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Marqeta Stock: Down 55% From Its All-Time High, What To Consider

Jan. 02, 2022 5:13 AM ETMarqeta, Inc. (MQ) StockFI, GPN, SQ11 Comments


  • Marqeta is trying to disrupt the legacy on-premise payments processing leaders by relying on its superior speed to market.
  • However, Marqeta's revenue growth is estimated to decelerate. It's also expected to post adjusted EBITDA profitability only from FY25.
  • We discuss what investors should consider moving forward.
  • I do much more than just articles at Ultimate Growth Investing: Members get access to model portfolios, regular updates, a chat room, and more. Learn More »

Bank terminal for contactless payment. Young man holds a terminal in his hands

Dmitrii Anikin/iStock via Getty Images

Investment Thesis

Marqeta, Inc. (NASDAQ:MQ) is an emerging player in the payments processing space. It's competing against the on-premise legacy platforms such as Global Payments Inc. (GPN) and Fiserv, Inc. (

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This article was written by

JR Research profile picture

JR Research is a seasoned investor with a background in economics. He focuses on identifying 3 main things - leading growth companies, emerging market trends, and secular growth opportunities. His approach combines price action with fundamentals investing.

He runs the investing group Ultimate Growth Investing which specializes in identifying high-potential opportunities across various sectors. The group is designed for investors seeking to capitalize on emerging, high-growth opportunities, and investors looking for sustainable growth opportunities at a reasonable price.

Learn more

Analyst’s Disclosure: I/we have a beneficial long position in the shares of SQ either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Comments (11)

kevinw1028 profile picture
In an article a few months ago here on SA, I read under $29 is a buy.
DONTIGNY profile picture
Thanks JR for the article. I wonder if MQ technology stack is truly sustainable. Would it be possible to see SOFi or other well funded Fintechs to erode MQ edge?
JR Research profile picture
@G.Dontigny You are welcome! SoFi is not MQ's direct competitor, MQ needs to move beyond the BNPL space to justify its scalability. So far, they are still where they are.
DONTIGNY profile picture
@JR Research
Thanks JR for your reply. I thought Galileo was offering B2B card issuing & payment card programs.

Have a great 2022 in your SA research business.
JR Research profile picture
@G.Dontigny Thank you!
They are all after the legacy players. The upstarts directly going after MQ's customers are Adyen and Stripe.
02 Jan. 2022
Thanks for the analysis.
we like the already proven FISV from our hometown Milwaukee. serial fintech roll-up with a nationwide footprint. Free cash flow printing press. core position in family trust.
JR Research profile picture
@raising rusty Spot on. Thanks for your insights!
necto profile picture
Great article. I went under the water a little, but I do not panic. I will keep this interesting company for a long time, I am sure it will return and surpass its maximums
JR Research profile picture
@necto You are welcome! Thanks for sharing your experience!
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