What is Marqeta, Inc.'s earnings per share (EPS)?

Marqeta, Inc. (MQ) reported diluted earnings per share of $-0.03 for fiscal year 2025. This represents a -160.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Marqeta, Inc. Financials

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Marqeta, Inc. (MQ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MQ FY2025 2026-05-05

Marqeta’s gross-profit expansion now outruns its overhead burden, while a thinner cash cushion reshapes the balance-sheet story.

From FY2023 to FY2025, gross margin rose from 48.7% to 70.0%, showing a much richer spread between revenue and direct costs. At the same time, free cash flow reached $160.8M while net income was -$13.9M, so cash generation improved faster than reported earnings.

Capex was only $1.8M against $162.6M of operating cash flow in FY2025, so this is a capital-light model; cash is not being consumed by physical reinvestment. Cost discipline is the real bottleneck: selling and administrative expense still ran at $340.4M in FY2025. That was enough to keep operating margin at -7.4% even with nearly 70.0% gross margin.

The balance sheet changed more from capital allocation than from weak operations: share buybacks reached $391.4M in FY2025 while cash fell to $709.4M. With current ratio down to 1.6x and total liabilities up to $763.1M, the company still covers near-term obligations but no longer carries the outsized liquidity cushion visible a year earlier.

Financial Health Signals

Financial Health Score 42/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Marqeta, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Marqeta, Inc. has an operating margin of -7.4%, meaning the company retains $-7 of operating profit per $100 of revenue. This below-average margin results in a low score of 28/100, suggesting thin profitability after operating expenses. This is down from -4.8% the prior year.

Growth

Marqeta, Inc.'s revenue surged 23.3% year-over-year to $624.9M, reflecting rapid business expansion. This strong growth earns a score of 20/100.

Leverage

Marqeta, Inc. has a moderate D/E ratio of 1.00. This balance of debt and equity financing earns a leverage score of 47/100.

Liquidity

Marqeta, Inc.'s current ratio of 1.65 indicates adequate short-term liquidity, earning a score of 46/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

Marqeta, Inc. converts 25.7% of revenue into free cash flow ($160.8M). This strong cash generation earns a score of 82/100.

Returns

Marqeta, Inc.'s ROE of -1.8% shows moderate profitability relative to equity, earning a score of 30/100. This is down from 2.5% the prior year.

Altman Z-Score Distress

1.31

Marqeta, Inc. scores 1.31, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($1.7B) relative to total liabilities ($763.1M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

4/7

Marqeta, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

-11.68x

For every $1 of reported earnings, Marqeta, Inc. generates $-11.68 in operating cash flow ($162.6M OCF vs -$13.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$624.9M

YoY+23.3%

5Y CAGR+16.6%

Marqeta, Inc. generated $624.9M in revenue in fiscal year 2025. This represents an increase of 23.3% from the prior year.

EBITDA

-$19.3M

YoY-175.0%

Marqeta, Inc.'s EBITDA was -$19.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 175.0% from the prior year.

Net Income

-$13.9M

YoY-151.0%

Marqeta, Inc. reported -$13.9M in net income in fiscal year 2025. This represents a decrease of 151.0% from the prior year.

EPS (Diluted)

$-0.03

YoY-160.0%

Marqeta, Inc. earned $-0.03 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 160.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$160.8M

YoY+188.4%

5Y CAGR+27.4%

Marqeta, Inc. generated $160.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 188.4% from the prior year.

Cash & Debt

$709.4M

YoY-23.1%

5Y CAGR+26.3%

Marqeta, Inc. held $709.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

70.0%

YoY+0.6pp

5Y CAGR+29.4pp

Marqeta, Inc.'s gross margin was 70.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.6 percentage points from the prior year.

Operating Margin

-7.4%

YoY-2.6pp

5Y CAGR+8.8pp

Marqeta, Inc.'s operating margin was -7.4% in fiscal year 2025, reflecting core business profitability. This is down 2.6 percentage points from the prior year.

Net Margin

-2.2%

YoY-7.6pp

5Y CAGR+14.2pp

Marqeta, Inc.'s net profit margin was -2.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 7.6 percentage points from the prior year.

Return on Equity

-1.8%

YoY-4.3pp

Marqeta, Inc.'s ROE was -1.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$391.4M

YoY+153.4%

Marqeta, Inc. spent $391.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 153.4% from the prior year.

Capital Expenditures

$1.8M

YoY-24.1%

5Y CAGR-5.0%

Marqeta, Inc. invested $1.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 24.1% from the prior year.

