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MarqetaMQ -3.72%68 Debt-to-EBITDA is 0.29 as of Jun. 2026. GuruFocus rates MQ with a GF Score™ of 68/100 and a GF Value™ of $26.32 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,724 Software companies, Marqeta ranks better than 58% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Marqeta's Debt-to-EBITDA or its related term are showing as below:
MQ'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.89 Med: -0.35 Max: 0.74
Current: 0.74
During the past 7 years, the highest Debt-to-EBITDA Ratio of Marqeta was 0.74. The lowest was -1.89. And the median was -0.35.
MQ's Debt-to-EBITDA is ranked better than 58% of 1724
companies
in the Software industry
Industry Median: 1.09
vs MQ: 0.74
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Marqeta Debt-to-EBITDA Related Terms
Marqeta Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Marqeta's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, Marqeta's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Marqeta Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Marqeta's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Marqeta's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Marqeta (MQ) has a Debt-to-EBITDA of 0.29 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Marqeta. According to the industry distribution chart, Marqeta ranks #724 out of 1724 companies in the Software industry, placing it in the top 42%.
Is Marqeta's Debt-to-EBITDA too high?
Marqeta's current Debt-to-EBITDA is 0.29. The Software industry median Debt-to-EBITDA is 1.09. Marqeta's value of 0.29 is 73.4% below this industry median. Based on the distribution chart, Marqeta ranks #724 out of 1724 companies in the Software industry, which is above the industry midpoint. Overall, Marqeta has a GF Score™ of 68/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Marqeta's Debt-to-EBITDA compare to FIVN and EVTC?
According to the Software industry distribution chart, Marqeta ranks #724 out of 1724 companies for Debt-to-EBITDA. This puts Marqeta in the upper half of its industry. The industry median Debt-to-EBITDA is 1.09. Marqeta's value of 0.29 is 73.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,724 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Marqeta's current Debt-to-EBITDA of 0.29 is 73.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Marqeta. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marqeta's current Debt-to-EBITDA is 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marqeta stock overvalued right now?
Based on GuruFocus' analysis, Marqeta (MQ) is currently considered Possible Value Trap. The stock's GF Value™ is $26.32, compared to a current price of $16.05 — trading 39% below its estimated fair value. The current Debt-to-EBITDA is 0.29 and 73.4% below the Software industry median of 1.09. Marqeta's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Marqeta (MQ), the current Debt-to-EBITDA is 0.29 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Marqeta (MQ) Overvalued in 2026?
Based on GuruFocus' analysis, Marqeta stock appears to be undervalued.
The current stock price of $16.05 is trading 39% below its estimated GF Value™ of $26.32.
GuruFocus considers Marqeta to be Possible Value Trap.
Key valuation signals for MQ:
Debt-to-EBITDA: 0.29
GF Value™: $26.32 vs. price of $16.05 (39% below fair value)
Industry Position: 73.4% below the Software median (#724 of 1724)
No single metric tells the full story. See the MQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Oakland, California, and founded in 2010, Marqeta provides its clients with a card-issuing platform that offers the infrastructure and tools necessary to offer digital, physical, and tokenized payment options without the need for a traditional bank. The company's open APIs are designed to allow third parties like DoorDash, Klarna, and Block to rapidly develop and deploy innovative card-based products and payment services without the need to develop the underlying technology. The company generates revenue primarily through processing and ATM fees for cards issued on its platform.
68GF Score
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