The article provides an overview of analyst ratings for Marqeta, showing a mix of bullish, somewhat bullish, indifferent, and somewhat bearish ratings. The average 12-month price target has decreased by 17.96% from the previous average, indicating uncertainty in the stock's short-term performance. Given the mixed ratings and the decrease in the average price target, the short-term impact on Marqeta's stock price is expected to be neutral.