Marqeta (STU:8QJ0) Moat Score: 5/10 (As of Jul. 17, 2026)

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STU:8QJ0 Marqeta Inc STU:8QJ0
61 GF Score
Price €14.06
GF Value €5.43
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Marqeta Moat Score?

Marqeta STU:8QJ0 61 Moat Score is 5 as of Jul. 17, 2026. GuruFocus rates STU:8QJ0 with a GF Score™ of 61/100 and a GF Value™ of €5.43 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 2,836 Software companies, Marqeta ranks better than 94.78% on this metric.

Marqeta has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Marqeta has Narrow Moat: Marqeta has a solid position in the fintech sector with network effects and customer switching costs. However, intense competition and limited brand strength constrain its moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Marqeta might have Narrow Moat - Solid narrow moat.

Marqeta  (STU:8QJ0) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Marqeta Moat Score Related Terms

STU:8QJ0 vs BAND, WIX, EVTC: Moat Score Comparison

For the Software - Infrastructure subindustry, Marqeta's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Marqeta's Moat Score distribution charts can be found below:

* The bar in red indicates where Marqeta's Moat Score falls into.


STU:8QJ0
61GF Score
Marqeta Inc STU:8QJ0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Marqeta (STU:8QJ0) has a Moat Score of 5 as of Jul. 17, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Marqeta ranks #148 out of 2836 companies in the Software industry, placing it in the top 5.2%.
Is Marqeta's Moat Score too high?
Marqeta's current Moat Score is 5. Based on the distribution chart, Marqeta ranks #148 out of 2836 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Marqeta has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Marqeta's Moat Score compare to BAND and WIX?
According to the Software industry distribution chart, Marqeta ranks #148 out of 2836 companies for Moat Score. This places Marqeta in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Marqeta's current Moat Score is 5. 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 (STU:8QJ0) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.43, compared to a current price of €14.06 — trading 158.9% above its estimated fair value. The current Moat Score is 5. Marqeta's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Marqeta (STU:8QJ0), the current Moat Score is 5 as of Jul. 17, 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 (STU:8QJ0) Overvalued in 2026?

Based on GuruFocus' analysis, Marqeta stock appears to be overvalued. The current stock price of €14.06 is trading 158.9% above its estimated GF Value™ of €5.43. GuruFocus considers Marqeta to be Significantly Overvalued.

Key valuation signals for STU:8QJ0:

  • Moat Score: 5
  • GF Value™: €5.43 vs. price of €14.06 (158.9% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the STU:8QJ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Marqeta Business Description

Other Exchanges MQ:USAMQ:Mexico
Address 180 Grand Avenue, 6th Floor, Oakland, CA, USA, 94612
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.
61GF Score

Get the complete analysis for STU:8QJ0

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€14.06
Price
€5.43
GF Value