MQ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$624.9M+23.3%	$507.0M-25.0%	$676.2M-9.6%	$748.2M+44.7%	$517.2M+78.2%	$290.3M
Cost of Revenue	$187.6M+20.9%	$155.1M-55.2%	$346.7M-19.0%	$428.2M+50.0%	$285.5M+65.6%	$172.4M
Gross Profit	$437.3M+24.3%	$351.8M+6.8%	$329.5M+3.0%	$320.0M+38.1%	$231.7M+96.5%	$117.9M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$340.4M-14.4%	$397.6M-10.9%	$446.4M+23.4%	$361.9M+13.8%	$318.1M+145.1%	$129.8M
Operating Income	-$46.4M-89.8%	-$24.5M+91.4%	-$283.0M-34.9%	-$209.8M-29.5%	-$162.0M-244.1%	-$47.1M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$596K-24.8%	$793K+110.4%	-$7.6M-7363.7%	-$102K+84.1%	-$640K-835.6%	$87K
Net Income	-$13.9M-151.0%	$27.3M+112.2%	-$223.0M-20.7%	-$184.8M-12.7%	-$163.9M-243.7%	-$47.7M
EPS (Diluted)	$-0.03-160.0%	$0.05+111.9%	$-0.42-23.5%	$-0.34+24.4%	$-0.45-15.4%	$-0.39

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$165.8M-3.7%	$172.1M+5.4%	$163.3M+8.6%	$150.4M+8.1%	$139.1M+2.4%	$135.8M+6.1%	$128.0M+2.2%	$125.3M
Cost of Revenue	$48.2M-7.5%	$52.1M+7.0%	$48.7M+5.2%	$46.3M+14.7%	$40.4M+7.5%	$37.6M-0.7%	$37.8M-17.6%	$45.9M
Gross Profit	$117.6M-2.0%	$120.0M+4.7%	$114.6M+10.1%	$104.1M+5.5%	$98.7M+0.5%	$98.2M+9.0%	$90.1M+13.6%	$79.4M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$78.0M-11.4%	$88.1M+3.8%	$84.9M+4.3%	$81.4M-5.4%	$86.0M-12.6%	$98.5M-2.5%	$101.0M-2.1%	$103.2M
Operating Income	$2.1M+125.2%	-$8.3M+20.0%	-$10.4M-12.4%	-$9.2M+50.2%	-$18.5M+50.5%	-$37.4M+11.4%	-$42.2M-140.2%	$105.0M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$193K+156.3%	-$343K-168.9%	$498K+141.7%	$206K-12.3%	$235K-40.4%	$394K+242.6%	$115K-23.3%	$150K
Net Income	$7.8M+662.0%	-$1.4M+61.5%	-$3.6M-460.1%	-$647K+92.2%	-$8.3M+69.5%	-$27.1M+5.3%	-$28.6M-124.0%	$119.1M
EPS (Diluted)	$0.02	N/A	$-0.01	$0.00+100.0%	$-0.02	N/A	$-0.06-126.1%	$0.23

MQ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B+4.2%	$1.5B-8.0%	$1.6B-10.2%	$1.8B-3.3%	$1.8B+299.9%	$457.7M
Current Assets	$1.2B-1.1%	$1.2B-10.0%	$1.4B-20.5%	$1.7B-2.9%	$1.8B+317.4%	$430.9M
Cash & Equivalents	$709.4M-23.1%	$923.0M-5.9%	$981.0M-17.1%	$1.2B-5.1%	$1.2B+466.0%	$220.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$41.4M+38.1%	$30.0M+53.5%	$19.5M+25.5%	$15.6M+18.1%	$13.2M+56.6%	$8.4M
Goodwill	$154.7M+25.2%	$123.5M0.0%	$123.5M	$0	N/A	N/A
Total Liabilities	$763.1M+101.8%	$378.2M+9.2%	$346.3M+16.4%	$297.4M+15.7%	$257.0M-61.7%	$671.4M
Current Liabilities	$749.1M+101.9%	$371.0M+10.2%	$336.6M+19.0%	$282.9M+18.9%	$238.0M+68.7%	$141.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$762.0M-29.8%	$1.1B-12.7%	$1.2B-15.6%	$1.5B-6.4%	$1.6B+836.2%	-$213.7M
Retained Earnings	-$811.8M-1.7%	-$797.9M+3.3%	-$825.2M-37.0%	-$602.2M-44.3%	-$417.5M-64.7%	-$253.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.5B-3.2%	$1.5B+2.5%	$1.5B+22.5%	$1.2B-10.0%	$1.3B-7.8%	$1.5B+1.9%	$1.4B-3.5%	$1.5B
Current Assets	$1.2B-3.8%	$1.2B+2.9%	$1.2B+21.2%	$990.2M-12.7%	$1.1B-9.2%	$1.2B+2.3%	$1.2B-4.1%	$1.3B
Cash & Equivalents	$674.8M-4.9%	$709.4M-5.1%	$747.2M+2.0%	$732.7M-11.8%	$830.9M-10.0%	$923.0M+4.1%	$886.4M-4.1%	$924.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$45.9M+10.8%	$41.4M+14.7%	$36.1M-2.8%	$37.2M+30.8%	$28.4M-5.2%	$30.0M+13.7%	$26.4M+1.6%	$26.0M
Goodwill	$154.0M-0.5%	$154.7M+0.1%	$154.5M+25.1%	$123.5M0.0%	$123.5M0.0%	$123.5M0.0%	$123.5M0.0%	$123.5M
Total Liabilities	$734.4M-3.8%	$763.1M+17.5%	$649.2M+74.9%	$371.2M+2.4%	$362.4M-4.2%	$378.2M+11.2%	$340.2M-1.7%	$345.9M
Current Liabilities	$721.1M-3.7%	$749.1M+17.6%	$636.8M+76.2%	$361.3M+1.2%	$357.0M-3.8%	$371.0M+11.2%	$333.6M-1.3%	$337.8M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$742.3M-2.6%	$762.0M-9.2%	$839.2M-0.5%	$843.4M-14.6%	$987.3M-9.0%	$1.1B-1.0%	$1.1B-4.1%	$1.1B
Retained Earnings	-$804.0M+1.0%	-$811.8M-0.2%	-$810.4M-0.4%	-$806.8M-0.1%	-$806.2M-1.0%	-$797.9M-3.5%	-$770.8M-3.9%	-$742.1M

