AU · rank #15 · 2026-07-20
MQ
NASDAQ · $1.88B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.531 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.00 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.194 |
| Analyst upside Consensus target $20.74 | +18.6% |
| Momentum acceleration 3-month minus 12-month momentum. | +243.50% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 3.65 |
| Gross margin TTM | +70.0% |
| 52w high | $28.16 |
| Market cap (USD) | $1.88B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Marqeta is a cloud-native card issuing and embedded finance platform processing ~$112B in quarterly TPV for fintechs and digital banks via an API-driven infrastructure layer.
Rationale
The analyst_upside thesis is reinforced by a genuine "beat and raise" quarter — first GAAP profitability, 316% earnings surprise, raised EBITDA guidance, two price target lifts in 30 days, and 100% revision agreement — giving the ~19% consensus upside a fundamental anchor rather than pure sentiment.
Material risks
- 1Extreme analyst target dispersion of 48% on a coverage base of only three analysts means the "consensus" upside figure is statistically fragile and a single target cut could materially reprice the signal.
- 2Marqeta's TPV is heavily concentrated in a small number of large fintech customers (historically Block/Cash App), so any in-house build-out or contract renegotiation by a top customer would directly impair the volume growth narrative underpinning the raised guidance.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.