Stocktoria
Marqeta, Inc. MQ
Marqeta, Inc. (MQ) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend. FY2025 revenue was $624.9M at a -2.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.91 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | 0.319 |
| Retained earnings / assets | -0.532 |
| EBIT / assets | -0.03 |
| Equity / liabilities | 0.999 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| MQ | Marqeta, Inc. | 5/9 | 1.2 | — | +23.3% |
| FSLY | Fastly, Inc. | 6/9 | 0.12 | — | +14.8% |
| VRNS | VARONIS SYSTEMS INC | 4/9 | 0.74 | — | +13.2% |
| NCNO | nCino, Inc. | 7/9 | 1.18 | 330.6 | +10% |
| EVCM | EverCommerce Inc. | 7/9 | 0.45 | 93.6 | +4.8% |
| QLYS | QUALYS, INC. | 7/9 | 3.11 | 21.9 | +10.1% |
| BL | BLACKLINE, INC. | 6/9 | 1.53 | 67.8 | +7.2% |
About Marqeta, Inc.
Marqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services in the United States. The company's platform also provides processor services, bank and network management, program management, and value added services; card issuing, such as debit, prepaid, credit, virtual, and physical cards; UI/UX; access to a suite of bank account and money movement features, including savings accounts, demand deposit accounts, direct deposit with early pay, ACH, cash loads, and fee-free ATMs, bill pay, and instant funding capabilities; Marqeta Dashboard, a self-service portal to access and manage all aspects of card program; TransactPay; Marqeta Hub for consumers, buy now, pay later (BNPL) providers, and card issuers; 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, lending, expense management, and e-commerce enablement, as well as BNPL providers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.
FAQ
Is MQ financially healthy?
Marqeta, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does MQ pay a dividend?
No, Marqeta, Inc. does not currently pay a dividend.
How profitable is MQ?
In FY2025, Marqeta, Inc. had a net margin of -2.2% and a return on equity of -1.8%.
What is the analyst price target for MQ?
The average Wall-Street price target for Marqeta, Inc. is $21.04, about 34.2% above the recent price, from 9 analysts (consensus: hold).
Is MQ a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Marqeta, Inc.: a Piotroski F-score of 5/9, an Altman Z″ in the grey zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.