Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Gross Margin

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Compensation and benefits

Professional services

Technology

Occupancy

Depreciation and amortization

Marketing and advertising

Other operating expenses

Executive chairman long-term performance award

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Marqeta

Marqeta, Inc. engages in the creation of a digital payment technology. The firm develops a modern card issuing platform, providing infrastructure and tools for building configurable payment cards. It provides its customers issuer processor services and also acts as a card program manager. The company was founded by Jason M. Gardner in 2010 and is headquartered in Oakland, CA.

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Marqeta reports robust Q4 performance, eyes embedded finance opportunities

Marqeta's Q4 performance reflects strong growth in TPV, net revenue, and gross profit, with a focus on sustainable and profitable growth strategies.
The company's transition to embedded finance positions them well for market demand, despite challenges in sales bookings and macroeconomic uncertainties.
With a strategic focus on innovation, operational excellence, and customer satisfaction, Marqeta aims to drive growth through diverse use cases and partnerships.

Marqeta reports robust Q1 earnings, eyes growth in embedded finance

Marqeta's Q1 performance reflects strong revenue growth and operational efficiency gains, underpinned by a focus on embedded finance and cost optimization.
While challenges like achieving positive EBITDA margins and navigating regulatory changes exist, the company's diverse revenue streams and market position present growth opportunities.
By leveraging its strengths in embedded finance, diverse revenue streams, and innovative solutions, Marqeta is poised for continued growth and market leadership in the fintech space.

Marqeta reports robust Q2 performance, faces challenges in Q3

Marqeta's Q2 performance reflects strong growth in processing volume and net revenue, driven by international expansion and embedded finance deals. The company faces challenges in Q3 due to Cash App renewal impact but remains focused on sustainable growth.
Opportunities lie in diverse embedded finance use cases, platform enhancements, and strategic acquisitions. Marqeta's focus on innovation and long-term profitability positions it well for future growth and success.

Marqeta reports strong Q3 performance amidst revenue challenges

Marqeta's Q3 performance was strong despite revenue contraction, driven by increased TPV and efficiency improvements.
The company's shift towards fee-for-service models and global expansion present growth opportunities amid challenges.
Analysts are closely monitoring gross profit concentration, expense management, and revenue conversion for future performance.
Investor Day discussions on revenue mix and strategic models will shed light on the company's future direction.

Marqeta reports mixed Q4 results, eyes TPV growth in 2024

Marqeta's Q4 2023 performance showed growth in TPV but a decrease in net revenue, with a focus on operational efficiencies and product innovation.
While facing revenue contraction challenges in 2024, the company anticipates positive adjusted EBITDA in 3 out of 4 quarters, with opportunities in TPV growth and stability.
Strengths lie in bookings growth, faster program launches, and improved transaction success rates, with expansion deals driving business growth.
The company's strategic initiatives include international expansion, value-added services, and talent leverage in Poland for cost reduction.

Marqeta exceeds Q1 expectations, eyes growth in wage access

Marqeta's Q1 2024 performance was robust, with strong TPV growth and operational efficiency improvements.
While facing challenges with net revenue contraction and cost structure growth, the company is strategically positioned for sustainable profitable growth.
Opportunities in the accelerated wage access market, international expansion, and value-added services present avenues for Marqeta's continued success.

Marqeta surpasses Q2 expectations, eyes global growth and profitability

Marqeta's Q2 performance exceeded expectations, showcasing growth in revenue, TPV, and gross profit despite a negative adjusted EBITDA.
The company's strategic partnerships, certification by Visa, and focus on innovation underscore its competitive strengths and market positioning.
While challenges persist in achieving positive EBITDA margins, Marqeta's focus on efficiency and growth opportunities bode well for its future prospects.

Marqeta reports strong Q3 growth, faces Q4 challenges with regulatory delays

Marqeta's Q3 performance showcased robust growth and operational efficiency, underpinned by innovative product launches and strategic partnerships.
While facing challenges in Q4 due to regulatory hurdles, the company remains confident in its trajectory and is actively working on solutions to drive profitability and overcome obstacles.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Marqeta faces heightened regulatory oversight, delaying 15 programs and lowering Q4'24 guidance to 10-12% revenue growth and 13-15% gross margins, causing shares to drop -42.52%. Despite a 30% increase in total processing volumes in Q3'24, revenue growth was impacted by a customer mix shift and renegotiated platform partner agreements. Management forecasts significant financial challenges for Q4'24 and eFY25, with lower net revenue, tighter gross margins, and higher operational costs due to regulatory changes.

