Update shared on 11 Dec 2025
Analysts have marginally raised their price target on Marqeta to 6.18 dollars from 6.18 dollars, reflecting slightly higher discount rate assumptions while leaving expectations for revenue growth, profit margins, and future valuation multiples effectively unchanged.
What's in the News
- Board of Directors authorizes a new share repurchase plan on December 4, 2025, allowing Marqeta to buy back up to 100 million dollars of Class A common stock with no set expiration. This signals continued confidence in the company’s long term outlook (company announcement).
- Marqeta reports that between July 1 and September 30, 2025, it repurchased 3,159,000 shares for 19.32 million dollars, bringing total shares repurchased under the February 26, 2025 program to 45,656,301 shares, or 9.47 percent of shares outstanding, for 212.43 million dollars (buyback tranche update).
- The company issues fourth quarter 2025 guidance, forecasting net revenue growth of 22 percent to 24 percent. This underscores expectations for solid top line expansion despite a competitive payments landscape (earnings guidance).
- Marqeta expands its strategic partnership with Klarna, enabling the Klarna Card to roll out across 15 additional European markets using Visa's Flexible Credential technology. This strengthens Marqeta’s position in buy now, pay later and embedded finance solutions (client announcement).
Valuation Changes
- Fair Value Estimate: Unchanged at 6.18 dollars per share, indicating no material shift in the intrinsic value assessment.
- Discount Rate: Risen slightly from 7.33 percent to approximately 7.33 percent, reflecting a marginally higher assumed cost of capital.
- Revenue Growth: Effectively unchanged at about 15.79 percent, signaling stable expectations for top line expansion.
- Net Profit Margin: Essentially flat at roughly 4.91 percent, with no meaningful revision to long term profitability assumptions.
- Future P/E: Edged up slightly from about 60.13x to 60.14x, implying a nearly identical valuation multiple on forward earnings.
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