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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MarqetaSTU:8QJ0 61 PEG Ratio is 12.21 as of Jul. 17, 2026, which is 818% above its 10-year median of 1.33. 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 816 Software companies, Marqeta ranks worse than 94.61% on this metric.
PE Ratio without NRI / 5-Year EBITDA Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, Marqeta's PE Ratio without NRI is 401.71. Marqeta's 5-Year EBITDA growth rate is 32.90%. Therefore, Marqeta's PEG Ratio for today is 12.21.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Marqeta's PEG Ratio or its related term are showing as below:
STU:8QJ0'
s PEG Ratio Range Over the Past 10 Years
Min: 1.24 Med: 1.33 Max: 13.59
Current: 13.59
During the past 7 years, Marqeta's highest PEG Ratio was 13.59. The lowest was 1.24. And the median was 1.33.
STU:8QJ0's PEG Ratio is ranked worse than 94.61% of 816
companies
in the Software industry
Industry Median: 1.33
vs STU:8QJ0: 13.59
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Marqeta (STU:8QJ0) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Marqeta PEG Ratio Related Terms
Marqeta PEG Ratio Historical Data
* Premium members only.
The historical data trend for Marqeta's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Software Industry
For the Software industry and Technology sector, Marqeta's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Marqeta's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Marqeta (STU:8QJ0) has a PEG Ratio of 12.21 as of Jul. 17, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Marqeta and its competitors. This is 818% above median its historical median of 1.33. Over the past decade, Marqeta's PEG Ratio has ranged from 1.24 to 13.59. According to the industry distribution chart, Marqeta ranks #772 out of 816 companies in the Software industry, placing it in the top 94.6%.
Is Marqeta's PEG Ratio too high?
Marqeta's current PEG Ratio of 12.21 is 818% above median its 10-year median of 1.33. Over the past 10 years, this metric has ranged from a low of 1.24 to a high of 13.59. The Software industry median PEG Ratio is 1.33. Marqeta's value of 12.21 is 818% above this industry median. Based on the distribution chart, Marqeta ranks #772 out of 816 companies in the Software industry, which is in the bottom quartile 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 PEG Ratio compare to BAND and WIX?
According to the Software industry distribution chart, Marqeta ranks #772 out of 816 companies for PEG Ratio. This places Marqeta in the lower half of its industry. The industry median PEG Ratio is 1.33. Marqeta's value of 12.21 is 818% above this benchmark. Historically, Marqeta's own PEG Ratio has ranged from 1.24 to 13.59 over the past decade. While the company's 10-year median is 1.33 vs. the industry median of 1.33, Marqeta has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Software company?
The median PEG Ratio among Software companies is 1.33, based on 816 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Marqeta's current PEG Ratio of 12.21 is 818% above 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Marqeta and its competitors. For the Software industry, the median PEG Ratio is 1.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marqeta's current PEG Ratio is 12.21, which is 818% above median its own 10-year median of 1.33. 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 PEG Ratio is 12.21, which is 818% above median its 10-year median of 1.33 and 818% above the Software industry median of 1.33. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Marqeta (STU:8QJ0), the current PEG Ratio is 12.21 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:
PEG Ratio: 12.21 (818% above median its 10-year median of 1.33)
GF Value™: €5.43 vs. price of €14.06 (158.9% above fair value)
Industry Position: 818% above the Software median (#772 of 816)
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.
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
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