Marqeta, Inc.
MQTechnologyNASDAQSoftware - Infrastructure · Last scanned Jul 18, 2026
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Daily timeframeMarqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services in the United States. Valued at $1.84B, MQ is a small-cap name in its sector. 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.
Market Cap
$1.84B
Beta
1.31
P/E (TTM)
437.25
P/E (Fwd)
41.62
EPS (TTM)
$0.04
EPS (Fwd)
$0.42
ROE
0.3%
ROA
-1.0%
Cash
$712.1M
Total Debt
$7.4M
Free CF
$116.2M
52W Change
-23.7%
Annual Financials
Cash vs Debt
Marqeta, Inc. holds $712.1M in cash against $7.4M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Annual free cash flow of $116.2M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 0.2% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has pulled back from $748.2M (2022) to $624.9M (2025), a 16% decline worth watching.
With cash comfortably exceeding debt, MQ has financial flexibility that may help navigate uncertain periods. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. No single metric tells the full story. Reviewing MQ's risk profile alongside its fundamentals and technical indicators provides a more complete picture.