MQ

Marqeta, Inc.

Technology · $1.7B market cap

Verdict

Share price

$16.55

close of Oct 3, 2026

Fair value

$14.97

Sticker Price

Payback Price

$5.99

buy price

Overpriced

MQ is Overpriced: at $16.55 it trades 11% above its fair value of $14.97. Its buy price (Payback Price) is $5.99, 64% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Free Cash Flow Growth. There's too little earnings history to value it on earnings, but it has produced free cash flow consistently, so we value it on cash flow.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth—?
Equity per share growth-14.4% a year✗
Sales growth23.3% a year✓
Free cash flow growth20.1% a year✓
Return on invested capital-9.2%✗

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Insider activity

Since Jun 12, 2026: no open-market purchases, 8 sales worth $546K and 65 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Other filings

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

1,344 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

3,137 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

1,599 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

3,732 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$24K

Show all 65 other filings

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

2,689 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$30K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

3,415 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$18K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

2,064 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$33K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

3,687 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$266K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

29,990 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$151K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

17,026 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$93K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

10,459 shares

Milotich Michael

Chief Executive Officer · 2026-09-01

Tax withholding

$110K

Milotich Michael

Chief Executive Officer · 2026-09-01

Option exercise

12,439 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

1,130 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

2,636 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

1,037 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

2,419 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$20K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

2,260 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$25K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

2,870 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$12K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

1,339 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$21K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

2,390 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$128K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

14,453 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$78K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

8,786 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$72K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

8,062 shares

Pollak Todd

Chief Revenue Officer · 2026-09-01

Tax withholding

$112K

Pollak Todd

Chief Revenue Officer · 2026-09-01

Option exercise

12,591 shares

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

1,255 shares

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

2,928 shares

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

1,185 shares

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

2,764 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$22K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

2,510 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$28K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

3,187 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$14K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

1,530 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$24K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

2,731 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$128K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

14,453 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$87K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

9,760 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$82K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

9,214 shares

Sumner Crystal

See Remarks · 2026-09-01

Tax withholding

$61K

Sumner Crystal

See Remarks · 2026-09-01

Option exercise

6,829 shares

Gardner Jason M.

director · 2026-08-19

G-Gift

310,148 shares

Graf R. Mark

director · 2026-07-20

Option exercise

6,447 shares

Strozek Lukasz

Chief Technology Officer · 2026-06-15

Award

482,536 shares

Strozek Lukasz

Chief Technology Officer · 2026-06-15

Award

1,930,156 shares

CHOKSHI ALPESH

director · 2026-06-13

Option exercise

25,592 shares

About Marqeta, Inc.

Marqeta, Inc. engages in the creation of 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.

Software - Infrastructure

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works