AU · rank #15 · 2026-07-23
MQ
NASDAQ · $1.88B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.667 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.00 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.197 |
| Analyst upside Consensus target $20.74 | +20.9% |
| Momentum acceleration 3-month minus 12-month momentum. | +250.31% |
| 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, digital banks, and tech companies via an API-driven infrastructure layer.
Rationale
The analyst_upside signal is reinforced by a genuine "beat and raise" quarter — first GAAP profitability, 316% earnings surprise, two target raises in 30 days, and management lifting 2026 EBITDA guidance — giving the ~21% consensus upside a fundamental catalyst rather than pure sentiment.
Material risks
- 1Analyst coverage is thin (only 3 analysts, high 48% target dispersion), meaning the "consensus" upside is fragile and a single downgrade or target cut could materially reprice the signal.
- 2Customer concentration risk remains acute — if a top-tier fintech client (e.g., Block/Cash App) internalizes card issuing infrastructure, TPV and revenue could cliff sharply given MQ's platform dependency on a small number of large programs.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.