ROARABLE
FREE $100K
My Trading Account β†’
β–Ύ
Trading Profile Active
Active Trader
Verified Trader
⚑ My $100K Trading Account β†’ β˜… My Saved Watchlist β†’
🟒 My $100K Account β†’ Today Screener Big Ideas Track Record πŸ’° $100K Arena 🎲 Predictions πŸ›οΈ Insiders 8 Analysts
Stock Ratings / Technology / MQ / dividends
SOUN (36) BL (58) CNXC (46) KARO (60) ⌘ Pro Terminal β†’

Marqeta Inc. (Class A) (MQ) Dividend Safety Gauge & 10-Year DRIP Compounder

$18.62 +2.87% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.68

Marqeta Inc. (Class A) (MQ) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D β€’ SELL / AVOID Cap $1.94B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MQ Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is MQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Marqeta Inc. (Class A) (NASDAQ: MQ) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $18.62 (+2.87% 1D, market cap $1.94B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 5/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 715 tracked Technology issuers, MQ ranks #389 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does MQ compare to SOUN and BL in the Technology sector?
β–Ό

Within the Technology sector (Computer Software: Prepackaged Software), MQ carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of 70.0%, and ROIC of -35.0%. By comparison, SOUN (SoundHound AI Inc) holds a D- grade (36/100 RQD, P/E N/A, ROIC -5.9%, cap $1.97B) and BL (BlackLine Inc.) posts a D+ grade (58/100 RQD, P/E 79.9x, ROIC 20.6%, cap $1.98B). Among the 5-stock peer group, BL leads on earnings multiple (79.9x) while BL leads on capital efficiency (20.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MQ?
β–Ό

Per MQ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001522540), Marqeta Inc. (Class A) generated $624.9M in revenue (+23.3% YoY), -$13.9M in net income, and $160.8M in free cash flow against $1.53B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $18.68 (+0.33%)🧬 Disciplined Float (-0.40% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 25.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (46/100 Β· D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510046
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk D-
Cash (9)Whales (11)SEC (5)Macro (12)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-5.4% Base Target
$23 Bull$18 Base$14 Bear
πŸ“¬ FREE MQ RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for MQ)Realized 20D OHLCV Swing Band: Β±5.9%
Deterministic 5-Pillar Attribution (46/100 Composite)
πŸ” WHY MQ SCORES 46/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Macro Regime Fit+12/20 pts (26% of score)

FRED Regime Γ— Technicals: 51% of 52W Range β€’ RSI-14 at 59.5 (BULLISH MOMENTUM)

β–² #2 Bullish Driver: Whale & Options Positioning+11/20 pts (24% of score)

20D Institutional Volume Accumulation (Β±5.9% realized swing band)

β–Ό #1 Drag / Risk Factor: SEC 10-K Forensic Risk5/20 pts (-15 pt drag)

Balance-sheet & 10-K footnote risk deducts 15 pts from forensic ceiling

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
38
Grade E$18.18+3.4% Next Q
Q2 (-2Q)
41
Grade D$18.80-3.5% Next Q
Q3 (-1Q)
43
Grade D$18.15+2.6% Next Q
Current
46
Grade D$18.62-6.1% Hist 90D Ξ±
Trajectory: E (38) β†’ D (46)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a MQ Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While MQ currently carries a cautious 46/100 (D) rating due to SEC 10-K Forensic Risk (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($17.21) and Max Pain ($19.55) forces dealer call-delta covering toward $23.39.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MQβ€’ $4.8M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œMQ Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 46%NO 54%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (14.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $39,070

Est. Year-10 Shareholder Yield: $703/yr
$11.5K
Yr 1
$13.1K
Yr 2
$15.1K
Yr 3
$17.2K
Yr 4
$19.8K
Yr 5
$22.7K
Yr 6
$26.0K
Yr 7
$29.7K
Yr 8
$34.1K
Yr 9
$39.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MQ)

  • βœ“Walkthrough of MQ's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) β†’$100K Arena
MQ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.91%β–² ASCENDING CHANNEL
2026-11-04O $18.10H $18.62L $18.10C $18.62VOL 1.02M
RES: $19.52SUP: $15.76SMA50: $17.21SMA200: $16.62
$19.72$18.40$17.07$15.75$14.43RES $19.52SUP $15.76$18.622026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MQ Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ MQ Butterfly Map β†’ + Track MQ β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +23.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MQ today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for MQ. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MQ today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MQ)

Technology Rank #389 of 715 βš”οΈ SOUN vs MQ Full Matrix β†’

1. Head-to-Head Technology Peer Comparison (MQ vs. SOUN, BL, CNXC, KARO)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Marqeta Inc. (Class A) (MQ) ranks #389 by composite RQD confidence (46/100, grade D) and #294 by equity capitalization ($1.94B). Within this direct 5-issuer industry benchmark cohort, BL leads on earnings valuation at 79.9x trailing P/E, while BL leads on capital efficiency and profitability with 20.6% ROIC and 75.2% gross margin. KARO currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with MQ at 46/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MQ ACTIVE
Marqeta Inc. (Class A)
D 46/100 β€” 70.0% -35.0% +2.87% $1.94B Benchmark Subject
SOUN
SoundHound AI Inc
D- 36/100 β€” 83.4% -5.9% -3.08% $1.97B /soun-vs-mq β†’
BL
BlackLine Inc.
D+ 58/100 79.9x 75.2% 20.6% +0.83% $1.98B /bl-vs-mq β†’
CNXC
Concentrix Corporation
D 46/100 β€” 35.0% -10.4% +2.52% $1.89B /cnxc-vs-mq β†’
KARO
Karooooo Ltd.
C- 60/100 β€” β€” β€” -1.28% $2.00B /karo-vs-mq β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001522540 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Marqeta Inc. (Class A) (MQ) reported GAAP revenue of $624.9M (+23.3% vs. FY2024 revenue of $507.0M , and -7.6% cumulative change since FY2023) , GAAP net income of -$13.9M, operating cash flow of $162.6M, and free cash flow of $160.8M (+188.4% YoY). On the balance sheet, MQ closed FY2025 with $1.53B in total assets against $0 in total debt (Altman Z-Score: 1.43, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $624.9M -$13.9M $162.6M $160.8M $1.53B β€”
FY2024 (FY) 2024-12-31 $507.0M $27.3M $58.2M $55.8M $1.46B β€”
FY2023 (FY) 2023-12-31 $676.2M -$223.0M $21.1M $21.1M β€” β€”

