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    Software - Infrastructure
Marqeta, Inc.

Marqeta, Inc.

MQ
Marqeta, Inc.US flagNASDAQ Global Select
3.87
USD
-0.23
- -
1.64BMarket Cap

Income Statement (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
143
290
517
748
676
507
625
+ Sales & Services Revenue
143
290
517
748
676
507
625
- Cost of Revenue
83
172
285
428
347
155
188
+ Cost of Goods & Services
83
172
285
428
347
155
188
Gross Profit
60
118
232
320
330
352
437
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
119
165
394
530
613
376
484
+ Selling, General & Admin
101
143
343
447
528
282
371
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
18
22
51
83
84
94
113
Operating Income (Loss)
-59
-47
-162
-210
-283
-24
-46
- Non-Operating (Income) Loss
-1
1
3
-25
-52
-53
-33
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-1
1
3
-25
-52
-53
-33
Pretax Income
-58
-48
-165
-185
-231
28
-13
- Income Tax Expense (Benefit)
- -
- -
-1
- -
-8
1
1
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
-58
-48
-164
-185
-223
27
-14
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
-58
-48
-164
-185
-223
27
-14
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
-58
-48
-164
-185
-223
27
-14
- Preferred Dividends
64
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
-122
-48
-164
-185
-223
27
-14
EBIT
-59
-47
-162
-210
-283
-24
-46
EBITDA
-56
-44
-158
-206
-272
-7
-19
EBITDA Margin (%)
-38.94
-15.02
-30.64
-27.53
-40.27
-1.38
-3.08
EBITA
-59
-47
-162
-210
-283
-24
-46
Gross Margin (%)
42.2
40.62
44.8
42.77
48.73
69.4
69.98
Operating Margin (%)
-41.09
-16.22
-31.33
-28.04
-41.86
-4.83
-7.43
Profit Margin (%)
-40.62
-16.43
-31.7
-24.7
-32.97
5.38
-2.23
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
4
4
11
17
27
Basic Weighted Avg Shares
483
483
363
545
533
511
- -
Basic EPS, GAAP
-0.25
-0.1
-0.45
-0.34
-0.42
0.05
- -
Basic EPS from Cont Ops
-0.12
-0.1
-0.45
-0.34
-0.42
0.05
- -
Diluted Weighted Avg Shares
483
483
363
545
533
519
- -
Diluted EPS, GAAP
-0.25
-0.1
-0.45
-0.34
-0.42
0.05
- -
Diluted EPS from Cont Ops
-0.12
-0.1
-0.45
-0.34
-0.42
0.05
- -

Balance Sheet (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
197
431
1,799
1,747
1,389
1,249
1,235
+ Cash, Cash Equivalents & STI
156
370
1,712
1,625
1,250
1,102
772
+ Cash & Cash Equivalents
60
220
1,248
1,184
981
923
709
+ ST Investments
95
150
464
441
269
179
62
+ Accounts & Notes Receiv
26
41
56
81
109
119
126
+ Accounts Receivable, Net
4
8
13
16
20
30
41
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
22
33
43
65
90
89
85
+ Inventories
- -
1
4
5
4
4
2
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
1
4
5
4
4
2
+ Other ST Assets
15
18
27
36
26
25
336
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
26
27
32
24
201
214
290
+ Property, Plant & Equip, Net
26
23
21
16
25
40
68
+ Property, Plant & Equip
32
33
33
32
45
70
116
- Accumulated Depreciation
7
10
12
15
20
30
48
+ LT Investments & Receivables
- -
- -
8
- -
- -
- -
- -
+ LT Investments
- -
- -
8
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
4
2
7
176
174
222
+ Total Intangible Assets
- -
- -
- -
- -
159
153
206
+ Goodwill
- -
- -
- -
- -
124
124
155
+ Other Intangible Assets
- -
- -
- -
- -
36
30
51
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
4
2
7
17
20
15
Total Assets
223
458
1,830
1,770
1,590
1,463
1,525
+ Payables & Accruals
50
111
180
219
267
297
673
+ Accounts Payable
33
81
124
146
175
194
226
+ Accrued Taxes
- -
- -
3
5
5
5
9
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
18
30
52
68
87
98
437
+ ST Debt
2
3
3
3
12
12
11
+ ST Borrowings
- -
- -
- -
- -
8
8
8
+ ST Finance Leases
2
3
3
3
4
5
3
+ Other ST Liabilities
12
28
55
61
58
61
65
+ Deferred Revenue
1
4
19
17
12
14
12
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
11
24
36
44
46
48
54
Total Current Liabilities
64
141
238
283
337
371
749
+ LT Debt
18
15
12
9
5
1
6
+ LT Borrowings
- -
- -
- -
- -
- -
- -
- -
+ LT Finance Leases
18
15
12
9
5
1
6
+ Other LT Liabilities
4
13
7
5
5
6
8
+ Accrued Liabilities
3
9
6
4
4
5
3
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
1
4
- -
1
1
2
6
Total Noncurrent Liabilities
22
28
19
15
10
7
14
Total Liabilities
86
170
257
297
346
378
763
+ Preferred Equity and Hybrid Capital
336
502
- -
- -
- -
- -
- -
+ Share Capital & APIC
7
40
1,993
2,082
2,068
1,883
1,572
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
7
40
1,993
2,082
2,068
1,883
1,572
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
-206
-254
-417
-602
-825
-798
-812
+ Other Equity
- -
- -
-2
-7
1
- -
2
Equity Before Minority Interest
137
288
1,573
1,473
1,243
1,085
762
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
Total Equity
137
288
1,573
1,473
1,243
1,085
762
Total Liabilities & Equity
223
458
1,830
1,770
1,590
1,463
1,525
Shares Outstanding
530
530
541
541
520
504
432
Number of Employees
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
20
18
15
12
9
5
9
Net Debt
-60
-220
-1,248
-1,184
-973
-915
-702
Net Debt to Equity
-43.94
-76.5
-79.29
-80.37
-78.26
-84.36
-92.09
Tangible Common Equity Ratio
-88.9
-46.7
85.96
83.2
75.79
71.13
42.14
Current Ratio
3.07
3.05
7.56
6.17
4.13
3.37
1.65
Cash Conversion Cycle
- -
-110.67
-118.62
-103.8
-154.98
-408.61
-386.32

