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 reported Q1 revenue and TPV growth of 54% and 53% respectively, both beating expectations. 2022 revenue growth is expected to be just shy of 40%, though adjusted EBITDA loss margin is expected to be in the high-single digits.

Marqeta: Strong Start To The Year; Remaining Focused On Profitability

OAKLAND, Calif.--(BUSINESS WIRE)--The pandemic ushered in a seismic shift in preferences around how consumers want to pay, bank and shop, which two years later has become commonplace and second nature, according to a new survey from Marqeta (NASDAQ: MQ), the global modern card issuing platform. The company's 2022 State of Consumer Money Movement report released today – surveying 4,000 consumers across three continents, including 2,000 in the US – shows the increasing prevalence of mobile wallet

Marqeta Study: COVID-Driven Digital Payment Adoption Likely Here to Stay for US Consumers

LONDON--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, has today released its 2022 State of Consumer Money Movement report looking at consumer payment, banking and shopping preferences, showing digital adoption is on the rise. The company surveyed of 4,000 consumers across three continents, including 1,000 UK respondents, showed that 61% of consumers feel confident enough with contactless payments to leave their wallet at home and just take their phone – a figur

77% Of Gen Z Are Ditching Physical Wallets to Pay by Mobile

MELBOURNE, Australia--(BUSINESS WIRE)--Australian consumers are at the forefront of mobile wallet use and adoption of digital banking tools, abandoning cash and physical payment experiences in larger numbers than the US or UK, according to a new survey from Marqeta (NASDAQ: MQ), the global modern card issuing platform. The company's 2022 State of Consumer Money Movement report released today – surveying 4,076 consumers across three continents, including more than 1,000 in Australia - examined h

Marqeta Study: Australians Lead the Way in Digital Payment Use, as Mobile Wallet Use Spikes 67 Percent Post-COVID

Embedded finance FinTech Alviere is partnering with card issuer Marqeta to bring expanded financial services to more businesses in Europe. Alviere is in the midst of growing its footprint across Europe, and the foundational tie-up with Marqeta will provide central services to drive the growth, bringing advanced financial services to the region.

Embedded Finance FinTech Alviere Inks Deal With Card Issuer Marqeta

NEW YORK--(BUSINESS WIRE)--Alviere, the leading global embedded finance platform that enables any brand to deliver a full suite of financial products and services to customers, fans, and employees, today announced a groundbreaking partnership with Marqeta (NASDAQ: MQ), the global modern card issuing platform. With Alviere's expansion across Europe, Marqeta will provide key services to enable the delivery of advanced financial services to customers across Europe and the United Kingdom. Alviere w

Marqeta and Alviere Launch Groundbreaking Partnership in Europe

Global card issuing platform Marqeta on Thursday (May 19) partnered with technology-focused bank Evolve Bank & Trust in a move that improves the company's Banking-as-a-Service (BaaS) speed for customers and allows them to access Marqeta's full program management capabilities. Evolve works with FinTechs through a wide variety of services, including a dedicated Open Banking division, […]

Marqeta Partners With Evolve Bank & Trust on Expanded Program Management Capabilities

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced the addition of Evolve Bank & Trust as a new bank partner to offer additional solutions for customers that take advantage of Marqeta's full program management capabilities. Evolve is a technology-focused bank that works with a diverse portfolio of fintech companies to provide a range of services, including a dedicated Open Banking division in which they offer innovative “Banking

Marqeta Adds Evolve Bank & Trust as Bank Partner to Expand Program Management Capabilities

Analysts remained positive on Marqeta, Inc (NASDAQ: MQ) post Q1 results. Credit Suisse analyst Timothy Chiodo had an Outperform with a price target of $13.50.

