Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.62
Equity-to-Asset	0.38
Debt-to-Equity	1.17
Debt-to-EBITDA	149.39
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.72	Distress Grey Safe
Beneish M-Score	-2.88	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	11.4
	3-Year EPS without NRI Growth Rate	19
	3-Year Book Growth Rate	-13.1
	Future 3-5Y Total Revenue Growth Rate	10.92

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	87.57
	9-Day RSI	79.8
	14-Day RSI	74.26
	6-1 Month Momentum %	56.13
	12-1 Month Momentum %	134.72

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	2.38
	Quick Ratio	2.38
	Cash Ratio	1.76
	Days Sales Outstanding	25.22
	Days Payable	16.84

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-2
	Shareholder Yield %	3.86

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	48.91
	Operating Margin %	-10.81
	Net Margin %	-12.35
	FCF Margin %	7.67
	ROE %	-17.61
	ROA %	-6.6
	ROIC %	-7.89
	ROC (Joel Greenblatt) %	-84.46
	ROCE %	-6.72

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	Forward PE Ratio	47.4
	PS Ratio	5.67
	PB Ratio	7.95
	Price-to-Free-Cash-Flow	73.91
	Price-to-Operating-Cash-Flow	45.3
	EV-to-EBIT	-56.37
	EV-to-EBITDA	1049.29
	EV-to-Forward-EBITDA	30.79
	EV-to-Revenue	6.02
	EV-to-Forward-Revenue	5.57
	EV-to-FCF	78.5
	Price-to-Projected-FCF	9.44
	Price-to-Median-PS-Value	0.61
	Earnings Yield (Greenblatt) %	-1.77
	FCF Yield %	1.32

GF Value: $47.28

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