3. MQ Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Marqeta Inc. (Class A) (NASDAQ: MQ) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $18.62 (+2.87% 1D, market cap $1.94B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 5/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 715 tracked Technology issuers, MQ ranks #389 in composite RQD confidence.

How does MQ compare to SOUN and BL in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), MQ carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of 70.0%, and ROIC of -35.0%. By comparison, SOUN (SoundHound AI Inc) holds a D- grade (36/100 RQD, P/E N/A, ROIC -5.9%, cap $1.97B) and BL (BlackLine Inc.) posts a D+ grade (58/100 RQD, P/E 79.9x, ROIC 20.6%, cap $1.98B). Among the 5-stock peer group, BL leads on earnings multiple (79.9x) while BL leads on capital efficiency (20.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MQ?

Per MQ's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001522540), Marqeta Inc. (Class A) generated $624.9M in revenue (+23.3% YoY), -$13.9M in net income, and $160.8M in free cash flow against $1.53B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MQ trading relative to its 50-day, 200-day, and 52-week technical levels?

MQ last traded at $18.62 (+2.87% on volume of 1,015,458 shares), positioning the stock +8.19% above its 50-day simple moving average ($17.21) and +12.03% above its 200-day simple moving average ($16.62). Across its 52-week range of $14.80 to $22.28, MQ sits at the 51.1% percentile with a 14-day RSI of 59.5 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.9% ($17.52 to $19.72).

Direct Sub-Reports: MQ RQD Cockpit MQ 12M Forecast MQ Earnings & Move MQ Dividends & DRIP MQ Insiders & 13F MQ Whale Options MQ Profit Sankey MQ News & Why
ROARABLE RATING BRIEF β€’ RQD 46/100 (D) βœ“ SEC XBRL & RQD VERIFIED

MQ β€” Marqeta Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Marqeta Inc. (Class A) (MQ) earns a live Roarable RQD composite score of 46/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $18.62 (+2.87% 1D, market capitalization $1.94B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of 70.0%, operating margin of -7.4%, and free cash flow yield of 8.55%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (5/20): Incorporates a 1.00x equity beta, Altman Z-Score of 1.43, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Marqeta Inc. (Class A) (MQ) is listed on NASDAQ and classified under the Technology sector, Computer Software: Prepackaged Software industry,. The profile records a market capitalization of $1.9B. The company reported FY 2025 revenue of $624.9M.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Marqeta Inc. (Class A) (MQ) reported $624.9M in annual revenue (up from $507.0M in FY2024, +23.3% YoY) and -$13.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($676.2M revenue, -$223.0M net income) through FY2025, MQ scaled operating cash flow to $162.6M and free cash flow to $160.8M, backed by $1.53B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 46/100): Established market leader in Technology with deep daily trading liquidity. Free cash flow yield of 8.55% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $14.80 – $22.28 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -7.4% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, sector correlations, or bottlenecks are recorded. The graph lists the sector as Technology and the industry as Computer Software: Prepackaged Software, but no links are provided. A prospective investor should treat second-order effects as unmapped in this dataset.

  • Key Question #1: Can MQ sustain or expand its -7.4% operating margin and -35.0% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $624.9M and free cash flow of $160.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MQ's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MQ Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Marqeta Inc. (Class A) (MQ) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to MQ Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MQ Bull vs. Bear Conversation Board β€” What's Your Call at $18.62?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MQ 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MQ:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER β€’ Price Action & Volume Trader πŸ‚ BULLISH 🎯 Target: $22.81 (+26.0%)
πŸ“Œ Pinned Debate

FCF of $160.8M in FY 2025 produces an 8.55% FCF yield while beta of 1.0 keeps the stock in line with market moves.

Long MQ at $18.10 targeting $22.81. FCF of $160.8M in FY 2025 produces an 8.55% FCF yield while beta of 1.0 keeps the stock in line with market moves.. Institutional whale score is 11/20 and the risk/reward vs. the $14.80 52-week low is skewed heavily in favor of bulls.

SectorRotator πŸ‚ BULL

@CreditSpread_Watch Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (70.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $14.66 (-19.0%)
Spot @ $18.10

An Altman Z-Score of 1.43 and ROIC of -35% sit alongside an operating margin of -7.4%, weakening the balance-sheet and cash-return case

I respect the product at Marqeta Inc. (Class A), but the stock at $18.10 is a different story. An Altman Z-Score of 1.43 and ROIC of -35% sit alongside an operating margin of -7.4%, weakening the balance-sheet and cash-return case.. FCF yield is 8.55% and RQD sits at 46/100 (D) β€” why pay up here when you can wait for next quarter's numbers?

LIVE TAPE