MQ · Marqeta, Inc.
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Aug 4, 2026TL;DR. Marqeta reported Q2 TPV up 32% and gross profit up 17% with adjusted EBITDA growth of 31% well above guidance, while narrowing full-year revenue guidance and raising adjusted EBITDA and GAAP net income outlook, but guiding Q3 gross profit growth to step down 10 points due to Cash App new-issuance diversification, a BNPL single-use virtual card load-balancing dynamic, and tougher comparisons.
- + Q2 adjusted EBITDA grew 31% to $37M, well ahead of guidance, and GAAP net income reached $8M for a second consecutive quarter of profitability
- + Raising full-year adjusted EBITDA growth to the low 30s and GAAP net income to the high $20 millions
- + TPV grew 32% to $120B, the fourth consecutive quarter above 30%, with non-block TPV growing more than 2x faster than block
- + Average enterprise deal size signed in Q2 was up over 90% year over year as land-and-expand with large enterprises accelerated
- + Board authorized an additional $150 million share repurchase program after largely exhausting the prior $100 million authorization
- − Q3 gross profit growth guided to 5-7%, a roughly 10-point deceleration from Q2, including ~2 points from expected Cash App new-issuance diversification
- − Gross profit take rate compressed ~1 bp year over year due to up-market mix and faster international growth
- − On-demand delivery mix shift is driving lower take rate within that use case, weighing on H2 results
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Software - Infrastructure — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
MQ
this stock
Marqeta, Inc.
|
$1.77B | — | +23.3% | — | 4.4% |
|
MSFT
Microsoft Corp
|
$3.83T | +6.0% | +6.9% | 28.8 | 0.9% |
|
PLTR
Palantir Technologies Inc.
|
$455.79B | +6.9% | +56.2% | 162.1 | 2.5% |
|
ORCL
Oracle Corp
|
$414.55B | -29.2% | +17.3% | 21.5 | 1.7% |
|
PANW
Palo Alto Networks Inc
|
$306.54B | +115.1% | +29.0% | — | 2.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| MQ | +3.4% | +1.1% | +10.4% | +0.0% | -10.5% |
| SPY | -0.4% | -0.2% | +12.4% | +0.2% | +12.0% |
| vs SPY | +3.8% | +1.2% | -2.1% | -0.2% | -22.6% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.