* Note: Prices are in Million (M) USD.
Description:
Marqeta, Inc. is a leading provider of innovative payment solutions, specializing in a cloud-based open API platform that facilitates seamless transaction processing and card issuance services. Headquartered in Oakland, California, Marqeta targets developers and forward-thinking businesses, enabling them to create tailored payment experiences that adapt to the evolving demands of consumers in a fast-paced digital economy. As a pioneer in the payments industry, the company is well-positioned to capitalize on growing market trends, continually advancing its technology and maintaining a customer-centric focus to redefine the standards of payment processing.
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Note: Financial institutions (banks/insurers/brokers/REITs) are evaluated using sector, P/E, growth, ROE and other factors. The 3.5× Net Debt/EBITDA rule is skipped to avoid misleading signals; however, Cash/Debt/EBITDA are still displayed and counted for scoring.
Cash : $747 M
Debt : $8 M
EBITDA : $-41 M
Since Ebitda is less than 0, 0 points assigned.
This criteria used industry in which company operates:
Sector: Financials
Industry: Software - infrastructure
Based on industry, 5 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Message: Cannot calculate PE Ratio since EPS is either 0 or negative.
Using default values for calculation.
Forward PE Ratio (using default values): 20.00
Since Forward PE Ratio is between 20 - 25, 2 points assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Using last 6 overlapping fiscal years (max 20).Average Free Cash Flow: $21 M
Average Revenue: $480 M
Revenue Converted To Free Cash Flow (%): 4.4%
Since Free Cash Flow (FCF) to Revenue percentage is less than 15, 1 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $507 M
Revenue 5 Years Ago (2019-12-31): $143 M
Total Growth over 5 Years: 253.9%
5-Year Revenue CAGR (Historical): 28.8%
Forward 5-Year CAGR (Tapered): 14.4%
Since historical Revenue CAGR is greater than 20, 5 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $519 M
Share Count 5 Years Ago (2020-12-31): $537 M
Company is buying back its own shares, 3 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $-0.02
Trailing 12-Month Earnings Per Share (EPS): $0.00
Average Earnings Per Share (EPS): $0.00
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0.00%
⚠️ Caution: Negative earnings detected — Further research is recommended - Next Fiscal Yr EPS: $-0.02
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Using last 6 valid ROE years (max 20).Average ROE: -16.2%
Since Average ROE is non-positive, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $4.88
52-Week Low: $3.48
Threshold Price (15% Above 52-Week Low): $4.00
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $2,183 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 2% exposure of Total Portfolio.
Warren Buffett's Owners' Earnings:
Owners' Earnings (FCF/Share) (TTM ending 2025-09-30): $0.20
Owners' Earnings (FCF/Share, latest positive annual) (2024-12-31): $0.11
Note: Many fast-growing companies reinvest heavily, so Owners' Earnings may appear low.
Consider other factors in your valuation.
Value-Trade has assigned 17 points to above Marqeta Inc (MQ) stock.
Fair Value PE 20, Industry Based PE 30, Growth Based PE 15, RCFC Based PE 4.42, Risk-Free Anchored PE (25% MoS) 18.47. Based on these 5 values, average assigned is 17.58. The fair value of Marqeta Inc (MQ) stock cannot be calculated since EBITDA and EPS are either 0 or negative.