Marqeta's Operational Headwinds May Not Be In The Rearview Mirror

LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz announces an investigation of Marqeta, Inc. (“Marqeta” or the “Company”) (NASDAQ:MQ) on behalf of investors concerning the Company's possible violations of federal securities laws. If you are a shareholder who suffered a loss, click here to participate. On November 4, 2024, Marqeta released weaker-than-expected third quarter 2024 financial results and fourth quarter 2024 guidance. The Company explained its “guidance reflects several.

The Law Offices of Frank R. Cruz Announces Investigation of Marqeta, Inc. (MQ) on Behalf of Investors

NEW YORK, NY / ACCESSWIRE / November 5, 2024 / Bronstein, Gewirtz & Grossman, LLC is investigating potential claims on behalf of purchasers of Marqeta, Inc. ("Marqeta" or "the Company") (NASDAQ:MQ). Investors who purchased Marqeta securities are encouraged to obtain additional information and assist the investigation by visiting the firm's site: bgandg.com/MQ.

Bronstein, Gewirtz & Grossman, LLC Encourages Marqeta, Inc. (MQ) Investors to Inquire about Securities Investigation

LOS ANGELES--(BUSINESS WIRE)--MQ Investors Have Opportunity to Join Marqeta, Inc. Fraud Investigation with the Schall Law Firm.

MQ Investors Have Opportunity to Join Marqeta, Inc. Fraud Investigation with the Schall Law Firm

Restaurant Brands

YUM! Brands

Taco Bell's resilience boosts Yum, while KFC and Pizza Hut see declines. Learn how Yum, Restaurant Brands, and Marqeta face sector challenges.

Taco Bell Shines as Yum, Restaurant Brands Struggle; Marqeta Shares Sink 30%

The financial services company slashes its revenue forecast for the fourth quarter.

Marqeta Stock Sinks 39% After Cut to Growth Forecast

Marqeta, Inc. (NASDAQ:MQ ) Q3 2024 Earnings Conference Call November 4, 2024 4:30 PM ET Company Participants Stacey Finerman - Vice President, Investor Relations Simon Khalaf - Chief Executive Officer Mike Milotich - Chief Financial Officer Conference Call Participants Ramsey El-Assal - Barclays Darrin Peller - Wolfe Research Tien-Tsin Huang - JPMorgan Timothy Chiodo - UBS Sanjay Sakhrani - KBW Andrew Schmidt - Citi Andrew Bauch - Wells Fargo Operator Ladies and gentlemen, greetings, and welcome to the Marqeta, Inc. Third Quarter 2024 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded.

Marqeta, Inc. (MQ) Q3 2024 Earnings Call Transcript

Although the revenue and EPS for Marqeta (MQ) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Marqeta (MQ) Reports Q3 Earnings: What Key Metrics Have to Say

Marqeta (MQ) came out with a quarterly loss of $0.06 per share in line with the Zacks Consensus Estimate. This compares to loss of $0.07 per share a year ago.

Marqeta (MQ) Reports Q3 Loss, Tops Revenue Estimates

The fintech company's forecast fell short of prior guidance as some customers are moving to in-house solutions and others are reacting to heightened banking regulations.

Marqeta's stock may shed a third of its value as these factors spur weak outlook

Marqeta shares plummeted in extended trading on Monday after the company issued guidance that fell well short of analysts' estimates. The stock was already down 15% for the year prior to the report and has lost more than 80% of its value since peaking in 2021.

Marqeta shares plunge more than 30% on big forecast miss

OAKLAND--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the global modern card issuing platform, today reported financial results for the third quarter ended September 30, 2024. The Company reported Total Processing Volume (TPV) of $74 billion, representing a year-over-year increase of 30%. The Company reported Net Revenue of $128 million and Gross Profit of $90 million, representing increases of 18% and 24%, respectively, year-over-year. GAAP Net Loss for the quarter was $29 million and Adjusted.

Marqeta Reports Third Quarter 2024 Financial Results

LAS VEGAS--(BUSINESS WIRE)--Traditional approaches to credit card loyalty have shifted as more people use digital payments, and financial services companies need to reinvent their approach to reflect the current reality, according to new research out today from Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators. The fourth annual State of Credit Report, released today at Money2020 in Las Vegas surveyed 3,000 people, i.

