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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Marqeta
Marqeta (MQ) investor relations material
Marqeta Morgan Stanley Technology, Media & Telecom Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Morgan Stanley Technology, Media & Telecom Conference 2026 summary2 Mar, 2026
Business model and growth strategy
Platform business model with high fixed costs and low marginal costs enables scalable and profitable growth as volume increases.
Ruthless prioritization of investments and disciplined build vs. partner decisions drive efficiency and focus.
Gross profit grew 24% and adjusted EBITDA increased by more than 3.5x in 2025, reflecting scale benefits.
Focus on flexibility and configurability allows support for diverse use cases across credit, debit, consumer, and commercial segments in 40 countries.
Expertise in launching and scaling innovative card programs is a key differentiator, fostering deep customer engagement.
Key customer relationships and revenue concentration
Largest customer, Block, accounted for 44% of net revenue in Q4, with a deep, evolving partnership and ongoing growth opportunities.
Block's Cash App recently moved into a new pricing tier, resulting in a significant price step-down for 2026, impacting year-over-year comparisons.
Block plans to diversify processing, a common practice among large customers, but the company aims to remain the primary partner.
Dedicated teams maintain daily collaboration with Block to drive penetration and innovation.
Product innovation and vertical performance
Buy now, pay later (BNPL) and lending verticals are major growth drivers, with BNPL representing high teens percentage of TPV and growing nearly 60% in Q4.
Flexible Credential and wallet distribution are fueling BNPL growth in both the U.S. and Europe.
Expense management is another strong vertical, growing over 40%, driven by disruptors and broad-based customer adoption.
Financial services, including neobanking, comprise over 50% of TPV and grew over 30% in Q4 2025.
New customer cohorts are expected to double their gross profit contribution in 2026, with 40 new logos onboarded since early 2024.
How to retain Block as primary partner?
Which verticals drive TPV growth acceleration?
TransactPay's impact on Europe's unit economics?
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Next Marqeta earnings date
Q1 20266 May, 2026
Marqeta
Next Marqeta earnings date
Q1 20266 May, 2026
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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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