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Upturn AI SWOT - About
Marqeta Inc (MQ)
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Upturn Advisory Summary
10/15/2025: MQ (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $6.53
1 Year Target Price $6.53
| 5 | Strong Buy |
| 1 | Buy |
| 11 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.31% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.05B USD | Price to earnings Ratio - | 1Y Target Price 6.53 |
Price to earnings Ratio - | 1Y Target Price 6.53 | ||
Volume (30-day avg) 17 | Beta 1.51 | 52 Weeks Range 3.37 - 7.04 | Updated Date 10/17/2025 |
52 Weeks Range 3.37 - 7.04 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.69% | Operating Margin (TTM) -4.82% |
Management Effectiveness
Return on Assets (TTM) -4.77% | Return on Equity (TTM) -6.51% |
Valuation
Trailing PE - | Forward PE 40.16 | Enterprise Value 1478858035 | Price to Sales(TTM) 3.7 |
Enterprise Value 1478858035 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 2.67 | Enterprise Value to EBITDA 64.49 | Shares Outstanding 414971902 | Shares Floating 392154352 |
Shares Outstanding 414971902 | Shares Floating 392154352 | ||
Percent Insiders 6.18 | Percent Institutions 81.94 |
Upturn AI SWOT
Marqeta Inc
Company Overview
History and Background
Marqeta Inc. was founded in 2010 by Jason Gardner. It emerged as a modern card issuing platform, initially focusing on simplifying payments for on-demand delivery services. It has evolved into a comprehensive platform supporting various payment use cases, including virtual and physical cards, and serves a wide range of industries.
Core Business Areas
- Card Issuing Platform: Marqeta's core offering is its card issuing platform, enabling businesses to create, manage, and distribute virtual and physical cards. This includes customizable card designs, transaction controls, and real-time authorization capabilities.
Leadership and Structure
Jason Gardner is the founder and currently serves as the CEO. The company's organizational structure includes departments for engineering, product, sales, marketing, finance, and legal. Key leadership roles also include the CFO, CTO, and Chief Revenue Officer.
Top Products and Market Share
Key Offerings
- Issuing Platform: Marqeta's core issuing platform is a comprehensive solution for card issuing and processing. While specific market share data fluctuates, Marqeta competes with companies like Adyen and Stripe in providing embedded finance solutions. It is hard to derive the exact marketshare for its individual product.
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth, driven by the increasing adoption of digital payments, e-commerce, and embedded finance solutions. The industry is competitive, with established players and emerging fintech companies vying for market share.
Positioning
Marqeta is positioned as a modern card issuing platform focused on flexibility, customization, and developer-friendly APIs. This differentiates it from legacy payment processors. Marqeta enables modern card issuing and transaction processing to a wide range of applications.
Total Addressable Market (TAM)
The TAM for card issuing and payment processing is estimated to be in the trillions of dollars globally. Marqeta is focused on capturing a portion of this TAM through its modern platform and innovative solutions. Specifically within embedded finance, the addressable market is expanding rapidly.
Upturn SWOT Analysis
Strengths
- Modern card issuing platform
- Flexible APIs and customization options
- Strong partnerships with innovative companies
- Real-time authorization capabilities
Weaknesses
- Reliance on a limited number of key customers
- History of net losses
- Competitive pressure from larger payment processors
- Dependence on technology infrastructure
Opportunities
- Expansion into new markets and industries
- Growth in embedded finance and digital payments
- Increased adoption of virtual cards and mobile wallets
- Strategic acquisitions and partnerships
Threats
- Increased competition from established players
- Regulatory changes and compliance requirements
- Economic downturn and reduced consumer spending
- Data breaches and security risks
Competitors and Market Share
Key Competitors
- ADYEN NV (ADYEN)
- Global Payments Inc (GPN)
- Fiserv Inc (FI)
Competitive Landscape
Marqeta's competitive advantage lies in its modern, flexible platform, while competitors like Fiserv and Global Payments have scale and established customer relationships. Adyen competes with Marqeta in payment processing and embedded finance solutions.
Growth Trajectory and Initiatives
Historical Growth: Marqeta has experienced significant revenue growth in recent years, driven by the increasing adoption of its platform and expanding customer base. The growth has been volatile as it has moved from being a fintech start up to a more established company
Future Projections: Analyst estimates suggest continued revenue growth for Marqeta, driven by the increasing adoption of digital payments and embedded finance. However, profitability remains a key focus area. Analyst data is not provided as per the prompt
Recent Initiatives: Recent initiatives include expanding partnerships with key customers, launching new products and features, and expanding into new geographic markets.
Summary
Marqeta is a modern card issuing platform that is driving innovation in the payment processing industry. Its flexible APIs and real-time authorization capabilities are key strengths. However, it faces competition from larger players and needs to improve profitability. Expanding into new markets and managing its customer base will be critical for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
- Marqeta's website
Disclaimers:
This analysis is based on publicly available information and represents an AI-based assessment. It should not be considered financial advice. Market share data is approximate and may vary based on source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Marqeta Inc
Exchange NASDAQ | Headquaters Oakland, CA, United States | ||
IPO Launch date 2021-06-09 | CEO & Director Mr. Michael Milotich | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 854 | Website https://www.marqeta.com |
Full time employees 854 | Website https://www.marqeta.com | ||
Marqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services. The company's platform also provides access to a suite of bank account and money movement features, including demand deposit accounts, direct deposit with early pay, ACH, cash loads, and fee-free ATMs, bill pay, and instant funding capabilities; RiskControl product; Marqeta Dashboard, a self-service portal to access and manage all aspects of card program; 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, expense management, and e-commerce enablement, as well as buy now, pay later providers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.
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