Marqeta Shares Shoot Higher On Positive Analyst View Post Q1

Marqeta, Inc. (NASDAQ:MQ ) Q1 2022 Earnings Conference Call May 11, 2022 4:30 PM ET Company Participants Stacey Finerman - Vice President, Investor Relations Jason Gardner - Founder and Chief Executive Officer Mike Milotich - Chief Financial Officer Conference Call Participants Timothy Chiodo - Credit Suisse James Faucette - Morgan Stanley Darrin Peller - Wolfe Research Tien-Tsin Huang - JPMorgan Ramsey El-Assal - Barclays Andrew Bauch - SMBC Nikko Securities Dan Dolev - Mizuho Sanjay Sakhrani - KBW Bob Napoli - William Blair Operator Good afternoon. Ladies and gentlemen, thank you for standing by.

Marqeta, Inc. (MQ) CEO Jason Gardner on Q1 2022 Results - Earnings Call Transcript

Consumers have continued to spend using cards.  Buy now, pay later (BNPL) has become less a novelty than a firmly entrenched payment method.

Marqeta TPV Grows 53% as BNPL Volumes Double, Travel Spending Snaps Back

Marqeta Inc. shares were headed slightly higher in after-hours trading Wednesday after the card-issuing company topped expectations with its latest results and outlook.

Earnings Results: Marqeta stock inches higher after earnings, forecast beat estimates

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the global modern card issuing platform, today reported financial results for the first quarter ended March 31, 2022. Total processing volume (TPV) was $37 billion for the quarter, with net revenue of $166 million. This represented an increase of 53% and 54%, respectively, from the same quarter of 2021. Gross profit of $75 million during the quarter grew 50% year over year, resulting in a margin of 45%. GAAP net loss was $61 million

Marqeta First Quarter Net Revenue Jumps 54 Percent Year Over Year, Highlighting Strong, Continued Growth

Marqeta Inc (NASDAQ: MQ) shares are trading lower by 6.05% at $6.60. Traders and investors are watching for the company's first-quarter earnings report, confirmed for Tuesday's after-hours session.

What's Going On With Bitcoin- And Ethereum-Related Stock Marqeta?

Marqeta (MQ) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Why Earnings Season Could Be Great for Marqeta (MQ)

Marqeta's (MQ) first-quarter 2022 revenues are likely to have increased year over year.

Marqeta (MQ) to Report Q1 Earnings: What's in the Offing?

Marqeta ( MQ , Financial) was founded in 2010 but struggled to find product market fit until 2015. However, since then, the company has been at the cutting edge of modern card issuing.

Marqeta: A Fintech Growth Stock With Value Characteristics

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This card-issuing company is a rising fintech powerhouse.

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Inflation continues to dominate headlines in 2022 for good reason, as the CPI for all items accelerated to 8.5% in March, the largest 12-month increase since December 1981. One way for investors to decrease risk exposure to rising inflation is by investing in businesses that are structured to benefit from rising prices.

Marqeta: An Inflation Power Play

Global card issuing platform Marqeta is introducing a new product suite the company said will help customers that use its card-issuing platform fight fraud — a problem expected to generate losses of $400 billion over the next 10 years. The Oakland, California, company stated in an announcement that the suite, called RiskControl, “is designed to […]

Card Issuing Platform Marqeta Launches Risk Management Suite

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced its new RiskControl solution, a comprehensive product suite to help its customers better optimize their card programs and take control of end-to-end risk management. RiskControl is designed to provide Marqeta's customers with comprehensive risk, compliance, and fraud management capabilities across the cardholder lifecycle, allowing them to focus on their business growth. RiskControl

Marqeta Announces RiskControl, An End-to-End Risk Management Suite of Products for Card Issuers to Combat Payment Card Fraud

MINNEAPOLIS & OAKLAND, Calif.--(BUSINESS WIRE)--Branch, the leading workforce payments platform, and Marqeta (NASDAQ: MQ), global modern card issuing platform, today announced findings from the second annual Branch x Marqeta Gig Payments Report, a joint study on the work and payments preferences of gig workers. Surveying over 1,000 workers who turned to gig and 1099 work in the last six months, the study found that over 80 percent of respondents (85%) have recently increased or planned to incre

Rising Inflation Leads More Workers to the Gig Economy, Citing Increased Expenses and Fuel Costs

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I have published many articles recently highlighting financial technology companies and the evolution of the open banking paradigm.

News for Marqeta Stock (MQ)