Marqeta, Inc. logo MQ - Marqeta, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 7
HOLD 13
SELL 2
STRONG
SELL
0
| PRICE TARGET: $9.25 DETAILS
HIGH: $18.00
LOW: $4.75
MEDIAN: $5.00
CONSENSUS: $9.25
DOWNSIDE: 43.46%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Platform & Compounding FCF

AlphaQuality — archetype-weighted quantitative grade

F 30.0 / 100 pillar composite

Composite Grade

Composite of six pillars weighted for platform & compounding fcf businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

⚠ 4 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a platform & compounding fcf business.

Grade overrides the 30.0 pillar composite because hard gates always win. Use the pillar breakdown below to see where the underlying numbers sit.

Profitability

Weight: 25%
D- 30.0
  • 5yr Avg ROIC -6.4% 0/100
  • Operating Margin Trend +7.65 pp/yr 100/100
Contributes 7.5 pts toward composite.

Capital Efficiency

Weight: 15%
D 33.1
  • 5yr Avg ROE -8.0% 0/100
  • 5yr Share-Count CAGR -3.0% 95/100
Contributes 5.0 pts toward composite.

Growth Quality

Weight: 25%
A- 83.2
  • 5yr Revenue CAGR 16.6% 94/100
  • Revenue-Growth Years (5) 3/5 60/100
Contributes 20.8 pts toward composite.

Cash Generation

Weight: 20%
B 72.5
  • 5yr FCF Margin 9.2% 67/100
  • 5yr FCF/NI Conversion 2.04x 79/100
Contributes 14.5 pts toward composite.

Balance Sheet

Weight: 10%
A- 80.5
  • Net Debt / EBITDA -76.46x 100/100
  • Interest Coverage (EBIT/Int) 30.00x 100/100
  • Altman Z-Score 1.28 22/100
Contributes 8.0 pts toward composite.

Stability

Weight: 5%
C 51.5
  • Negative-Revenue Years (5) 2/5 60/100
  • Piotroski F-Score 4 44/100
Contributes 2.6 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Dumping

2 of 3 gurus held; 1 added; 1 trimmed; 2 full exits.

Holders
2 -1
Avg Δ position
-6.4%
New buys
0
Full exits
2
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — 5yr Avg ROIC, Operating Margin Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (25%) — 5yr Revenue CAGR, Revenue-Growth Years (5)
  • Cash Generation (20%) — 5yr FCF Margin, 5yr FCF/NI Conversion
  • Balance Sheet (10%) — Net Debt / EBITDA, Interest Coverage (EBIT/Int), Altman Z-Score
  • Stability (5%) — Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.