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Marqeta (MQ) investor relations material

Marqeta Goldman Sachs Communicopia + Technology Conference 2025 summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Goldman Sachs Communicopia + Technology Conference 2025 summary8 Sep, 2025

Leadership updates and strategic focus

  • Permanent CEO appointment announced, with a search underway for a new CFO.

  • No major change in strategic direction; focus remains on execution and narrowing priorities.

  • Emphasis on expanding platform capabilities and improving customer experience.

  • Leveraging AI tools to enhance operational efficiency and speed.

Financial performance and outlook

  • Q2 results exceeded expectations: TPV grew 29%, gross profit up 31% (22% normalized), and adjusted expenses declined 7%.

  • Record EBITDA achieved due to cost optimization and timing of investments.

  • Accounting changes will become a headwind in Q3 and Q4; TPV growth not projected to remain as strong.

  • Renewal impacts delayed, now expected to affect Q4 and 2026, lifting 2025 performance.

Growth strategy and market opportunities

  • Growth driven by fintech expansion, embedded finance, and eventual targeting of large banks.

  • Building out credit business and expanding in Europe, with recent acquisition to enhance European offering.

  • Value-added services (risk, data, banking, tokenization) are new growth drivers, especially in Europe.

  • Cross-selling opportunities expected to increase as customer base diversifies.

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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
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Eferix Drawings Google Play
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Frequently asked questions

Marqeta, Inc. operates a cloud-based open application programming interface platform that delivers card issuing and transaction processing services to developers, technical product managers, and visionary entrepreneurs. The company's API engine specializes in the digitization and assembly of all components required to connect customers and their payment cards to merchant networks and payment service providers; automatic reconciliation processes with issuers, processors, and payment networks; as well as fraud prevention processes. It serves commercial card providers, banks, fintechs, digital bank enablers, and other financial institution, as well as community banks.

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