MQ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$162.6M+179.6%	$58.2M+175.6%	$21.1M+262.8%	-$13.0M-122.8%	$57.0M+13.3%	$50.3M
Capital Expenditures	$1.8M-24.1%	$2.4M+217.3%	$762K-67.1%	$2.3M-15.5%	$2.7M+15.5%	$2.4M
Free Cash Flow	$160.8M+188.4%	$55.8M+174.1%	$20.3M+233.1%	-$15.3M-128.2%	$54.2M+13.2%	$47.9M
Investing Cash Flow	$271.1M+283.0%	$70.8M+83.8%	$38.5M+34.1%	$28.7M+108.7%	-$329.1M-471.8%	-$57.6M
Financing Cash Flow	-$347.3M-85.8%	-$186.9M+28.6%	-$261.8M-229.4%	-$79.5M-106.1%	$1.3B+676.3%	$167.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$391.4M+153.4%	$154.4M-18.9%	$190.4M+143.7%	$78.1M	$0	$0

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$3.4M-106.3%	$53.3M-38.5%	$86.8M+591.5%	$12.5M+25.6%	$10.0M-59.7%	$24.8M+240.0%	$7.3M-71.7%	$25.7M
Capital Expenditures	$1.3M+914.6%	-$157K-140.2%	$391K+16.7%	$335K-73.5%	$1.3M+3416.7%	$36K-81.0%	$189K-81.1%	$1.0M
Free Cash Flow	-$4.6M-108.7%	$53.2M-38.4%	$86.4M+607.3%	$12.2M+40.0%	$8.7M-64.7%	$24.7M+248.5%	$7.1M-71.3%	$24.7M
Investing Cash Flow	$16.1M+24.7%	$12.9M-92.9%	$182.5M+199.9%	$60.9M+309.5%	$14.9M-56.0%	$33.7M+247.7%	$9.7M+257.4%	-$6.2M
Financing Cash Flow	-$74.5M-141.0%	-$30.9M-11.0%	-$27.8M+83.8%	-$171.6M-46.7%	-$117.0M-434.0%	-$21.9M+60.4%	-$55.3M+15.1%	-$65.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$39.2M-59.4%	$96.6M+393.9%	$19.6M-88.1%	$163.9M+47.3%	$111.3M+566.2%	$16.7M-64.1%	$46.6M-19.0%	$57.5M

