Marqeta, Inc. (MQ) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.177 Ladies and gentlemen, welcome to the Marketo fourth quarter 2025 earnings conference 00:00:05.177 -- 00:00:09.122 call. At this time, all participants are in a listen-only mode. 00:00:09.122 -- 00:00:12.967 A brief question and answer session will follow the formal presentation. 00:00:12.967 -- 00:00:15.690 As a reminder, this conference is being recorded. 00:00:15.690 -- 00:00:20.275 It is now my pleasure to introduce your host, Maria Grazier, 00:00:20.275 -- 00:00:24.260 Director of Investor Relations. Please go ahead. 00:00:24.260 -- 00:00:29.246 Thanks, Operator. Good afternoon, everyone, and welcome to Marketo's fourth quarter 2025 00:00:29.246 -- 00:00:34.471 earnings call. Hosting today's call are Mike Miletic, Marquetta's CEO, 00:00:34.471 -- 00:00:37.876 and Patty Kong-Wong Keech, Marquetta's CFO. 00:00:37.876 -- 00:00:42.562 Before we begin, I would like to remind everyone that today's call may contain forward-looking 00:00:42.562 -- 00:00:47.990 statements. These forward-looking statements are subject to numerous risks and uncertainties, 00:00:47.990 -- 00:00:53.058 including those set forth in our filings with the SEC, which are available on our Investor 00:00:53.058 -- 00:00:58.225 Relations website, including our annual report on Form 10-K and our subsequent 00:00:58.225 -- 00:01:03.462 periodic filings with the SEC. Actual results may differ materially from any 00:01:03.462 -- 00:01:07.928 forward-looking statements we make today. These forward-looking statements speak only 00:01:07.928 -- 00:01:12.374 as of the time of this call and the company does not assume any obligation or intent 00:01:12.374 -- 00:01:17.480 to update them except as required by law. In addition, today's call includes 00:01:17.480 -- 00:01:22.50...