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Marqeta, Inc. (MQ)

NEUTRAL
TechnologySoftware - InfrastructureUnited States

Fundamental

59

Precio

$16.24

Capitalización Bursátil

$1.72B

Parte 1 · Cuánto vale la empresa

Resumen

Marqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services in the United States. The company's platform also provides processor services, bank and network management, program management, and value added services; card issuing, such as debit, prepaid, credit, virtual, and physical cards; UI/UX; access to a suite of bank account and money movement features, including savings accounts, demand deposit accounts, direct deposit with early pay, ACH, cash loads, and fee-free ATMs, bill pay, and instant funding capabilities; Marqeta Dashboard, a self-service portal to access and manage all aspects of card program; TransactPay; Marqeta Hub for consumers, buy now, pay later (BNPL) providers, and card issuers; and credit capabilities, as well as Portfolio Migration which simplifies upgrading existing card programs into its platform. It offers its solutions in various verticals, including financial services, on-demand services, lending, expense management, and e-commerce enablement, as well as BNPL providers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.

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Direct competitors

Who this company fights with for the same customers

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Balance y Liquidez

Ingresos

$677M

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$10M

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$161M

Patrimonio Neto Total

$762M

Pasivo Total

$763M

Ratio de Liquidez

1.66

Cobertura de Intereses

-

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuánto pesa la deuda

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

Sobrevalorado

Valor Justo

$12.31

Precio Actual

$16.24

Margen de Seguridad

-31.9%

Rango de Valor Justo

$8.00 - $16.62

Métodos de Estimación

Analyst Target:$20.50
DCF:-
PE-based:$5.02
Graham Growth:$1.47
EPV:-
Consenso de Analistas:Comprar (9B / 12H / 1S)
Última Sorpresa de Resultados:+960.61%

Métricas de Valoración

Ratio P/E

181.22

ROE

-1.8%

Ratio P/B

2.21

P/FCF

7.98

Margen Bruto

70.0%

ROIC

-1.4%

Radar de Rentabilidad

Value Creation (Economic Moat)

ROIC

-1.4%

WACC

11.3%

ROIC − WACC

-12.7 pp

ROIC is below the cost of capital — the company is destroying value for every dollar invested.

Criterios de Análisis Fundamental

Superado (14)

  • EPS shows upward trend
  • Gross Margin 70.0%
  • P/FCF 7.98
  • P/B Ratio 2.21
  • Debt/Equity ratio
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Revenue Growth 5Y 16.6%
  • Earnings Surprise avg 412.2%
  • Earnings Quality (OCF/NI) 19.25
  • Share Dilution -14.9%
  • Net Margin Trend 1.5% vs -11.7%
  • Piotroski F-Score 5/9

Fallido (9)

  • Price CAGR -24.95%
  • ROIC -1.4%
  • Operating Margin -1.9%
  • Return on Tangible Assets
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Unknown)
  • ROE 1.4%
  • Analyst Consensus 41% Buy

No disponible (4)

  • Dividend Payout NaN%
  • Interest Coverage
  • Debt/EBITDA
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

5/9

Señales mixtas: algunas áreas requieren atención

score
criteria

Calidad de los Beneficios

19.25

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-14.9%

Recomprando acciones. Favorable para el accionista

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. Michael MilotichCEO & Director48
Mr. Jason M. GardnerFounder & Non Executive Director55
Ms. Crystal Sumner J.D.Chief Administrative Officer & Corporate Secretary41
Mr. Todd PollakChief Revenue Officer49
Mr. Lukasz StrozekChief Technology Officer-
Ms. Stacey FinermanVice President of Investor Relations-
Mr. Alan Richard CarlisleChief Compliance Officer51
Ms. Karna CrawfordChief Marketing Officer-
Ms. Helena Day ChristiansonChief People Officer-
Ms. Heather Gantt-EvansChief Information Security Officer-

Riesgo de Auditoría

1

Riesgo del Consejo

4

Riesgo de Compensación

10

Riesgo de Derechos del Accionista

10

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Latest News

Recent headlines for MQ, sourced from Markets Gazette.

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