# Marqeta Inc. (MQ) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $16.58, market value $1.7 billion.

## Valuation
- **P/E (trailing): 184.2×**. Marqeta Inc. trades at 184.2× trailing earnings. The Technology median in the September 2026 study was 32.1×. Forward P/E is 33.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.5×**. Each dollar of revenue is priced at 2.5×.
- **Price / book: 2.4×**. The shares trade at 2.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.5%** (5-yr avg 0.6%). Free cash flow equals 11.5% of the market value, above its five-year average of 0.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 0.5%**. The inverse of the P/E: 0.5% of the price is earned each year.

## Profitability
- **Gross margin: 70.0%**. Marqeta Inc. keeps 70.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -1.9%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -2.2%**. The company reported a net loss over the last twelve months.
- **Return on equity: -1.8%**. Return on equity is negative because earnings are negative.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit.

## Growth
- **Revenue growth (1 yr): 23.3%** (3-yr -5.8%/yr, 5-yr 16.6%/yr). Revenue grew 23.3% over the last year, against 16.6% a year compounded over five years: growth is accelerating.

## Financial health
- **Current ratio: 1.65** (quick 1.65). Current assets cover the next year's liabilities 1.65 times.
- **Altman Z-score: 2.75**. A Z-score of 2.75 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Marqeta Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (10 analysts). 10 analysts cover Marqeta Inc.; the consensus is hold, with an average price target of $20.50 (+24% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -32.2%** (YTD -12.7%, 3-mo 6.8%). The shares are down 32.2% over twelve months including dividends.
- **From 52-week high: -31.7%** (12.0% above the low). Trading 32% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.68** (volatility 41%). Beta of 0.68 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MQ · Page: https://foliofundamentals.com/stocks/mq

Not investment advice.