Just caught Marqeta's Q4 earnings and it's worth a look if you follow financial services stocks. MQ basically hit breakeven on earnings per share, which actually beat expectations since analysts were calling for a small loss. Compare that to a year ago when they posted a $0.05 loss per share and you can see the improvement happening.

Revenue side looks solid too - they pulled in $172.11M for the quarter, up from $135.79M a year prior. That's a decent beat against consensus estimates. The company's been consistently surprising to the upside on revenue over the past year, so there's some positive momentum there.

That said, MQ shares have been getting hammered this year, down about 13.9% while the broader market barely budged. The real question now is what comes next. Zacks has the stock rated as a Sell right now based on recent estimate revisions trending unfavorable. Current consensus is looking for breakeven earnings next quarter on around $167.54M in revenue.

Worth noting that the whole Financial Transaction Services industry is in the bottom 40% of sectors right now, which could be a headwind. If you're thinking about MQ, might be worth waiting to see how the earnings guidance plays out and whether estimates start moving in a better direction. The stock's fate probably depends more on what management says on the call than just these numbers alone.