Stock Ratings / Technology / MQ / dividends

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

$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 47/100 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 (47/100 · 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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MQ Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MQ stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Marqeta Inc. (Class A) (NASDAQ: MQ) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 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 11/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, MQ ranks #389 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MQ compare to NYAX and CNXC in the Technology sector?

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Within the Technology sector (Computer Software: Prepackaged Software), MQ carries a Roarable D (47/100 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 (46/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MQ?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:

🛡️ 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 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% 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-4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MQ)Realized 20D OHLCV Swing Band: ±6.5%

Deterministic 5-Pillar Attribution (47/100 Composite)

🔍 WHY MQ SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (28% of score)

FRED Regime × Technicals: 44% of 52W Range • RSI-14 at 52.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+11/20 pts (23% of score)

20D Institutional Volume Accumulation (±6.5% realized swing band)

▼ #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$18.29+2.2% Next Q

Q2 (-2Q)

Grade C-$18.69-1.9% Next Q

Q3 (-1Q)

Grade C-$18.33-1.4% Next Q

Current

Grade D$18.07-5.9% Hist 90D α

Trajectory: C (55) → D (47)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 47/100 (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 ($17.13) 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 47%NO 53%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • 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 → $39,070

Est. Year-10 Shareholder Yield: $703/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$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 • 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

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MQ // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.06%▲ ASCENDING CHANNEL

2026-11-02O $18.15H $18.15L $18.07C $18.07VOL 678.1K

RES: $19.49SUP: $15.74SMA50: $17.13SMA200: $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 #389 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 #389 by composite RQD confidence (47/100, 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 73/100 (B) compared with MQ at 47/100 (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	47/100	—	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	46/100	—	35.0%	-10.4%	-0.62%	$1.85B	/cnxc-vs-mq →
PDFS PDF Solutions Inc.	D	45/100	—	72.3%	1.6%	+0.15%	$1.92B	/pdfs-vs-mq →
PRGS Progress Software Corporation	B	73/100	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?

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

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

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 +5.49% above its 50-day simple moving average ($17.13) 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 52.5 (NEUTRAL RANGE) and an implied next-earnings move of ±6.5% ($16.90 to $19.24).

MQ Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does MQ pay a dividend and is it safe?

Marqeta Inc. (Class A) (MQ) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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