New Marqeta Research Finds Tremendous Opportunity for Credit Providers to Rethink Customer Loyalty

LONDON--(BUSINESS WIRE)--Consumers are increasingly seeking more personalised benefits from their credit card providers, such as rewards and loyalty points, according to a new survey published today by Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators. The company has published its fourth annual 2024 State of Credit report which polled 3,000 consumers globally – including 1,000 in the United Kingdom – revealing that.

Marqeta Survey: Customer Loyalty Shifts as UK Consumers Embrace A New Era of Hyper-Personalized Credit Options

LAS VEGAS--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators, today unveiled its Marqeta Flex solution at Money 2020, an innovative new solution that revolutionizes the way BNPL payment options can be delivered inside payment apps and wallets, surfacing them at the moment of need within an existing payment flow. Marqeta Flex is being developed with leading payment providers Klarna and Affirm and paym.

Marqeta Announces Marqeta Flex, An Industry-Leading, Buy Now, Pay Later Solution That Can Be Embedded Into Payment Apps

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators, today introduced two new products – UX Toolkit and Portfolio Migrations – to its card program management tools. Marqeta's program management capabilities combine the power of its technology with its breadth of expertise around card implementation, helping to drive the success and scalability of its customers' card programs. UX Toolki.

Marqeta Announces New Enhancements to Its Program Management Capabilities, Reducing the Complexity of Building Modern Payment Experiences

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the global modern card issuing platform, today announced that it will host a conference call and webcast to discuss third quarter 2024 financial results on Monday, November 4, 2024 at 4:30 pm ET. Hosting the call will be Simon Khalaf, Chief Executive Officer, and Mike Milotich, Chief Financial Officer. A press release with the third quarter 2024 financial results will be issued after the market closes that same day. The conference ca.

Marqeta to Announce Third Quarter 2024 Results on November 4, 2024

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators, today announced a new customer, Found, a business banking platform that supports small businesses and the self-employed. Found's commercial card solution, powered by Marqeta, allows small businesses and self-employed entrepreneurs to access more sophisticated and customized business banking capabilities than are traditionally offered.

Marqeta and Found Bring Streamlined Expense Management Offerings to SMBs and Self-Employed Professionals

Card issuing platform Marqeta has a new chief artificial intelligence (AI) officer. Fouzi Husaini, a veteran of Amazon and Capital One, will play a key role in Marqeta's efforts to scale its AI organization, the company announced Monday (Sept.

Marqeta Names Amazon Vet Fouzi Husaini as Chief AI Officer

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embedded finance solutions for the world's innovators, today announced that Fouzi Husaini has joined the company as its Chief Artificial Intelligence Officer. Previously at Capital One and Amazon, Husaini will play a pivotal role in scaling Marqeta's AI organization to help increase purchasing power for all by reducing risk and improving consumer and commercial rewards, while also helpin.

Marqeta Announces Fouzi Husaini as Company's Chief Artificial Intelligence Officer

The mean of analysts' price targets for Marqeta (MQ) points to a 38.1% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

Wall Street Analysts Think Marqeta (MQ) Could Surge 38.09%: Read This Before Placing a Bet

Marqeta is growing on the backs of various high-growth, innovative customers. Renewing its contract with Block has heavily skewed its underlying performance.

Wall Street May Be Selling This Fintech Stock, but I'm Buying. Here's Why

Caesars Entertainment

Pubmatic

In this article, we share 12 ideas published last week focused on stocks with less coverage on Seeking Alpha. Ideas this week include two new publicly traded notes, a satellite company, a card-issuer and processor, a PC insurance company, and more. One article highlighted is analyst Jussi Askola's current "favorite dividend pick".

Undercovered Dozen: Root, Marqeta, Caesars Entertainment, Rumble, Pubmatic +

The average of price targets set by Wall Street analysts indicates a potential upside of 35.5% in Marqeta (MQ). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

Wall Street Analysts Believe Marqeta (MQ) Could Rally 35.54%: Here's is How to Trade

Marqeta reported Q2 earnings that beat estimates, sending shares up 8% the next day. More importantly, Q2 is the turning point for Marqeta as its Block renewal contract is finally fully lapped. In the last four quarters, Marqeta recorded negative Revenue growth due to the Block renewal — that is about to change in Q3 and beyond.

News for Marqeta Stock (MQ)