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Upturn AI SWOT - About
Marqeta Inc (MQ)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -62.43% | Avg. Invested days 21 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.14B USD | Price to earnings Ratio 85 | 1Y Target Price 5.12 |
Price to earnings Ratio 85 | 1Y Target Price 5.12 | ||
Volume (30-day avg) 9024685 | Beta 1.49 | 52 Weeks Range 3.37 - 6.12 | Updated Date 04/2/2025 |
52 Weeks Range 3.37 - 6.12 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.38% | Operating Margin (TTM) -27.56% |
Management Effectiveness
Return on Assets (TTM) -1% | Return on Equity (TTM) 2.34% |
Valuation
Trailing PE 85 | Forward PE 285.71 | Enterprise Value 1054159659 | Price to Sales(TTM) 4.23 |
Enterprise Value 1054159659 | Price to Sales(TTM) 4.23 | ||
Enterprise Value to Revenue 2.08 | Enterprise Value to EBITDA -6.03 | Shares Outstanding 471025984 | Shares Floating 420906780 |
Shares Outstanding 471025984 | Shares Floating 420906780 | ||
Percent Insiders 5.11 | Percent Institutions 76.75 |
Analyst Ratings
Rating 3.72 | Target Price 5.24 | Buy 1 | Strong Buy 6 |
Buy 1 | Strong Buy 6 | ||
Hold 11 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Marqeta Inc
Company Overview
History and Background
Marqeta was founded in 2010 by Jason Gardner and is headquartered in Oakland, California. It provides a modern card issuing platform that allows businesses to create, manage, and deploy payment card programs. It went public in June 2021.
Core Business Areas
- Card Issuing Platform: Marqeta provides a platform for issuing debit, credit, and prepaid cards. This includes APIs and tools for managing card programs, controlling spending, and customizing card features.
Leadership and Structure
The CEO of Marqeta is Jason Gardner. The company has a standard corporate structure with departments focused on engineering, product, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- Modern Card Issuing Platform: Marqeta's core platform allows companies to issue and manage physical and virtual cards. Market share data is dynamic and hard to pin down specifically, but Marqeta is considered a significant player in the modern card issuing space. Competitors include Adyen (ADYEY), Stripe, and Galileo Financial Technologies (owned by SoFi).
- Just-in-Time Funding: This feature allows for real-time authorization and funding of transactions, providing greater control over spending and reducing fraud. Exact revenue from this product is not publicly available, but it is a key differentiator. Competitors include Adyen (ADYEY), Stripe, and Galileo Financial Technologies (owned by SoFi).
Market Dynamics
Industry Overview
The payment processing industry is experiencing significant growth, driven by the increasing adoption of digital payments and e-commerce. Fintech companies are disrupting traditional banking models with innovative payment solutions.
Positioning
Marqeta is positioned as a modern card issuing platform provider that offers greater flexibility and control compared to traditional processors. Its competitive advantages include its API-first approach, real-time data access, and customization capabilities.
Total Addressable Market (TAM)
The TAM for card issuing and payment processing is estimated to be in the trillions of dollars globally. Marqeta is well-positioned to capture a significant share of this market with its innovative platform and strong partnerships.
Upturn SWOT Analysis
Strengths
- Modern, API-first platform
- Flexible and customizable card programs
- Real-time data access and control
- Strong partnerships with leading fintech companies
- Experienced management team
Weaknesses
- Reliance on a few large customers
- Relatively small size compared to established payment processors
- History of net losses
- Competition in a rapidly evolving market
Opportunities
- Expanding into new markets and verticals
- Developing new products and services
- Acquiring smaller companies
- Leveraging partnerships to drive growth
- Increasing adoption of digital payments
Threats
- Increased competition from established payment processors and fintech companies
- Economic downturn
- Changes in regulations
- Security breaches and fraud
- Dependence on key partners
Competitors and Market Share
Key Competitors
- ADYEY
- SQ
- FISV
- GPN
Competitive Landscape
Marqeta competes with both established payment processors and emerging fintech companies. Its advantages include its modern platform, API-first approach, and customization capabilities. Its disadvantages include its smaller size and reliance on a few large customers.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Marqeta has experienced rapid revenue growth in recent years, driven by the increasing adoption of its platform by fintech companies and other businesses.
Future Projections: Analysts expect Marqeta to continue to grow its revenue at a significant rate in the coming years, driven by the increasing adoption of digital payments and its expansion into new markets.
Recent Initiatives: Recent initiatives include partnerships with major companies, expansion into new geographic regions, and the development of new product features.
Summary
Marqeta is a modern card issuing platform provider experiencing rapid growth. Its innovative technology and strong partnerships are key strengths. However, it faces challenges related to competition, customer concentration, and profitability, and is small compared to established competitors which provides upside for future growth
Similar Companies
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
Sources and Disclaimers
Data Sources:
- Marqeta Inc. Investor Relations
- SEC Filings
- Third-party financial data providers
- Industry reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary. Financial performance is dynamic, and recent reports should be reviewed for best accuracy.
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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