1m)-1.5%
EPS NY rev (3m)33.95%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 415.48
P/S 2.82
P/FCF 15.55
P/OCF 12.37
P/B 1.98
P/tB 2.63
EV/EBITDA N/A
EPS(TTM)-0.03
EYN/A
EPS(NY)0.01
Fwd EY0.24%
FCF(TTM)0.25
FCFY6.43%
OCF(TTM)0.31
OCFY8.08%
SpS1.38
BVpS1.96
TBVpS1.48
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -2.66%
ROE -4.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 70.6%
FCFM 18.15%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.4
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.07
Debt/EBITDA N/A
Cap/Depr 114.41%
Cap/Sales 4.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.88
Quick Ratio 1.88
Altman-Z 1.46
F-Score6
WACC8.61%
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)-160%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y131.21%
EPS Next 2Y126.3%
EPS Next 3Y93.42%
EPS Next 5Y64.26%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%26.75%
Revenue Next Year14.96%
Revenue Next 2Y15.71%
Revenue Next 3Y15.79%
Revenue Next 5Y12.99%
EBIT growth 1Y-73.97%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year357.15%
EBIT Next 3Y85.05%
EBIT Next 5Y67.34%
FCF growth 1Y1292.95%
FCF growth 3Y-12%
FCF growth 5YN/A
OCF growth 1Y588.72%
OCF growth 3Y0.7%
OCF growth 5YN/A

MARQETA INC-A / MQ FAQ

What is the ChartMill fundamental rating of MARQETA INC-A (MQ) stock?

ChartMill assigns a fundamental rating of 3 / 10 to MQ.


What is the valuation status for MQ stock?

ChartMill assigns a valuation rating of 3 / 10 to MARQETA INC-A (MQ). This can be considered as Overvalued.


How profitable is MARQETA INC-A (MQ) stock?

MARQETA INC-A (MQ) has a profitability rating of 2 / 10.