MQ
Neutral signalScored 2026-07-29 Drivers: fundamentals. Insiders: neutral. Moteurs : fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Marqeta, Inc.
- Nom
- Marqeta, Inc.
- Secteur
- Technology
- Industrie
- Software - Infrastructure
- Bourse
- NASDAQ
- Capitalisation
- $1.8B
- Employés
- 938
- PDG
- Michael Milotich
- Site web
- https://www.marqeta.com
- Marché
- ACIWEVTCFISVFOURGPNPAGS
Marqeta, Inc. engages in the creation of digital payment technology. The firm develops a modern card issuing platform, providing infrastructure and tools for building configurable payment cards. It provides its customers issuer processor services and also acts as a card program manager. The company was founded by Jason M. Gardner in 2010 and is headquartered in Oakland, CA.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 44 581 titres (~178 158,92 $ US)
- Insiders
- Cummings MarthaAtkinson NajumaPaul Elaine
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$87,432
Avg sell (VWAP, 90d window) $16.89 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$87,432 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- —
- Last synced
-
2026-10-19 21:57:15
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-15 | Sumner Crystal | Sell · S · 10b5-1 | 1,250 | $18.76 | $23,449 | Form 4 |
| 2026-09-16 | Cummings Martha | Sell · S · 10b5-1 | 713 | $16.01 | $11,415 | Form 4 |
| 2026-09-15 | Sumner Crystal | Sell · S · 10b5-1 | 1,250 | $16.39 | $20,488 | Form 4 |
| 2026-09-01 | Sumner Crystal | Sell · S · 10b5-1 | 1,250 | $16.27 | $20,338 | Form 4 |
| 2026-08-14 | Cummings Martha | Sell · S · 10b5-1 | 713 | $16.47 | $11,743 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-07-29 Drivers: fundamentals. Insiders: neutral. Moteurs : fondamentaux. Initiés : neutre.
MQ presents a deeply concerning fundamental profile with a catastrophic gross margin collapse (69% → 11% YoY), persistent net losses, and zero interest coverage, rendering the moderate liquidity score (75) insufficient…
The first sentence of the analysis written for MQ on 2026-07-29 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Neutral signal
Drivers: fundamentals. Insiders: neutral. Moteurs : fondamentaux. Initiés : neutre.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $87K) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $87K) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 1.65 · operating margin -7.4% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.0% | 69.4% | 48.7% | 42.8% | 44.8% | |
| Ebit Margin | -2.1% | 5.5% | -34.1% | -24.7% | -31.8% | |
| Ebitda Margin | 2.2% | 9.0% | -32.5% | -24.2% | -31.1% | |
| Operating Profit Margin | -7.4% | -4.8% | -41.9% | -28.0% | -31.3% | |
| Pretax Profit Margin | -2.1% | 5.5% | -34.1% | -24.7% | -31.8% | |
| Continuous Operations Profit Margin | -2.2% | 5.4% | -33.0% | -24.7% | -31.7% | |
| Net Profit Margin | -2.2% | 5.4% | -33.0% | -24.7% | -31.7% | |
| Bottom Line Profit Margin | -2.2% | 5.4% | -33.0% | -24.7% | -31.7% | |
| Current Ratio | 1.649 | 3.368 | 4.126 | 6.175 | 7.559 | |
| Quick Ratio | 1.647 | 3.358 | 4.113 | 6.157 | 7.542 | |
| Solvency Ratio | 0.017 | 0.118 | -0.613 | -0.608 | -0.624 | |
| Cash Ratio | 1.311 | 2.488 | 2.915 | 4.185 | 5.243 | |
| Price To Earnings Ratio | -158.333 | 70.974 | -16.619 | -17.971 | -57.233 | |
| Price To Earnings Growth Ratio | 1.014 | -0.630 | -0.706 | -1.348 | -0.241 | |
| Forward Price To Earnings Growth Ratio | 1.014 | -0.630 | -0.706 | -1.348 | -0.241 | |
| Price To Earnings Diluted Ratio | -158.333 | 72.053 | -16.619 | -17.971 | -57.233 | |
| Price To Earnings Diluted Growth Ratio | 1.008 | -0.640 | -0.706 | -1.348 | -0.241 | |
| Price To Book Ratio | 2.881 | 1.785 | 2.990 | 2.262 | 5.908 | |
