Marqeta, Inc. (MQ) Fair Value 2026

MQ · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.9 /10

32 fundamental signals · 7 models active

Value Trap Risk

LOW (37/100)

Quick Summary — As of 2026-08-28, Marqeta, Inc. (MQ) trades at $16.47, versus a $13.52 median fair value across its 7 active models — 17.9% below the current price. QOC: 6.9/10. Value Trap Risk: 37/100 (LOW). 7/13 models active. Within that set, the Bayesian DCF component alone returns $20.03.

Key Facts

Ticker
MQ
Price
$16.47
Quality Score
6.9/10
Value Trap Risk
37/100
Models Active
7/13
Last Updated
Strength: Bayesian DCF suggests +21.6% upside with 62% confidence
Risk: Majority of models suggest overvaluation

Is Marqeta, Inc. (MQ) Undervalued or Overvalued in 2026?

According to CirclFi’s 7-model valuation engine, Marqeta, Inc. (MQ) appears overvalued as of : the median of 7 independent fair value estimates is $13.52, 17.9% below the current price of $16.47. Estimates range from $2.98 to $22.32. MQ scores 6.9/10 on fundamental quality and 37/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. MQ’s -17.9% gap is narrower than that market norm, and the Software - Infrastructure sector median is -23.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Marqeta, Inc. Stock in 2026? →

What Fair Value Does Each Model Give MQ?

7 Intrinsic Value Models vs. Current Price ($16.47)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $20.03 +21.6%
Ensemble · Low Conviction
 $13.20 -19.9%
Scenario · High Conviction
 $5.18 -68.5%
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What Is MQ's Fair Value Range?

Spread across 7 independent models · $2.98 to $22.32

CirclFi's 7 active models place Marqeta, Inc. (MQ) between $2.98 and $22.32 per share, a spread of 143% of the median. The median of that range — $13.52 — is the fair value CirclFi publishes for MQ, against a current price of $16.47.

Low · Dynamic NAVHigh · FTNN
$2.98median $13.52$22.32
Where the range comes from
Most bearish modelDynamic NAV$2.98
Most bullish modelFTNN Topology$22.32
Model agreement2 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for MQ. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on MQ, not a CirclFi price target. How each model works →

What Is Marqeta, Inc. (MQ) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Marqeta, Inc.'s intrinsic value is estimated at a median fair value of $13.52. Trading at $16.47, the stock is approaching fair value or slight overvaluation (implied return of -17.9%), as 4 of 7 models suggest limited further upside. Model dispersion is worth noting: FTNN targets $22.32 (+35.5%), versus Dynamic NAV at $2.98 (-81.9%). This +117.4% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About MQ?

7 of 13 models are currently active for MQ. Of these, 2 models suggest upside while 5 models suggest overvaluation. Taken together, their median fair value for MQ is $13.52 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $20.03 on its own, implying +21.6% upside from the current price. See which stocks rank higher →

How Does MQ Rank in Software - Infrastructure?

Among 189 Software - Infrastructure stocks, MQ ranks #76 by Quality of Company score. CirclFi's QOC score of 6.9/10 evaluates 32 fundamental signals. A score of 6.9 indicates above-average quality.

See all Most Undervalued Software - Infrastructure Stocks →

Marqeta, Inc.'s positioning within the Software - Infrastructure segment means that gross margin profile plays an outsized role in fundamental analysis. The sector's unique characteristics — including total addressable market (TAM) expansion — shape both the opportunity set and risk profile.

Is MQ a Value Trap?

CirclFi's Value Trap algorithm assigns MQ a score of 37/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

7 of 13 models are active for Marqeta, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Marqeta, Inc. earns a quality score of 6.9/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +117.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every MQ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across MQ's 7 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Marqeta, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

BANDBandwidth Inc.QOC 6.9TLSTelos CorporationQOC 6.8SABRSabre CorporationQOC 6.9GOAIEva Live, Inc.QOC 6.8BLZEBackblaze, Inc.QOC 7.0PAGSPagSeguro Digital Ltd.QOC 6.6XBPXBP Global Holdings, Inc.QOC 5.4HQHorizon Quantum Holdings Ltd.QOC 3.5PAYOPayoneer Global Inc.QOC 8.5FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: BAND · TLS · SABR · GOAI · BLZE · PAGS · XBP · HQ · PAYO · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to MQ?

7 companies across all industries closest to MQ’s Quality of Company score of 6.9/10.

HRIHerc Holdings Inc.QOC 6.9GLADGladstone Capital CorporationQOC 6.9PCSVPCS Edventures!, Inc.QOC 6.9HBNCHorizon Bancorp, Inc.QOC 6.9CTKBCytek Biosciences, Inc.QOC 6.9BKHBlack Hills CorporationQOC 6.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HRI · GLAD · PCSV · HBNC · CTKB · BKH · NVDA

Where Does MQ Sit in CirclFi's Software - Infrastructure Rankings?

MQ is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About Marqeta, Inc.’s Valuation?

What is Marqeta, Inc.'s intrinsic value in 2026?

CirclFi puts Marqeta, Inc. (MQ)'s intrinsic value at $13.52 — the median of 7 independent model estimates as of 2026-08-28, ranging from $2.98 to $22.32. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $20.03 on its own. The Quality of Company score is 6.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is MQ overvalued or undervalued right now?

At $16.47, 2 of 7 active models suggest MQ may be undervalued, while 5 indicate potential overvaluation. The median of all 7 fair value estimates is $13.52, 17.9% below the current price of $16.47 — a consensus view that MQ is overvalued. The assessment depends on which methodology best fits Marqeta, Inc.'s business model in Software - Infrastructure.

What does a Quality of Company score of 6.9 mean for MQ?

Marqeta, Inc.'s QOC of 6.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on MQ?

CirclFi analyzes MQ with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 7 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on MQ?

Of the 7 models currently active on MQ, FTNN Topology is the most bullish at $22.32 per share, and Dynamic NAV is the most bearish at $2.98. CirclFi's published fair value for MQ is the median of that range, $13.52, not either extreme. The gap between the two ends equals 143% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is MQ a value trap in 2026?

Marqeta, Inc.'s Value Trap score is 37/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 7-model valuation engine, Marqeta, Inc. (MQ) has a median fair value of $13.52 — 17.9% below the current price of $16.47 — as of 2026-08-28.” Source: circlfi.com/stock/MQ/ · Methodology
Primary sources for this MQ valuation
  • Financial statements: Marqeta, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001522540) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for MQ as of ; valuations recomputed .

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