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 has agreed to acquire two-year-old fintech infrastructure startup Power Finance for $223 million in cash, marking the first acquisition in the publicly-traded company's 13-year history. About one-third of the purchase price is payable over a two-year period subject to certain undisclosed conditions.

Marqeta buys fintech Power Finance in $275M all-cash deal, its first acquisition

OAKLAND, Calif.--( BUSINESS WIRE )--Marqeta (NASDAQ: MQ), the global modern card issuing platform, announced today that it has entered into an agreement to acquire credit card program management platform Power Finance, Inc. (“Power”). The deal is expected to close in the first quarter of 2023, subject to the satisfaction of customary closing conditions.

Marqeta Announces Agreement To Acquire Power Finance, Inc.

Card issuing platform Marqeta has named its Chief Product Officer (CPO) Simon Khalaf as CEO. Khalaf joined the company as CPO in June and began leading its go-to-market organization as well in August, Marqeta said in a Thursday (Jan. 26) press release.

Marqeta Names Ex-Yahoo Exec Simon Khalaf as CEO

Marqeta Inc. Chief Product Officer Simon Khalaf will become the company's next chief executive, taking over for founder Jason Gardner, who previously announced he planned to transition his role.

Marqeta promotes Simon Khalaf from chief product officer to CEO

OAKLAND, Calif.--( BUSINESS WIRE )--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced the appointment of Simon Khalaf as its new Chief Executive Officer, effective January 31, 2023. Khalaf will also join Marqeta's Board of Directors. As announced in August, Jason Gardner, Marqeta's founder, Chairman, and current Chief Executive Officer, will become Executive Chairman upon this new appointment. Khalaf joined Marqeta in June of 2022 as Chief Product Officer and has also taken on leadership of the Go-to-Market organization since last August. Alongside Simon's appointment, ex-Google and Ancestry Executive Todd Pollak joins the company as Chief Revenue Officer.

Marqeta Names Simon Khalaf as CEO

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 fourth quarter and full year 2022 financial results on Tuesday, February 28, 2023 at 4:30 pm ET. Hosting the call will be Jason Gardner, Founder and Chief Executive Officer, and Mike Milotich, Chief Financial Officer. A press release with fourth quarter and full year 2022 financial results will be issued after the market closes that same day.

Marqeta to Announce Fourth Quarter and Full Year 2022 Results on February 28, 2023

Affirm

Upstart Holdings

A tough credit environment is hiding these diamonds in the rough.

3 Fintech Stocks to Buy Before the Bear Market Is Over

In a bid to simplify the checkout process, Marqeta said merchants can now let users make digital wallets payments without downloading another app. According to a Thursday (Jan.

Marqeta Web Provisioning Aimed at Boosting Mobile Wallet Use

Long-term expansion in Marqeta is supported by several major secular phenomena. MQ offers one-stop access to the modern payments ecosystem.

Marqeta: First Mover Advantage In A Growing Industry But Stock Has Priced This In

LONDON--( BUSINESS WIRE )--Rakuten France has announced the launch of a brand-new integrated payment solution, Club R Pay, becoming the first e-commerce player to offer such a system in marketplaces. A universal integrated payment solution, Club R Pay facilitates purchases for the 12 million members of the Club R loyalty program on over 2,000 sites while they enjoy their Rakuten rewards.

Rakuten France Launches New Integrated Payment and Cashback Solution, Club R Pay

Marqeta's share price is now down over 70% from its all-time high. The fintech company is expanding its presence beyond the card-issuing space into the banking space, which presents strong growth opportunities.

Marqeta: Great Buying Opportunity

Palantir Technologies

Keep an Eye on These Two $10 Tech Stocks.

2 Tech Stocks Below $10 to Watch in 2023

Mastercard

Marqeta will use Mastercard's Track Instant Pay solution, which automates B2B payments, to attract new business.

Marqeta seeks new business customers with Mastercard B2B solution

OAKLAND, Calif. & PURCHASE, N.Y.--( BUSINESS WIRE )--Marqeta (NASDAQ: MQ), the global modern card issuing platform, today announced that it has integrated Mastercard (NYSE: MA) Track™ Instant Pay, a next-generation virtual card solution that uses machine learning and straight-through processing to enable instant payment of supplier invoices.

Marqeta Announces Integration with Mastercard Track Instant Pay Virtual Card Solution

Shift4 Payments

Lemonade

PayPal

Shopify

Visa

Investors are always looking for undervalued stocks that have the potential to generate strong returns. Undervalued fintech stocks represent attractive investment opportunities, and the timing could not be better.

7 Undervalued Fintech Stocks to Buy in December

This fintech is capitalizing on a multibillion-dollar market opportunity.

One Growth Stock Down 83% You'll Wish You Own When the Bear Market Ends

Payoneer Global

PARIS--( BUSINESS WIRE )--Pelico, the factory operations SaaS platform that empowers manufacturers to deal with rising levels of complexity and volatility in their operations, today announced that it has raised $18M led by 83North and Serena with participation from La Famiglia & ISAI as well as multiple business angels such as Adrien Nussenbaum (Mirakl), Carsten Thoma, Bastian Nominacher (Celonis)

Pelico Raises $18.5M to Help Manufacturers Manage Factory Operations in an Increasingly Complex & Volatile Context

Palo Alto Networks

RingCentral

This bear market will end, and when it does, huge gains will be up for grabs.

3 Great Growth Stocks You Should Buy Now

LendingClub

Live by interest rates, die by the interest rates -- and vice versa.

Why Fintech Stocks Marqeta, Affirm, and LendingClub Are Ripping Higher Today

Marqeta, Inc. (NASDAQ:MQ ) Q3 2022 Earnings Conference Call November 9, 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 Tien-Tsin Huang – JPMorgan Darrin Peller – Wolfe Research Timothy Chiodo – Credit Suisse Ramsey El-Assal – Barclays James Faucette – Morgan Stanley Ashwin Shirvaikar – Citi Rayna Kumar – UBS Josh Beck – KeyBanc Mike Ng – Goldman Sachs Andrew Bauch – SMBC Nikko Securities Bob Napoli – William Blair Operator Good afternoon, ladies and gentlemen, thank you for standing by. Welcome to the Marqeta Third Quarter 2022 Earnings Conference Call.

Marqeta, Inc. (MQ) Q3 2022 Earnings Call Transcript

Shares of Marqeta Inc. were up about 5% in after-hours trading Wednesday after the company, which makes card-issuing technology, topped revenue expectations for its latest quarter and issued an upbeat forecast.

Marqeta stock gains after earnings as revenue forecasts exceeds expectations

Marqeta fell with most of the rest of the market today.

Why Marqeta Stock Was Falling on Wednesday

Marqeta Reports Third Quarter Net Revenue Increase of 46 Percent Year Over Year, Highlighting New Platform Expansion and Global Customer Momentum

D.A. Davidson Advises Industry-Leading Payments Solution, ConnexPay, on Its $110 Million Series C Capital Raise Led by FTV Capital

SoFi Technologies

Fintech stocks took off as interest rates moderated, and Marqeta announced an exciting new product launch.

News for Marqeta Stock (MQ)