Marqeta, Inc. (MQ) Financial Ratio Screen

NASDAQ Technology United States USD 1675M
RATIOS FAIL*
Automated financial screen · activity assessed separately
Marqeta, Inc. (MQ) is potentially non-compliant in the automated ratio model. While the debt ratio of 1.1% is acceptable, the cash and interest-bearing securities ratio of 50.6% exceeds the 30% threshold. Marqeta, Inc. operates in the Technology sector.

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MSCI new-inclusion financial-ratio snapshot

MQ financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
1.1%
Pass vs 30%
Cash ratio
50.6%
Fail vs 30%
Receivables + cash
54.8%
Fail vs 30%
Impermissible income
N/A
Not available vs 5%

Calculation date: 2026-10-15. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria not metAt least one available ratio exceeds its threshold
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-10-15S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (Software - Infrastructure) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Marqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services in the United States. The company's platform also provides processor services, bank and network management, program management, and value added services; card issuing, such as debit, prepaid, credit, virtual, and physical cards; UI/UX; access to a suite of bank account and money movement features, including savings accounts, demand deposit accounts, direct deposit with early pay, ACH, cash loads, and fee-free ATMs, bill pay, and instant funding capabilities; Marqeta Dashboard, a self-service portal to access and manage all aspects of card program; TransactPay; Marqeta Hub for consumers, buy now, pay later (BNPL) providers, and card issuers; and credit capabilities, as well as Portfolio Migration which simplifies upgrading existing card programs into its platform. It offers its solutions in various verticals, including financial services, on-demand services, lending, expense management, and e-commerce enablement, as well as BNPL providers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style debt and cash reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 1.1%
/ 30%
50.6%
/ 30%
54.8%
/ 30%
N/A RATIOS FAIL*
FTSE 1.1%
/ 33%
50.6%
/ 33%
54.8%
/ 50%
N/A RATIOS FAIL*

Financial Highlights

P/E Ratio
178.8
Forward: 32.2
EPS
currency unverified 0.09
P/B Ratio
2.3
EV/EBITDA
57.3
EV: 981M (currency unverified)
Revenue
625M (currency unverified)
Growth: 17.0%
Beta
1.3
High volatility
Current Ratio
1.7

Profitability

Gross Margin 70.0%
Operating Margin 2.5%
Net Margin 1.5%
Return on Equity (ROE) 1.3%
Return on Assets (ROA) -0.5%

Cash Flow & Balance Sheet

Operating Cash Flow163M (currency unverified)
Free Cash Flow132M (currency unverified)
Total Debt16M (currency unverified)
Debt-to-Equity0.9
Current Ratio1.7
Total Assets1.5B (currency unverified)

Price & Trading

Last Close$16.58
50-Day MA$16.58
200-Day MA$16.91
Avg Volume1.0M
Beta1.3
52-Week Range
$14.80
$23.80

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-09-16 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About Marqeta, Inc. (MQ)

CEO
Mr. Michael Milotich
Employees
938
Sector
Technology
Industry
Software - Infrastructure
Country
United States
Exchange
NASDAQ
Market Cap (listing currency)
USD 1675M
Currency
USD

Marqeta, Inc. operates a cloud-based open API platform for card issuing and transaction processing services in the United States. The company's platform also provides processor services, bank and network management, program management, and value added services; card issuing, such as debit, prepaid, credit, virtual, and physical cards; UI/UX; access to a suite of bank account and money movement features, including savings accounts, demand deposit accounts, direct deposit with early pay, ACH, cash loads, and fee-free ATMs, bill pay, and instant funding capabilities; Marqeta Dashboard, a self-service portal to access and manage all aspects of card program; TransactPay; Marqeta Hub for consumers, buy now, pay later (BNPL) providers, and card issuers; and credit capabilities, as well as Portfolio Migration which simplifies upgrading existing card programs into its platform. It offers its solutions in various verticals, including financial services, on-demand services, lending, expense management, and e-commerce enablement, as well as BNPL providers. Marqeta, Inc. was incorporated in 2010 and is headquartered in Oakland, California.

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Frequently Asked Questions

Is Marqeta, Inc. (MQ) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is Marqeta, Inc.'s debt ratio?

Marqeta, Inc.'s debt ratio is 1.1% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are Marqeta, Inc.'s key financial metrics?

Marqeta, Inc. has a market capitalization of USD 1675M in its listing currency, trailing P/E ratio of 178.8, and revenue of 625M (currency unverified). The company maintains a gross margin of 70.0% and a net margin of 1.5%. Return on equity stands at 1.3%.

How often is the screening data updated?

Calculation date: 2026-10-15. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.