NASDAQ$MQ

Marqeta Inc. · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Marqeta reported a 30% increase in Total Processing Volume and a 24% increase in Gross Profit for the third quarter of 2024.

Marqeta's Q3 2024 results showed strong growth with a 30% increase in Total Processing Volume (TPV) reaching $74 billion, and an 18% increase in Net Revenue to $128 million. Gross Profit also increased by 24% to $90 million. The company reported a GAAP Net Loss of $29 million, while Adjusted EBITDA stood at $9 million.

  • Total Processing Volume (TPV) increased by 30% year-over-year, reaching $74 billion.
  • Net Revenue increased by 18% year-over-year to $128 million.
  • Gross Profit increased by 24% year-over-year to $90 million.
  • GAAP Net Loss improved by $26 million year-over-year to $29 million.

Headline financials

Total Revenue

$128M

Previous: $109M+17.5%
EPS

-$0.06

Previous: -$0.10+40.0%
Total Processing Volume

$73.9B

Previous: $56.7B+30.4%
Adjusted EBITDA

$9.02M

No prior period
Adjusted EBITDA Margin

7.0%

No prior period
Gross Margin

70.0%

No prior period
Capital Expenditures

-$2.38M

Previous: -$722K-229.9%
Free Cash Flow

-$31M

Previous: -$55.7M+44.3%
Net Income

-$28.6M

Previous: -$55M+47.9%
Operating Income

-$42.2M

Previous: -$69.8M+39.5%
Gross Profit

$90.1M

Previous: $72.5M+24.3%
Cash & Equivalents

$886M

Previous: $948M-6.5%
Total Assets

$1.44B

Previous: $1.6B-10.4%

Revenue & EPS history

Marqeta · Revenue · Quarterly

$128M

Q3 2024+17.5%vs Q3 2023
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

Marqeta provided guidance for the fourth quarter of 2024, anticipating Net Revenue Growth of 10-12%, Gross Profit Growth of 13-15%, and an Adjusted EBITDA Margin of 5-7%.

Tailwinds

  • Net Revenue Growth: Expected to be in the range of 10-12%.
  • Gross Profit Growth: Anticipated to be between 13-15%.
  • Adjusted EBITDA Margin: Projected to be 5-7%.
  • Focus on operational efficiency to drive profitability.
  • Continued innovation with new product announcements.

Headwinds

  • Heightened scrutiny of the banking environment.
  • Specific customer program changes.
  • Uncertainty related to global elections.
  • Changes in inflation and interest rates.
  • Uncertainty in global economic conditions

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

-0.9%

Avg return

Earnings day

-1.4%

Avg return

5 days after

-0.5%

Avg return

30 days after

53%

10 / 19 earnings

Positive

+22.6%

Q3 2023

Best reaction

-41.5%

Q3 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.4%-7.3%-10.7%
Q4 2025-7.9%-6.5%-4.1%
Q3 2025+8.7%+12.5%+4.0%
Q1 2025+9.5%+18.1%+33.7%
Q4 2024+21.1%+17.7%+19.4%
Q3 2024-41.5%-36.1%-33.8%
Q2 2024+9.4%+4.9%+0.4%
Q1 2024+1.7%-4.0%-7.1%
Q4 2023-8.3%-13.2%-16.3%
Q3 2023+22.6%+13.3%+19.1%
Q2 2023+10.6%+13.2%+28.5%
Q1 2023-5.2%-0.2%+7.6%
Q4 2022-20.9%-12.8%-26.9%
Q3 2022+5.1%+5.6%-2.6%
Q2 2022-19.7%-17.4%-24.4%
Q1 2022+12.1%+23.9%+36.4%
Q4 2021+5.0%-12.4%+10.8%
Q3 2021-10.4%-7.7%-33.1%
Q2 2021-8.6%-17.6%-10.8%
Q1 2021
Q4 2020
Q3 2020
Q2 2020
Q1 2020

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