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's biggest customer is Block, which accounts for 70% of Marqeta's revenues. Marqeta was not a good capital allocator, using 4% of its market cap to buy back its shares at +75% higher prices than the stock trades for today.

Marqeta: If Block Goes Down, Will This Go Down?

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced a new partnership with Stables (formerly Tiiik) to power its new Mastercard prepaid card. Based in Sydney, Australia, Stables is a digital wallet that allows users to spend, send and earn stablecoins, all on one balance.

Marqeta Announces Partnership with Stables in Australia to Power Prepaid Card

Marqeta is forecasting some impressive revenue growth to kick off 2023. However, the company has some headwinds working against its ability to generate higher profit margins.

Is Marqeta Stock a Buy Right Now?

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Investors were in a “shoot first, ask questions later” frame of mind this past week. As for the FinTech IPO Index, earnings reports helped send the group down on yet another five-day journey that saw a 2.7% loss.

FinTech IPO Index Extends Earnings-Led Downdraft as Marqeta Sheds 24%

Marqeta (MQ) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

Marqeta (MQ) Moves to Buy: Rationale Behind the Upgrade

The heavy selling pressure might have exhausted for Marqeta (MQ) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal.

Down -35.35% in 4 Weeks, Here's Why Marqeta (MQ) Looks Ripe for a Turnaround

Marqeta is a leading provider of modern card issuing for the fintech industry. The company reported solid financial results for Q4 '22 as it beat both revenue and earnings growth estimates.

Marqeta: Market Overreaction And Undervalued Intrinsically

Marqeta, Inc. (NASDAQ:MQ ) Q4 2022 Earnings Conference Call February 28, 2023 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 Tien Huang - JPMorgan Darrin Peller - Wolfe Research Ashwin Shirvaikar - Citi Bob Napoli - William Blair Timothy Chiodo - Credit Suisse Ramsey Assal - Barclays James Faucette - Morgan Stanley Andrew Jeffrey - Truist Operator Good afternoon, ladies and gentlemen. Thank you for standing by.

Marqeta, Inc. (MQ) Q4 2022 Earnings Call Transcript

Slowing buy now, pay later (BNPL) volumes and customers' belt tightening helped send Marqeta's shares down sharply Tuesday after earnings. By the numbers, the card issuing platform company's earnings supplementals show that quarterly total processing volumes (TPV) were 41% year over year to $47 billion.

Despite Embedded Finance's Promise, Slowing BNPL Growth Sends Marqeta Shares Plummeting

Shares of payments-tech provider Marqeta Inc. MQ fell sharply after hours on Tuesday after the company forecast first-quarter sales growth that came in slightly below estimates. The company, whose technology helps facilitate online card payments across customers, apps and merchants, said it expected first-quarter sales growth of 26% to 28%.

Marqeta shares dive as first-quarter forecast comes up shy of expectations

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta, Inc. (NASDAQ: MQ), the global modern card issuing platform, today reported financial results for the fourth quarter and full year ended December 31, 2022. Total processing volume (TPV) was $47 billion for the quarter and net revenue was $204 million. This represented a 41% increase in TPV and a 31% increase in net revenue, compared with the same quarter of 2021. The company saw gross profit of $87 million during the quarter, up 15% year-over-year.

Marqeta Reports Fourth Quarter and Full Year 2022 Financial Results

OAKLAND, Calif.--(BUSINESS WIRE)--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced the addition of Chief Legal Officer, Crystal Sumner, as a key member of its executive team. Sumner will be responsible for overseeing Marqeta's global legal and regulatory affairs.

Marqeta Appoints Crystal Sumner as Chief Legal Officer

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OAKLAND, Calif.--( BUSINESS WIRE )--Marqeta (NASDAQ: MQ), the global modern card issuing platform, announced today that it has completed its acquisition of credit card program management platform Power Finance, Inc. (“Power”).

Marqeta Completes Acquisition of Power Finance, Inc.

The fintech company made big news this week.

Why Marqeta Stock Rose 8% This Week

In one week, Marqeta appointed its second CEO and made its first acquisition.

Marqeta Had a Momentous Week: Here's What It Could Mean for the Stock

Investors initially balked at an up to $275 million deal the company struck to buy a peer.

Why Marqeta Stock Rocked 3% Higher Today

Marqeta, Inc. has seen significant share price losses since its 2021 IPO. Losses are driven by high valuations and increasing losses, as top line sales trends remain quite healthy.

Marqeta: Time To Make A Mark

Card issuer Marqeta will acquire card management platform Power Finance in a $275 million deal. “We already see considerable demand for differentiated credit products from companies looking to innovate in this space who are held back by the constraints of legacy technology,” Simon Khalaf, Marqeta's incoming CEO, said in a Monday (Jan. 30) news release.

Marqeta Acquires Card Management Platform Power Finance for $275M

Marqeta Inc. MQ, -3.98% plans to acquire credit-card program-management company Power Finance for at least $223 million in cash, the company announced Monday. “We already see considerable demand for differentiated credit products from companies looking to innovate in this space who are held back by the constraints of legacy technology,” Simon Khalaf, Marqeta's incoming chief executive, said in a release.

News for Marqeta Stock (MQ)