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Upturn AI Summary - About
Marqeta Inc(MQ)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MQ
10/09/2026: MQ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Marqeta is a fintech company specializing in modern, API-driven card issuing and payment processing. Its primary strength lies in its flexible, cloud-native platform that enables businesses to manage complex payment programs with real-time controls. The company's growth story is currently centered on expanding into new services, such as credit-as-a-service, and scaling its enterprise footprint globally. However, investors must consider risks including heavy reliance on major customers, intense competition from incumbents, and the company's ongoing path to profitability. This stock is generally suited for growth-oriented investors with a high risk tolerance who are looking for exposure to the long-term shift toward embedded finance and digital payments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Marqeta provides high-growth exposure to the embedded finance trend. |
| Momentum investor | Mixed fit | Momentum is highly dependent on technical chart signals and quarterly TPV growth trends. |
| Value investor | Weak fit | The company is still in a high-growth phase and lacks consistent earnings. |
| Dividend investor | Weak fit | The company does not pay a dividend and focuses on capital reinvestment. |
| Low-risk investor | Weak fit | The stock exhibits high price volatility and sensitivity to market sentiment. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock's beta relative to the market is high, leading to significant price swings. |
| Valuation risk | Medium / high | High growth expectations are priced into the stock, leaving little room for error. |
| Competition risk (Fintech rivals) | High | Stiff competition from private and public fintechs could compress take rates. |
| Business quality | Medium | The business model is highly scalable but dependent on third-party network relationships. |
| Dividend income | Low / none | Investors should expect no income generation from this holding. |
| Execution risk | Medium | Success depends on integrating new products like credit card issuing effectively. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -63.46% | Avg. Invested days 19 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.83B USD | Price to earnings Ratio 174.4 | 1Y Target Price 20.5 |
Price to earnings Ratio 174.4 | 1Y Target Price 20.5 | ||
Volume (30-day avg) 893.2K shares | Beta 1.21 | 52 Weeks Range 14.80 - 22.28 | Updated Date 10/09/2026 |
52 Weeks Range 14.80 - 22.28 | Updated Date 10/09/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.1 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Processing Revenue | Fees earned from transaction processing and authorization services. | The company makes money every time a card is used on its platform. |
| Geography | North American markets dominate, with expanding presence in Europe and APAC. | Most revenue is still driven by US-based payment volumes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 174.4 | Forward PE 30.49 | Enterprise Value 994.70M | Price to Sales(TTM) 2.71 |
Enterprise Value 994.70M | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 1.47 | Enterprise Value to EBITDA 47.83 | Shares Outstanding 97.00M | Shares Floating 89.81M |
Shares Outstanding 97.00M | Shares Floating 89.81M | ||
Percent Insiders 3.34 | Percent Institutions 57.06 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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