Marqeta, Inc.

NasdaqGS:MQ Stock Report

Market Cap: US$1.8b

Marqeta Valuation

Is MQ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MQ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate MQ's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate MQ's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MQ?

Key metric: As MQ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MQ. This is calculated by dividing MQ's market cap by their current earnings.
What is MQ's PE Ratio?
PE Ratio132.5x
EarningsUS$14.03m
Market CapUS$1.84b

Price to Earnings Ratio vs Peers

How does MQ's PE Ratio compare to its peers?

The above table shows the PE ratio for MQ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.5x
EVTC EVERTEC
24.3x17.1%US$2.0b
PAGS PagSeguro Digital
6.3x7.4%US$2.0b
WU Western Union
5.2x-4.8%US$3.5b
SEZL Sezzle
22.2x25.4%US$1.3b
MQ Marqeta
132.5x-21.6%US$1.8b

Price-To-Earnings vs Peers: MQ is expensive based on its Price-To-Earnings Ratio (132.5x) compared to the peer average (14.5x).

Price to Earnings Ratio vs Industry

How does MQ's PE Ratio compare vs other companies in the US Diversified Financial Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.5x-136.3%US$653.85m
PMIR PMI Group
0.09xn/aUS$518.61k
ACGX Alliance Creative Group
1.7xn/aUS$355.62k
No more companies available in this PE range
MQ 132.5xIndustry Avg. 18.4xNo. of Companies14PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MQ is expensive based on its Price-To-Earnings Ratio (132.5x) compared to the US Diversified Financial industry average (18.4x).

Price to Earnings Ratio vs Fair Ratio

What is MQ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MQ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio132.5x
Fair PE Ratio10.2x

Price-To-Earnings vs Fair Ratio: MQ is expensive based on its Price-To-Earnings Ratio (132.5x) compared to the estimated Fair Price-To-Earnings Ratio (10.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MQ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$3.70
US$5.24
+41.6%
19.5%US$7.00US$4.00n/a15
Jan ’26US$3.79
US$5.31
+40.0%
18.3%US$7.00US$4.00n/a15
Dec ’25US$3.88
US$5.41
+39.3%
16.1%US$7.00US$4.00n/a15
Nov ’25US$5.85
US$7.22
+23.4%
13.8%US$9.00US$5.50n/a17
Oct ’25US$4.82
US$7.25
+50.4%
13.2%US$9.00US$6.00n/a17
Sep ’25US$5.33
US$7.25
+36.0%
13.2%US$9.00US$6.00n/a17
Aug ’25US$5.13
US$7.37
+43.6%
13.5%US$9.00US$5.50n/a17
Jul ’25US$5.55
US$7.49
+34.9%
12.6%US$9.00US$5.50n/a17
Jun ’25US$5.32
US$7.51
+41.3%
11.8%US$9.00US$6.00n/a17
May ’25US$5.50
US$7.60
+38.2%
11.4%US$9.00US$6.00n/a17
Apr ’25US$5.71
US$7.67
+34.4%
11.6%US$9.00US$6.00n/a16
Mar ’25US$6.40
US$7.75
+21.1%
13.0%US$10.00US$6.00n/a17
Feb ’25US$6.02
US$7.36
+22.3%
15.9%US$9.00US$5.00n/a17
Jan ’25US$6.98
US$7.19
+3.0%
16.5%US$9.00US$5.00US$3.7917
Dec ’24US$6.37
US$7.04
+10.5%
18.7%US$9.00US$4.50US$3.8819
Nov ’24US$5.14
US$6.71
+30.5%
19.0%US$9.00US$4.00US$5.8518
Oct ’24US$5.98
US$6.70
+12.0%
19.8%US$9.00US$4.00US$4.8216
Sep ’24US$6.26
US$6.75
+7.8%
18.6%US$9.00US$4.00US$5.3318
Aug ’24US$5.59
US$6.43
+15.0%
23.6%US$10.00US$4.50US$5.1317
Jul ’24US$4.87
US$6.43
+32.0%
23.6%US$10.00US$4.50US$5.5517
Jun ’24US$4.78
US$6.43
+34.4%
23.6%US$10.00US$4.50US$5.3217
May ’24US$4.01
US$6.85
+70.8%
24.0%US$10.00US$4.50US$5.5017
Apr ’24US$4.57
US$7.11
+55.7%
20.4%US$10.00US$5.50US$5.7117
Mar ’24US$4.50
US$7.71
+71.2%
25.6%US$13.00US$5.00US$6.4018
Feb ’24US$6.96
US$9.41
+35.3%
25.7%US$14.00US$6.50US$6.0218
Jan ’24US$6.11
US$9.69
+58.6%
24.2%US$14.00US$7.00US$6.9818
Analyst Price Target
Consensus Narrative from 15 Analysts
US$5.24
Fair Value
29.4% undervalued intrinsic discount
15
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/13 00:38
End of Day Share Price 2025/01/13 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Marqeta, Inc. is covered by 31 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ramsey El-AssalBarclays
Andrew DeGasperiBerenberg
Mark PalmerBerenberg