| Price To Sales Ratio | 3.513 | 3.820 | 5.497 | 4.454 | 17.974 | |
| Price To Free Cash Flow Ratio | 13.653 | 34.742 | 439.741 | -197.357 | 171.413 | |
| Price To Operating Cash Flow Ratio | 13.499 | 33.298 | 176.134 | -257.009 | 163.160 | |
| Debt To Assets Ratio | 0.014 | 0.009 | 0.011 | 0.007 | 0.008 | |
| Debt To Equity Ratio | 0.029 | 0.012 | 0.014 | 0.008 | 0.010 | |
| Debt To Capital Ratio | 0.028 | 0.012 | 0.013 | 0.008 | 0.010 | |
| Long Term Debt To Capital Ratio | 0.007 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 2.001 | 1.349 | 1.279 | 1.202 | 1.163 | |
| Working Capital Turnover Ratio | 0.916 | 0.525 | 0.537 | 0.495 | 0.559 | |
| Operating Cash Flow Ratio | 0.217 | 0.157 | 0.063 | -0.046 | 0.239 | |
| Operating Cash Flow Sales Ratio | 0.260 | 0.115 | 0.031 | -0.017 | 0.110 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.989 | 0.958 | 0.401 | 1.302 | 0.952 | |
| Debt Service Coverage Ratio | 1.232 | 5.795 | -26.891 | 0.000 | 0.000 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 15.138 | 7.534 | 2.674 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 7.455 | 4.401 | 1.247 | -1.043 | 3.688 | |
| Capital Expenditure Coverage Ratio | 88.623 | 24.057 | 1.668 | -3.308 | 20.770 | |
| Dividend Paid And Capex Coverage Ratio | 88.623 | 24.057 | 1.668 | -3.308 | 20.770 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 89.294 | 22.555 | -12.523 | -11.937 | -50.072 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.0% | ▲0.6% | ▲14.8% |
| Ebit Margin | -2.1% | ▼-7.7% | ▲15.3% |
| Ebitda Margin | 2.2% | ▼-6.8% | ▲17.5% |
| Operating Profit Margin | -7.4% | ▼-2.6% | ▲15.3% |
| Pretax Profit Margin | -2.1% | ▼-7.7% | ▲15.3% |
| Continuous Operations Profit Margin | -2.2% | ▼-7.6% | ▲15.0% |
| Net Profit Margin | -2.2% | ▼-7.6% | ▲15.0% |
| Bottom Line Profit Margin | -2.2% | ▼-7.6% | ▲15.0% |
| Current Ratio | 1.649 | ▼-1.718 | ▼-2.926 |
| Quick Ratio | 1.647 | ▼-1.711 | ▼-2.917 |
| Solvency Ratio | 0.017 | ▼-0.101 | ▲0.359 |
| Cash Ratio | 1.311 | ▼-1.177 | ▼-1.917 |
| Price To Earnings Ratio | -158.333 | ▼-229.307 | ▼-122.497 |
| Price To Earnings Growth Ratio | 1.014 | ▲1.643 | ▲1.396 |
| Forward Price To Earnings Growth Ratio | 1.014 | ▲1.643 | ▲1.396 |
| Price To Earnings Diluted Ratio | -158.333 | ▼-230.387 | ▼-122.713 |
| Price To Earnings Diluted Growth Ratio | 1.008 | ▲1.649 | ▲1.394 |
| Price To Book Ratio | 2.881 | ▲1.096 | ▼-0.284 |
| Price To Sales Ratio | 3.513 | ▼-0.307 | ▼-3.539 |
| Price To Free Cash Flow Ratio | 13.653 | ▼-21.089 | ▼-78.785 |
| Price To Operating Cash Flow Ratio | 13.499 | ▼-19.799 | ▼-12.317 |
| Debt To Assets Ratio | 0.014 | ▲0.005 | ▲0.004 |
| Debt To Equity Ratio | 0.029 | ▲0.016 | ▲0.014 |
| Debt To Capital Ratio | 0.028 | ▲0.016 | ▲0.014 |
| Long Term Debt To Capital Ratio | 0.007 | ▲0.007 | ▲0.006 |
| Financial Leverage Ratio | 2.002 | ▲0.653 | ▲0.603 |
| Working Capital Turnover Ratio | 0.916 | ▲0.391 | ▲0.309 |
| Operating Cash Flow Ratio | 0.217 | ▲0.060 | ▲0.091 |
| Operating Cash Flow Sales Ratio | 0.260 | ▲0.145 | ▲0.160 |
| Free Cash Flow Operating Cash Flow Ratio | 0.989 | ▲0.030 | ▲0.068 |
| Debt Service Coverage Ratio | 1.232 | ▼-4.563 | ▲5.205 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 15.138 | ▲7.604 | ▲10.068 |
| Operating Cash Flow Coverage Ratio | 7.455 | ▲3.054 | ▲4.306 |
| Capital Expenditure Coverage Ratio | 88.623 | ▲64.566 | ▲62.261 |
| Dividend Paid And Capex Coverage Ratio | 88.623 | ▲64.566 | ▲62.261 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 89.294 | ▲66.739 | ▲81.831 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.20B | $1.94B | $3.72B | $3.33B | $9.30B | |
| Enterprise value | $1.24B | $1.03B | $2.75B | $2.16B | $8.06B | |
