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    Q3 Revenue and EBITDA Beat Might Change The Case For Investing In Marqeta (MQ)

    Simply Wall St·12/04/2025 01:23:20
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    • In its most recent Q3 update, Marqeta reported year-on-year revenue growth of 27.6% and outperformed analyst estimates for both revenue and EBITDA, supported by stronger-than-expected total payment volume.
    • This outperformance underscores how Marqeta’s card-issuing platform can convert higher transaction activity into improving profitability metrics, an important signal for long-term scalability.
    • We’ll now examine how Marqeta’s better-than-expected Q3 revenue and EBITDA performance may influence its existing investment narrative and outlook.

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    Marqeta Investment Narrative Recap

    To own Marqeta, you need to believe its card issuing platform can scale efficiently as digital payment volumes grow, while customer concentration and competition remain manageable. The Q3 beat on revenue and EBITDA reinforces the near term catalyst of profit improvement from higher transaction volumes, but it does not meaningfully change the key risk that a major client could still reduce or shift its business.

    The Klarna Card expansion into 15 new European markets, supported by Visa’s Flexible Credential technology, is particularly relevant here, as it highlights how new and existing partners can drive additional total payment volume on Marqeta’s rails. If these newer relationships deepen and diversify revenue, they could gradually offset reliance on legacy anchor customers and influence how investors weigh the recent Q3 upside.

    Yet, while recent results look encouraging, investors should be aware that customer concentration risk remains...

    Read the full narrative on Marqeta (it's free!)

    Marqeta's narrative projects $900.6 million revenue and $47.9 million earnings by 2028.

    Uncover how Marqeta's forecasts yield a $6.18 fair value, a 31% upside to its current price.

    Exploring Other Perspectives

    MQ Community Fair Values as at Dec 2025
    MQ Community Fair Values as at Dec 2025

    Six fair value estimates from the Simply Wall St Community span US$3.70 to US$8.00, showing how differently investors can view Marqeta’s potential. When you set that against Marqeta’s reliance on a few key customers, it underlines why you might want to compare several viewpoints before deciding how much of its recent progress feels sustainable.

    Explore 6 other fair value estimates on Marqeta - why the stock might be worth 22% less than the current price!

    Build Your Own Marqeta Narrative

    Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

    • A great starting point for your Marqeta research is our analysis highlighting 1 key reward and 1 important warning sign that could impact your investment decision.
    • Our free Marqeta research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Marqeta's overall financial health at a glance.

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.