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Marqeta Inc. (Class A) (MQ) — RQD Stock Rating Cockpit

$18.07 -0.44% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.02

Marqeta Inc. (Class A) (MQ) carries a Roarable Rating of D (Sell) with 45/100 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.

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $1.88B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $18.02 (-0.27%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 25.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MQ)Realized 20D OHLCV Swing Band: ±6.9%

Deterministic 5-Pillar Attribution (45/100 Composite)

🔍 WHY MQ SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (31% of score)

FRED Regime × Technicals: 44% of 52W Range • RSI-14 at 52.9 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Cash Engine Quality+9/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 25.7% FCF Margin ($160.8M FCF) & 70% Gross Margin

▼ #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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$18.11+3.2% Next Q

Q2 (-2Q)

Grade C-$18.69+0.9% Next Q

Q3 (-1Q)

Grade D$18.85-4.1% Next Q

Current

Grade D$18.07-6.3% Hist 90D α

Trajectory: C- (53) → D (45)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MQ Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MQ currently carries a cautious 45/100 (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.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($17.10) and Max Pain ($18.97) forces dealer call-delta covering toward $23.39.

🚀 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 $MQ• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MQ Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 45%NO 55%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

52.930 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

1.43>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE44% OF RANGE

L: $15$18.07H: $22

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on MQ

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

-35.0% ROIC with 70.0% gross margin and 8.55% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (25)

Altman-Z 1.43 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (52)

17/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like MQ

✓Established market leader in Technology with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

✓Walkthrough of MQ's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓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) →$100K Arena

MQ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.09%▲ ASCENDING CHANNEL

2026-10-30O $18.12H $18.30L $17.77C $18.07VOL 790.1K

RES: $19.48SUP: $15.73SMA50: $17.10SMA200: $16.61

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 MQ Butterfly Map → + Track MQ →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

No active Ellis Vennor swing setup published on MQ today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MQ)

Technology Rank #482 of 714 ⚔️ NYAX vs MQ Full Matrix →

1. Head-to-Head Technology Peer Comparison (MQ vs. NYAX, CNXC, PDFS, PRGS)

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

Across 714 tracked Technology securities in the Roarable RQD universe, Marqeta Inc. (Class A) (MQ) ranks #482 by composite RQD confidence (45/100, grade D) and #298 by equity capitalization ($1.88B). Within this direct 5-issuer industry benchmark cohort, PRGS leads on earnings valuation at 25.1x trailing P/E, while PRGS leads on capital efficiency and profitability with 8.5% ROIC and 80.8% gross margin. PRGS currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with MQ at 45/100 (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	45/100	—	70.0%	-35.0%	-0.44%	$1.88B	Benchmark Subject
NYAX Nayax Ltd.	D	51/100	—	—	—	-0.02%	$1.88B	/nyax-vs-mq →
CNXC Concentrix Corporation	D-	39/100	—	35.0%	-10.4%	-0.62%	$1.85B	/cnxc-vs-mq →
PDFS PDF Solutions Inc.	D-	43/100	—	72.3%	1.6%	+0.15%	$1.92B	/pdfs-vs-mq →
PRGS Progress Software Corporation	C+	66/100	25.1x	80.8%	8.5%	+1.06%	$1.84B	/prgs-vs-mq →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001522540

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	—
FY2024 (FY)	2024-12-31	$507.0M	$27.3M	$58.2M	$55.8M	$1.46B	—
FY2023 (FY)	2023-12-31	$676.2M	-$223.0M	$21.1M	$21.1M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Marqeta Inc. (Class A) (NASDAQ: MQ) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $18.07 (-0.44% 1D, market cap $1.88B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, MQ ranks #482 in composite RQD confidence.

How does MQ compare to NYAX and CNXC in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), MQ carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of 70.0%, and ROIC of -35.0%. By comparison, NYAX (Nayax Ltd.) holds a D grade (51/100 RQD, P/E N/A, ROIC —, cap $1.88B) and CNXC (Concentrix Corporation) posts a D- grade (39/100 RQD, P/E N/A, ROIC -10.4%, cap $1.85B). Among the 5-stock peer group, PRGS leads on earnings multiple (25.1x) while PRGS leads on capital efficiency (8.5% 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 $18.07 (-0.44% on volume of 678,078 shares), positioning the stock +5.67% above its 50-day simple moving average ($17.10) and +8.79% above its 200-day simple moving average ($16.61). Across its 52-week range of $14.80 to $22.28, MQ sits at the 43.7% percentile with a 14-day RSI of 52.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.9% ($16.82 to $19.32).

MQ Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell MQ stock right now?

Marqeta Inc. (Class A) (MQ) currently earns a Roarable Rating of D (Sell — SELL) with 45/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is MQ's 12-month price target and RQD AI Jury consensus?

MQ's 12-month base price target is $17.01 (range $13.27 to $23.39), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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