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Marqeta Inc (MQ) is not a strong buy at this moment for a beginner, long-term investor with $50,000-$100,000 available for investment. The stock exhibits bearish technical indicators, mixed analyst sentiment, and lacks significant positive catalysts. While the company has shown revenue growth, its declining net income and EPS, coupled with hedge fund selling activity, suggest caution. It is advisable to hold off on purchasing this stock until there are clearer signs of recovery or positive momentum.
The technical indicators for MQ are bearish. The moving averages are aligned in a bearish pattern (SMA_200 > SMA_20 > SMA_5). The RSI is neutral at 52.988, and the MACD histogram is slightly positive at 0.0141, but these do not indicate strong upward momentum. The stock is trading near its pivot level of 4.141, with key support at 3.914 and resistance at 4.368.

The company reported a 27.62% YoY revenue increase in Q3 2025, indicating growth in its core business.
Hedge funds are selling the stock, with a 160.97% increase in selling activity over the last quarter.
Analysts have downgraded the stock recently, citing risks from competition and guidance uncertainty.
Net income and EPS have significantly declined YoY, with net income dropping by -87.35%.
No recent positive news or significant events to drive the stock higher.
In Q3 2025, Marqeta's revenue increased by 27.62% YoY to $163.3 million. However, net income dropped by -87.35% to -$3.62 million, and EPS fell by -83.33% to -0.01. Gross margin also declined slightly to 65.85%, down -1.66% YoY.
Analyst sentiment is mixed to negative. JPMorgan maintains an Overweight rating with a reduced price target of $6, while Mizuho and Wolfe Research downgraded the stock, citing competition risks and guidance uncertainty. Keefe Bruyette also lowered its price target to $5.50, maintaining a Market Perform rating.