Cash Flow Statement (USD)

APIChat
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
-58
-48
-164
-185
-223
27
-14
+ Depreciation & Amortization
3
3
4
4
11
17
27
+ Non-Cash Items
24
33
149
158
212
-8
107
+ Stock-Based Compensation
22
28
143
108
128
137
105
+ Deferred Income Taxes
- -
- -
- -
- -
- -
- -
- -
+ Asset Impairment Charge
1
- -
- -
12
- -
- -
- -
+ Other Non-Cash Adj
2
5
6
39
84
-144
2
+ Chg in Non-Cash Work Cap
16
62
68
10
21
21
43
+ (Inc) Dec in Accts Receiv
-15
-17
-14
-22
-28
-10
-5
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-5
-2
-8
-9
8
- -
-2
+ Inc (Dec) in Accts Payable
38
83
93
44
44
35
54
+ Inc (Dec) in Other
-2
-2
-3
-3
-3
-3
-4
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
-15
50
57
-13
21
58
163
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-5
-2
-3
-4
-1
-2
-2
+ Acq of Fixed Prod Assets
-5
-2
-3
-2
-1
-2
-2
+ Acq of Intangible Assets
- -
- -
- -
-2
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
1,320
-78
-190
-154
-391
+ Increase in Capital Stock
- -
- -
1,320
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
-78
-190
-154
-391
+ Net Change in LT Investment
-95
-55
-306
7
187
92
117
+ Dec in LT Investment
434
161
149
77
1,079
92
121
+ Inc in LT Investment
-528
-216
-455
-70
-893
- -
-4
+ Net Cash From Acq & Div
-1
- -
-20
26
-136
- -
-46
+ Cash from Divestitures
- -
- -
- -
26
- -
- -
- -
+ Cash for Acq of Subs
-1
- -
-20
- -
-136
- -
-46
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
- -
-12
-19
201
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-100
-58
-329
29
39
71
271
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
-5
- -
- -
- -
- -
- -
- -
+ Cash From Debt
- -
- -
- -
- -
- -
- -
- -
+ Repayments of Debt
-5
- -
- -
- -
- -
- -
- -
+ Other Financing Activities
144
167
-21
-1
-71
-32
44
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
139
167
1,299
-79
-262
-187
-347
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
23
160
1,027
-64
-202
-58
86
EBITDA
-56
-44
-158
-206
-272
-7
-19
EBITDA Margin (%)
-38.94
-15.02
-30.64
-27.53
-40.27
-1.38
-3.08
Free Cash Flow
-20
48
54
-17
20
56
161
Net Cash Paid for Acquisitions
1
- -
20
-26
136
- -
46
Free Cash Flow to Firm
- -
- -
- -
- -
- -
56
- -
Free Cash Flow to Equity
- -
214
-448
-15
20
56
161
Free Cash Flow per Basic Share
-0.04
0.1
0.15
-0.03
0.04
0.11
- -
Price/Free Cash Flow
- -
- -
104.3
-368.34
170
32.46
- -
Cash Flow to Net Income
0.27
-1.05
-0.35
0.07
-0.09
2.13
-11.68
Capital Expenditures
-5
-2
-3
-4
-1
-2
-2