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Upturn AI SWOT - About
Marqeta Inc (MQ)
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Upturn Advisory Summary
08/14/2025: MQ (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $6.97
1 Year Target Price $6.97
| 5 | Strong Buy |
| 1 | Buy |
| 11 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -28.22% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.77B USD | Price to earnings Ratio - | 1Y Target Price 6.97 |
Price to earnings Ratio - | 1Y Target Price 6.97 | ||
Volume (30-day avg) 17 | Beta 1.54 | 52 Weeks Range 3.37 - 7.04 | Updated Date 08/15/2025 |
52 Weeks Range 3.37 - 7.04 | Updated Date 08/15/2025 | ||
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 2025-08-06 | When - | Estimate -0.0312 | Actual 0.0056 |
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 285.71 | Enterprise Value 1962949407 | Price to Sales(TTM) 5.01 |
Enterprise Value 1962949407 | Price to Sales(TTM) 5.01 | ||
Enterprise Value to Revenue 3.55 | Enterprise Value to EBITDA 64.49 | Shares Outstanding 414972000 | Shares Floating 392248481 |
Shares Outstanding 414972000 | Shares Floating 392248481 | ||
Percent Insiders 6.12 | Percent Institutions 81.6 |
Upturn AI SWOT
Marqeta Inc
Company Overview
History and Background
Marqeta, Inc. was founded in 2010 by Jason Gardner. It emerged from stealth mode in 2014, offering a modern card issuing platform. It gained traction by serving the on-demand economy and fintech companies.
Core Business Areas
- Payment Processing Platform: Provides a modern card issuing platform for businesses to create and manage customized payment cards. It offers APIs and developer tools for seamless integration with existing systems, and supports virtual, physical, and tokenized cards.
- Card Issuance and Management: Enables businesses to design, launch, and manage their own branded debit, credit, and prepaid card programs. It provides real-time transaction data and control features to help businesses optimize their payment strategies.
Leadership and Structure
Jason Gardner is the Founder and CEO. The company has a typical corporate structure with executive leadership overseeing various departments, including engineering, product, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Modern Card Issuing Platform: Marqeta's core platform facilitates card issuance and management. Market share data is not readily available but Marqeta is a significant player in the modern card issuing segment. Competitors include Galileo (SoFi), Adyen, and Stripe.
- Real-Time Transaction Data and Controls: Provides businesses with granular real-time data and controls over card transactions. Market share data is not readily available but the offering is critical to Marqeta's value proposition. Competitors are those that offers card payment processing and financial data.
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth, driven by the increasing adoption of digital payments and the rise of fintech companies. The industry is highly competitive, with established players and emerging startups vying for market share.
Positioning
Marqeta is positioned as a modern, API-first card issuing platform that caters to the needs of innovative businesses. Its competitive advantage lies in its flexibility, scalability, and developer-friendly tools.
Total Addressable Market (TAM)
The total addressable market for digital payments is estimated to be in the trillions of dollars globally. Marqeta is positioned to capture a significant portion of this market by providing a modern and flexible card issuing platform. TAM is estimated at $100B+ by 2025.
Upturn SWOT Analysis
Strengths
- Modern, API-first platform
- Strong focus on innovation
- Scalable infrastructure
- Developer-friendly tools
- Strong client base of innovative companies
Weaknesses
- Reliance on a limited number of key customers
- Intense competition
- Profitability challenges
- Relatively short operating history
- Susceptible to regulation
Opportunities
- Expanding into new markets
- Developing new products and services
- Acquiring complementary businesses
- Partnering with other technology companies
- Increase in embedded finance and BaaS
Threats
- Increasing competition
- Regulatory changes
- Economic downturn
- Security breaches
- Technological disruption
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Adyen (ADYEN.AS)
Competitive Landscape
Marqeta differentiates itself through its modern API-first platform. However, it faces intense competition from larger, more established players with broader product offerings.
Major Acquisitions
Power Finance
- Year: 2022
- Acquisition Price (USD millions): 223
- Strategic Rationale: Acquisition to enhance Marqeta's credit card issuing capabilities.
Growth Trajectory and Initiatives
Historical Growth: Marqeta has experienced strong revenue growth over the past several years, driven by the increasing adoption of its platform. Revenue growth was 44% in 2022.
Future Projections: Analysts expect Marqeta to continue to grow rapidly in the coming years, driven by the increasing adoption of digital payments. Growth estimates vary widely depending on who is reporting the information. High growth analysts see 20%+ annual revenue growth over the next 3-5 years. Other analysts see slower growth.
Recent Initiatives: Marqeta has recently launched new products and services, expanded into new markets, and partnered with other technology companies. Recent Initiatives: Expansion into new verticals such as travel and insurance, and investment in new technologies such as blockchain.
Summary
Marqeta is a modern card issuing platform with strong revenue growth, but it remains unprofitable. It faces intense competition and relies on a limited number of key customers. The company has a healthy balance sheet, and the company is still relatively new compared to the competitors. Expansion into new markets and product development are key for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Marqeta Inc. SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Industry Research Reports
- Third-party financial data providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Future performance is subject to various risks and uncertainties.
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 | CFO & Interim CEO 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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