| EV / Sales | 1.98x | 2.03x | 4.07x | 2.89x | 15.59x | |
| EV / Op. cash flow | 7.60x | 17.66x | 130.45x | -166.66x | 141.53x | |
| EV / Free cash flow | 7.68x | 18.42x | 325.69x | -127.98x | 148.69x | |
| EV / EBITDA | 89.29x | 22.55x | -12.52x | -11.94x | -50.07x | |
| Net debt / EBITDA | -69.39x | -19.98x | 4.38x | 6.47x | 7.65x | |
| Current ratio | 1.65x | 3.37x | 4.13x | 6.17x | 7.56x | |
| Income quality | -11.68x | 2.13x | -0.10x | 0.07x | -0.35x | |
| Graham number | — | $6 | — | — | — | |
| Graham net-net | $4 | $6 | $7 | $10 | $11 | |
| Tax burden | 104.5% | 97.2% | 96.7% | 99.9% | 99.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $486.3M | $878.3M | $1.05B | $1.46B | $1.56B | |
| Invested capital | $760.5M | $1.07B | $1.24B | $1.48B | $1.58B | |
| Return on assets | -0.9% | 1.9% | -14.0% | -10.4% | -9.0% | |
| Operating ROA | -3.1% | -1.6% | -16.8% | -11.7% | -14.2% | |
| Return on tangible assets | -1.1% | 2.1% | -15.6% | -10.4% | -9.0% | |
| Return on equity | -1.8% | 2.5% | -17.9% | -12.5% | -10.4% | |
| Return on invested capital | -5.9% | -2.2% | -21.6% | -14.1% | -10.1% | |
| Return on capital employed | -6.0% | -2.2% | -22.6% | -14.1% | -10.2% | |
| Earnings yield | -0.6% | 1.4% | -6.0% | -5.5% | -1.8% | |
| Free cash flow yield | 7.3% | 2.9% | 0.2% | -0.5% | 0.6% | |
| Capex / Op. cash flow | 1.1% | 4.2% | 59.9% | -30.2% | 4.8% | |
| Capex / Depreciation | 6.8% | 13.8% | 117.8% | 101.7% | 77.6% | |
| Capex / Sales | 0.3% | 0.5% | 1.9% | 0.5% | 0.5% | |
| SG&A / Sales | 59.4% | 55.6% | 78.1% | 59.8% | 66.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 16.8% | -1.6% | 26.7% | 14.4% | 27.6% | |
| Intangibles / Total assets | 13.5% | 10.5% | 10.0% | 0.0% | 0.0% | |
| Days sales outstanding | 74d | 85d | 59d | 39d | 40d | |
| Days payables outstanding | 440d | 456d | 184d | 124d | 158d | |
| Operating cycle | 77d | 94d | 63d | 44d | 45d | |
| Cash conversion cycle | -363d | -362d | -121d | -81d | -114d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+13.3%EV / Sales ▼-2.4%EV / EBITDA ▲+295.9%EV / Op. cash flow ▼-10.062Earnings yield ▼-0.020
Profitability
Return on equity ▼-0.043Return on assets ▼-0.028Return on invested capital ▼-0.037Return on capital employed ▼-0.037Operating ROA ▼-0.015Income quality ▼-13.810Tax burden ▲+0.073
Efficiency
Days sales outstanding ▼-11.822Days payables outstanding ▼-15.825Operating cycle ▼-16.678Cash conversion cycle ▼-0.853Capex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-1.718Net debt / EBITDA ▼-49.417Working capital ▼-392054000.000Invested capital ▼-311307000.000Intangibles / Total assets ▲+0.030
Change over 5 years
Valuation
Market cap ▼-76.4%EV / Sales ▼-87.3%EV / EBITDA ▲+278.3%EV / Op. cash flow ▼-133.937Earnings yield ▲+0.011
Profitability
Return on equity ▲+0.086Return on assets ▲+0.080Return on invested capital ▲+0.042Return on capital employed ▲+0.042Operating ROA ▲+0.111Income quality ▼-11.331Tax burden ▲+0.049
Efficiency
Days sales outstanding ▲+33.895Days payables outstanding ▲+282.028Operating cycle ▲+32.649Cash conversion cycle ▼-249.379Capex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-5.910Net debt / EBITDA ▼-77.046Working capital ▼-1074499000.000Invested capital ▼-821203000.000Intangibles / Total assets n/a
Employee count
Peer market caps
Recent news
- 2026-10-16 Mastercard Now Lets Banks Hold Stablecoins and Dollars in One Account. What Changes for Customers? Mastercard just gave banks the infrastructure to merge stablecoins and traditional currencies into a single account, but the rollout raises more questions than answers about which coins qualify, what it costs, and when ordinary customers will actually see it.
