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Analysts Turn Cautious on Marqeta (MQ) Citing Operational Headwinds

Marqeta Inc. (NASDAQ:MQ), one of the Best Tech Stocks Under $10 to Buy, has shown strong revenue growth of 20.11% over the past 12 months, according to Mizuho analysts in a January 8 report, in which the firm otherwise lowered the stock to Neutral from Outperform and the price target to $4.50 from $8. While Marqeta Inc. (NASDAQ:MQ), one of the best tech stocks under $10 to buy, is expected to see 22% growth for fiscal year 2025, Mizuho believes that the company faces headwinds, including the transitioning of Cash App Card’s new issuance from Marqueta to Bancorp, that might “increasingly erode MQ’s status as the gold standard in next-gen debit programs” while also opening the door to rivals like Stripe and adding pressure on the company’s transaction volumes and pricing.

On the same day, Wolfe Research lowered its rating on Marqeta Inc. (NASDAQ:MQ) to Peerperform from Outperform, citing similar headwinds in the future, while also noting the company’s performance in lending and buy-now-pay-later services, which saw 60% volume growth in the third quarter of 2025.

Marqeta Inc. (NASDAQ:MQ) focuses on the digital payment technology space, having developed a modern card issuing platform. The fintech company provides infrastructure and tools for building configurable payment cards, as well as card issuer processing and card program management services.

While we acknowledge the risk and potential of MQ as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and doing so within a shorter time frame. If you are looking for an AI stock that is more promising than MQ and that has 10,000% upside potential, check out our report about this cheapest AI stock.

READ NEXT: 14 Best Tech Stocks Under $10 to Buy and Goldman Sachs Semiconductor Stocks: Top 12 Picks.

Disclosure: None. This article is originally published at Insider Monkey.

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

Dr. Inan Dogan

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard.

Fast forward a year and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, with each priced between $20,000 and $25,000.

Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:

  • 175 Teslas
  • 107 Amazons
  • 140 Metas
  • 84 Googles
  • 65 Microsofts
  • And 55 Nvidias

And here’s the wild part — this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy.

It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

How could anything be worth that much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

And this breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors.

What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution.

In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Before I reveal the details, let’s talk about how some of the richest people on the planet are positioning themselves.

  • Bill Gates sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
  • Larry Ellison — through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.
  • Warren Buffett — not known for tech hype — says this breakthrough could have a ‘hugely beneficial social impact.

When billionaires from Silicon Valley to Wall Street line up behind the same idea — you know it’s worth paying attention to.

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, we believe an even greater opportunity lies elsewhere…

But the real story isn’t Nvidia — it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

And judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans…

This prediction might not be bold at all:

A few years from now, you’ll wish you’d owned this stock.

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Wall Street calls this $3 stock a “Melting Ice Cube.” They said the same thing about BTI before it returned 90%.

Dr. Inan Dogan

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

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We alerted our subscribers, and BTI returned 90% in just 16 months.

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Today, we have identified a nearly identical pattern in a digital-first giant trading at $3.

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This pattern is a hallmark of our 16.5% annual return track record. The current opportunity offers a 400% upside potential—dwarfing even our 90% BTI return.

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