Marqeta, Inc. — Software - Infrastructure. Scored on the same transparent 7-signal model behind the daily rankings.
★
MQ
Marqeta, Inc. · Software - Infrastructure
FCF$147mC
Rev+23.3%A-
D/E0.01A
P/S2.6xA-
PEG1.50B
63.3Score
$15.81$1.7B
1Y Target$20.60Analyst consensus · 9 analysts
5Y Target$36.03Compound horizon
10Y Target$91.37Long-dated conviction
FCF$147mTTMC
FCF $147m — modest; watch for margin expansion
Rev+23.3%TTM YoYA-
Revenue +23.3% — strong growth, well above S&P median (~7%)
D/E0.01A
D/E 0.01 — least levered decile in Technology (≈10th pctile)
P/S2.6xA-
P/S 2.6x — cheaper than most Technology peers (≈25th pctile)
PEG1.50B
PEG 1.50 — acceptable premium for growth
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 63.3
Quality0.51
Growth0.93
Value0.54
Why this score
Buying back stock
Entry · Margin of safety
52-week rangeNear 52-week low
44% off the 12-month high
vs DCF fair value40% belowest. fair value ~$26
What the price assumes: free cash flow compounding at ~2% a year for the next decade — vs the ~25% a year our model projects from current growth and analyst estimates.
Quality signals · context only
Gross profitability31% · B+gross profit ÷ total assets (Novy-Marx)
ROIC-2.7% · Freturn on invested capital — not score-weighted
Why now
Software - Infrastructure · market cap $1.7b. Down 44% from 52-week high of $28.16 — deep drawdown territory. Revenue growing +23%, comfortably above the S&P median. 9 sell-side analysts rate this a Hold with a mean 1-yr target of $20.60 (implying +30% upside).
Moat
Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 44% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Net margin 0.3% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 0% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Horizon
1-3 yr $20.60 (9-analyst consensus) — catalyst-driven; binary events dominate. 5 yr $36.03 — requires the platform / technology to reach commercial scale. 10 yr $91.37 — return distribution heavily skewed.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · MQ
Trend
+0.2 over 15 daily scores
From 63.1 (Jun 22) → 63.3 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · MQ
$
%
%
Shares to buy
126
Position size
$1,993
4.0% of portfolio
Stop price
$11.86
25% below $15.81
$ at risk if stopped
$498.17
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Marqeta, Inc. (MQ): score, valuation & FAQ
Marqeta, Inc. (MQ) is a Software - Infrastructure company that scores 63.3 out of 100 on the Bull Rankings quality-growth model — a middling reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are D/E (A), Rev (A-) and P/S (A-). On valuation, MQ sits about 40% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 2% annual free-cash-flow growth over the next decade.
Is MQ a good stock to buy?
Bull Rankings scores MQ 63.3 out of 100 on its quality-growth model, which is a middling reading. That is driven by D/E (A), Rev (A-) and P/S (A-). A score is a quantitative screen of Marqeta, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does MQ score 63.3 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). MQ earns its highest marks on D/E (A), Rev (A-) and P/S (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is MQ overvalued or undervalued?
Based on $15.81, MQ sits about 40% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 2% annual free-cash-flow growth over the next decade. Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in MQ?
Down 44% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Net margin 0.3% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 0% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.