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Marqeta, Inc.

Marqeta, Inc.

NASDAQ•MQ
CEO: Mr. Simon Khalaf
Sector: Technology
Industry: Software - Infrastructure
Listing Date: 2021-06-09
Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services. It offers its solutions in various verticals, including financial services, on-demand services, expense management, and e-commerce enablement, as well as buy now, pay later. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.
Contact Information
180 Grand Avenue, 6th Floor, Oakland, CA, 94612, United States
888-462-7738
www.marqeta.com
Market Cap
$2.14B
P/E (TTM)
-34.7
71.7
Dividend Yield
--
52W High
$7.04
52W Low
$3.48
52W Range
39%
Rank55Top 68.5%
3.0
F-Score
Modified Piotroski Analysis
Based on 6-year fundamentals
Weak • 3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2019-2024

Financial Dashboard

Q3 2025 Data

Revenue

$163.31M+27.62%
4-Quarter Trend

EPS

-$0.01-82.30%
4-Quarter Trend

FCF

$78.50M+2529.07%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Q3 Revenue Growth Net revenue reached $163.31M, up 28% versus prior year; TPV increased 33% to $97.96B.
Significant Net Loss Improvement Three-month net loss narrowed substantially to $(3.62)M from $(28.64)M; net loss margin improved to (2)%.
European Expansion Completed Acquired TransactPay for $59.91M preliminary price, strengthening European card program management capabilities.

Risk Factors

High Customer Revenue Concentration Largest customer accounted for 44% of Q3 net revenue, posing material concentration risk to performance.
Legal Contingency Expense Recorded Recognized $4.3M legal contingency expense related to the securities class action settlement reached in principle.
Operating Expenses Increased Sharply Nine-month total operating expenses surged 48% to $355.43M, driven by acquisition and integration costs.

Outlook

Sufficient Liquidity Maintained Cash and investments totaling $830.5M expected to fund operations for at least the next twelve months.
Share Repurchase Availability $87.6M remains authorized for future Class A common stock repurchases under the 2025 Program.
Platform Development Focus Plans include continued investment in product development, infrastructure enhancements, and global expansion efforts.

Peer Comparison

Revenue (TTM)

Teradata CorporationTDC
$1.65B
-8.2%
Kingsoft Cloud Holdings LimitedKC
$1.25B
+23.6%
CSG Systems International, Inc.CSGS
$1.22B
+3.3%

Gross Margin (Latest Quarter)

Payoneer Global Inc.PAYO
84.3%
-0.4pp
EverCommerce Inc.EVCM
77.3%
+10.9pp
Appian CorporationAPPN
75.8%
-0.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
TDC$2.92B24.568.8%32.5%
KC$2.79B-21.3-16.5%34.1%
APPN$2.65B-362.317.5%48.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.3%
Steady Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 25, 2026
|
EPS:-$0.01
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $163.31M+27.6%
    |
    EPS: $-0.01-82.3%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $150.39M+20.1%
    |
    EPS: $-0.00-100.6%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $139.07M+17.9%
    |
    EPS: $-0.02-76.3%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 26, 2025|
    Revenue: $507.00M-25.0%
    |
    EPS: $0.05+112.7%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 4, 2024|
    Revenue: $127.97M+17.5%
    |
    EPS: $-0.06-43.5%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $125.27M-45.8%
    |
    EPS: $0.23-309.1%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $117.97M-45.7%
    |
    EPS: $-0.07-46.5%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $676.17M-9.6%
    |
    EPS: $-0.42-23.5%
    Beat