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Marqeta, Inc.
Nasdaq · CIK 1522540
Last close16.55
Daily change-0.45 (-2.65%)
10 Years gain-86.44%
Dividends TTM0
Dividend yield0.00%
Fundamental Analysis
MQ · STANDARD
SIC 7372 · Services-Prepackaged Software · Fiscal year end 1231
Fundamental
56.6Momentum
44.9Acceleration
43.8Confidence
83.0Annual Revenue7
Quarterly Revenue19
Annual CFO7
Balance SheetAvailable
RankingEligible
Score Breakdown
Growth11.8 / 25
Quality19.8 / 25
Capital Efficiency0.0 / 20
Balance Sheet15.0 / 15
Shareholder Economics10.0 / 10
Forward Indicators0.0 / 5
Signals
Gross margin expansionGross margin improved by 0.8383 percentage points.
Net debt reductionNet debt declined versus the comparison period.
Share count reductionDiluted share count declined 78.6927%.
Warnings
Receivables anomaly · MEDIUMAccounts receivable growth is materially above revenue growth.
Possible growth trap · HIGHRevenue growth is high, but quality indicators are deteriorating.
Key Metrics
Revenue Growth TTM28.46%OK
Revenue CAGR 3Y-5.83%OK
Gross Margin69.88%OK
Operating Margin-2.12%OK
FCF Marginn/aMISSING
FCF Growthn/aINSUFFICIENT_HISTORY
ROIC-2.92%OK
Incremental Operating Margin 3Y400.03%OK
Net Debt / CFOn/aNOT_MEANINGFUL
Diluted Share Growth 1Y-78.69%OK
SBC / Revenuen/aMISSING
SBC / FCFn/aNOT_MEANINGFUL
Financial History
| Period | Revenue | Gross Profit | Operating Income | CFO | FCF | Gross Margin | Op Margin | FCF Margin | ROIC | Shares |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 FY Dec 31, 2025 | $624.88M | $437.27M | -$46.43M | $162.62M | $160.79M | 69.98% | -7.43% | 25.73% | n/a | 462.17M |
| 2025 FY Dec 31, 2024 | $507.00M | $351.85M | -$24.47M | $58.17M | $55.75M | 69.4% | -4.83% | 11% | n/a | 518.85M |
| 2025 FY Dec 31, 2023 | $676.17M | $329.51M | -$283.02M | $21.10M | $20.34M | 48.73% | -41.86% | 3.01% | n/a | 532.54M |
| 2024 FY Dec 31, 2022 | $748.21M | $320.00M | -$209.81M | -$12.97M | -$15.29M | 42.77% | -28.04% | -2.04% | n/a | 545.4M |
| 2023 FY Dec 31, 2021 | $517.18M | $231.71M | -$162.01M | $56.97M | $54.23M | 44.8% | -31.33% | 10.49% | n/a | 362.76M |
Formula Trace
| Metric | Value | Formula | Status | Source |
|---|---|---|---|---|
| Revenue TTM | $655.49M | sum latest 4 fiscal quarters Revenue | OK | 0001522540-26-000063, 0001522540-25-000035 |
| Revenue Growth TTM | 28.46% | Revenue_TTM / Revenue_TTM_1Y_ago - 1 | OK | 0001522540-26-000063, 0001522540-25-000035 |
| Revenue CAGR 3Y | -5.83% | (Revenue_current / Revenue_3Y_ago)^(1/3) - 1 | OK | 0001522540-26-000017 |
| Revenue CAGR 5Y | 16.57% | (Revenue_current / Revenue_5Y_ago)^(1/5) - 1 | OK | 0001522540-26-000017 |
| Gross Profit CAGR 3Y | 10.97% | (GrossProfit_current / GrossProfit_3Y_ago)^(1/3) - 1 | OK | 0001522540-26-000017 |
| Operating Income Growth | n/a | OperatingIncome_current / OperatingIncome_prior_year - 1 | INSUFFICIENT_HISTORY | 0001522540-26-000063, 0001522540-25-000035 |
| FCF Growth | n/a | FCF_current / FCF_prior_year - 1 | INSUFFICIENT_HISTORY | derived |
| Revenue Growth Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Profit Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Operating Income Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| FCF Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Margin | 69.88% | Gross Profit / Revenue | OK | 0001522540-26-000063, 0001522540-25-000035 |
| Operating Margin | -2.12% | Operating Income / Revenue | OK | 0001522540-26-000063, 0001522540-25-000035 |
| ROIC | -2.92% | NOPAT / Average Invested Capital | OK | 0001522540-26-000063, 0001522540-25-000035 |
| Net Debt / CFO | n/a | Net Debt / CFO | NOT_MEANINGFUL | 0001522540-26-000063 |
| Current Ratio | 1.66x | Current Assets / Current Liabilities | OK | derived |
| Revenue per Diluted Share | $6.14 | Revenue / Diluted Shares | OK | 0001522540-26-000063, 0001522540-25-000035 |
| SBC / FCF | n/a | SBC / FCF | NOT_MEANINGFUL | derived |