MQ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	70.0%+0.6pp	69.4%+20.7pp	48.7%+6.0pp	42.8%-2.0pp	44.8%+4.2pp	40.6%
Operating Margin	-7.4%-2.6pp	-4.8%+37.0pp	-41.9%-13.8pp	-28.0%+3.3pp	-31.3%-15.1pp	-16.2%
Net Margin	-2.2%-7.6pp	5.4%+38.4pp	-33.0%-8.3pp	-24.7%+7.0pp	-31.7%-15.3pp	-16.4%
Return on Equity	-1.8%-4.3pp	2.5%+20.4pp	-17.9%-5.4pp	-12.5%-2.1pp	-10.4%	N/A
Return on Assets	-0.9%-2.8pp	1.9%+15.9pp	-14.0%-3.6pp	-10.4%-1.5pp	-9.0%+1.5pp	-10.4%
Current Ratio	1.65-1.7	3.37-0.8	4.13-2.0	6.17-1.4	7.56+4.5	3.05
Debt-to-Equity	1.00+0.7	0.35+0.1	0.28+0.1	0.20+0.0	0.16+3.3	-3.14
FCF Margin	25.7%+14.7pp	11.0%+8.0pp	3.0%+5.1pp	-2.0%-12.5pp	10.5%-6.0pp	16.5%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	70.9%+1.2pp	69.7%-0.4pp	70.2%+1.0pp	69.2%-1.8pp	71.0%-1.4pp	72.3%+1.9pp	70.4%+7.1pp	63.3%
Operating Margin	1.3%+6.1pp	-4.8%+1.5pp	-6.3%-0.2pp	-6.1%+7.2pp	-13.3%+14.2pp	-27.6%+5.4pp	-33.0%-116.9pp	83.9%
Net Margin	4.7%+5.5pp	-0.8%+1.4pp	-2.2%-1.8pp	-0.4%+5.5pp	-5.9%+14.0pp	-20.0%+2.4pp	-22.4%-117.5pp	95.1%
Return on Equity	1.1%+1.2pp	-0.2%+0.2pp	-0.4%-0.4pp	-0.1%+0.8pp	-0.8%+1.7pp	-2.5%+0.1pp	-2.6%-13.0pp	10.4%
Return on Assets	0.5%+0.6pp	-0.1%+0.1pp	-0.2%-0.2pp	-0.1%+0.6pp	-0.6%+1.2pp	-1.8%+0.1pp	-2.0%-10.0pp	8.0%
Current Ratio	1.650.0	1.65-0.2	1.88-0.9	2.74-0.4	3.18-0.2	3.37-0.3	3.66-0.1	3.77
Debt-to-Equity	0.99-0.0	1.00+0.2	0.77+0.3	0.44+0.1	0.37+0.0	0.35+0.0	0.310.0	0.30
FCF Margin	-2.8%-33.7pp	30.9%-22.0pp	52.9%+44.8pp	8.1%+1.8pp	6.3%-11.9pp	18.2%+12.7pp	5.5%-14.2pp	19.7%

Similar Companies

Pagseguro Digita PAGS

$2.6B

Pagaya Technologies Ltd. PGY

$1.5B

Payoneer Global Inc. PAYO

$2.4B

Appian APPN

$1.9B

Digitalocean Hldgs Inc DOCN

$12.9B

Frequently Asked Questions

What is Marqeta, Inc.'s annual revenue?

Marqeta, Inc. (MQ) reported $624.9M in total revenue for fiscal year 2025. This represents a 23.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Marqeta, Inc.'s revenue growing?

Marqeta, Inc. (MQ) revenue grew by 23.3% year-over-year, from $507.0M to $624.9M in fiscal year 2025.

Is Marqeta, Inc. profitable?

No, Marqeta, Inc. (MQ) reported a net income of -$13.9M in fiscal year 2025, with a net profit margin of -2.2%.

What is Marqeta, Inc.'s EBITDA?

Marqeta, Inc. (MQ) had EBITDA of -$19.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Marqeta, Inc.'s gross margin?

Marqeta, Inc. (MQ) had a gross margin of 70.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Marqeta, Inc.'s operating margin?

Marqeta, Inc. (MQ) had an operating margin of -7.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Marqeta, Inc.'s net profit margin?

Marqeta, Inc. (MQ) had a net profit margin of -2.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Marqeta, Inc.'s return on equity (ROE)?

Marqeta, Inc. (MQ) has a return on equity of -1.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Marqeta, Inc.'s free cash flow?

Marqeta, Inc. (MQ) generated $160.8M in free cash flow during fiscal year 2025. This represents a 188.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Marqeta, Inc.'s operating cash flow?

Marqeta, Inc. (MQ) generated $162.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Marqeta, Inc.'s total assets?

Marqeta, Inc. (MQ) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Marqeta, Inc.'s capital expenditures?

Marqeta, Inc. (MQ) invested $1.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Marqeta, Inc. buy back shares?

Yes, Marqeta, Inc. (MQ) spent $391.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Marqeta, Inc.'s current ratio?

Marqeta, Inc. (MQ) had a current ratio of 1.65 as of fiscal year 2025, which is generally considered healthy.

What is Marqeta, Inc.'s debt-to-equity ratio?

Marqeta, Inc. (MQ) had a debt-to-equity ratio of 1.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Marqeta, Inc.'s return on assets (ROA)?

Marqeta, Inc. (MQ) had a return on assets of -0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Marqeta, Inc.'s Altman Z-Score?

Marqeta, Inc. (MQ) has an Altman Z-Score of 1.31, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Marqeta, Inc.'s Piotroski F-Score?

Marqeta, Inc. (MQ) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Marqeta, Inc.'s earnings high quality?

Marqeta, Inc. (MQ) has an earnings quality ratio of -11.68x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Marqeta, Inc.?

Marqeta, Inc. (MQ) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.