Marqeta Inc-A 2026年季度报告

FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March31, 2026 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from __________ to __________Commission File Number: 001-40465 Marqeta, Inc. (Exact name of registrant as specified in its charter) Delaware (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification Number) 180 Grand Avenue, 6th Floor, Oakland, California (510) 671-5437(Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934(the “Exchange Act”) during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any newor revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ As of April30, 2026, there were 391,222,103 shares of the registrant's Class A common stock, par value $0.0001 per share, outstanding and 32,808,210shares of the registrant's Class B common stock, par value $0.0001 per share, outstanding. TABLE OF CONTENTS Note About Forward-Looking Statements Part I - Financial Information Item 1.Condensed Consolidated Financial Statements:Condensed Consolidated Balance SheetsCondensed Consolidated Statements of Operations and Comprehensive Income(Loss)Condensed Consolidated Statements of Stockholders' EquityCondensed Consolidated Statements of Cash FlowsNotes to Condensed Consolidated Financial StatementsItem 2.Management's Discussion and Analysis of Financial Condition and Results of OperationsItem 3.Quantitative and Qualitative Disclosures About Market RiskItem 4.Controls and Procedures Part II - Other Information Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignatures 3939414141414243 Note About Forward-Looking Statements This Quarterly Report on Form 10-Q contains forward-looking statements within the meaning of the federal securitieslaws, which are statements that involve substantial risks and uncertainties. Forward-looking statements generally relate tofuture events or our future financial or operating performance. In some cases, you can identify forward-looking statementsbecause they contain words such as “may,” “will,” “shall,” “should,” “expects,” “plans,” “anticipates,” “could,” “intends,”“target,” “projects,” “contemplates,” “believes,” “estimates,” “predicts,” “potential,” or “continue” or the negative of thesewords or other similar terms or expressions that concern our expectations, strategy, plans or intentions. Forward-lookingstatements contained in this Quarterly Report on Form 10-Q include, but are not limited to, statements about: •uncertainties related to U.S. and global economies and the effect on our business, results of operations, andfinancial condition;•our future financial performance and any fluctuations in such performance, including our net revenue, costs ofrevenue, gross profit, and operating expenses, and our ability to achieve future profitability;•our ability to introduce and scale new products and services, such as our credit card platform;•our ability to effectively manage or sustain our growth and expand our operations;•our ability to enhance our platform and services and develop and expand our capabilities;•our ability to further attract, retain, diversify, and expand our customer base;•our ability to maintain our relationships with Issuing Banks, Card Networks, and the other third parties with whichwe work;•our strategies, plans, objectives, and goals;•our plans to expand internationally;•past