- 2026-10-16 Marqeta and Coinbase Collaborate to Enable Stablecoin-Backed Card Payments OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the modern card issuing platform, today announced a collaboration with Coinbase, the leading regulated cryptocurrency exchange, to bring stablecoin-backed cards to both crypto-native and non-crypto firms. Leveraging Coinbase''s crypto infrastructure, Marqeta will enable businesses to offer a payment card solution that allows users to tap into the benefits of stablecoins by turning their stablecoin balances into everyday card spend. Th.
- 2026-10-13 Top Mobile Payments Stocks to Buy as Digital Wallet Adoption Soars Digital wallets now account for 56% of global online shopping spend, while AI and instant payments are opening new doors. Four stocks stand out: MA, SHOP, PYPL and MQ.
- 2026-10-09 Marqeta Inc (MQ) Stock Up 3.8% and Still Undervalued -- GF Score: 71/100 On October 09, 2026, Marqeta Inc (MQ) shares rose 3.8%, bringing the current price to $18.11. The stock has been trading within a 52-week range of $14.80 to $22
- 2026-10-07 3 Stocks With 100%+ Projected Q3 Earnings Growth to Buy Before Results CHYM, MQ and KRO are projected to post triple-digit Q3 earnings growth, with rising estimates and strong prior-quarter surprises.
- 2026-09-25 Marqeta to Announce Third Quarter 2026 Results on November 3, 2026 OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the modern card issuing platform, today announced that it will host a conference call and webcast to discuss third quarter 2026 financial results on Tuesday, November 3, 2026 at 4:30 pm ET. Hosting the call will be Mike Milotich, Chief Executive Officer, and Patti Kangwankij, Chief Financial Officer. A press release with the third quarter 2026 financial results will be issued after the market closes that same day.The conference call w.
- 2026-09-10 Marqeta And Block: Here''s A Pair-Trade Idea Looking at Marqeta and Block''s sales multiple, there''s a 33% dispersion that will likely narrow if the current momentum trend continues. MQ is valued higher than Block on sales multiple, while it''s expected to experience growth contraction due to 2 contract renewals that will occur in Q3 of 2026. On the other hand, Block is witnessing gross margin improvements and higher growth expectations. This dynamic presents an interesting pair trade, but a risk could be an acquisition offer for MQ.
- 2026-09-10 Marqeta, Inc. (MQ) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript Marqeta, Inc. (MQ) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript
- 2026-09-09 Wall Street Analysts See a 26.08% Upside in Marqeta (MQ): Can the Stock Really Move This High? The consensus price target hints at a 26.1% upside potential for Marqeta (MQ). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
- 2026-09-09 BVNK and Marqeta Partner to Power Stablecoin-Card Infrastructure WASHINGTON--(BUSINESS WIRE)---- $MQ #fintech--BVNK and Marqeta, Inc. (NASDAQ: MQ) today announced a partnership to deliver stablecoin-backed card capabilities to crypto-native and non-crypto companies. The integration will enable Marqeta''s customers to embed stablecoin capabilities into wallets, cards and everyday financial products. Together, the companies are unlocking stablecoin spendability to allow users to transact in digital dollars at millions of merchants globally with a standard payment card. Marqeta,.