Business Description
Q2 Holdings Inc
NAICS : 513210
SIC : 7371
ISIN : US74736L1098
Total Employee Number:
2,549Description
Q2 Holdings Inc provides digital solutions to financial institutions, financial technology companies, and alternative finance companies, seeking to incorporate banking into their customer engagement and servicing strategies. The company helps its clients with supervisory, consumer protection, privacy, third-party risk management requirements, and cyber threats and fraud, among other applications, by offering a portfolio of digital solutions, which comprises its digital banking offerings, digital lending and relationship pricing solutions, risk and fraud solutions, as well as Q2 Innovation Studio and Helix. Q2 derives the majority of its revenue from subscription fees for the use of its hosted solutions.
Financial Strength
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.6 | |||||
Equity-to-Asset | 0.66 | |||||
Debt-to-Equity | 0.06 | |||||
Debt-to-EBITDA | 0.27 | |||||
Interest Coverage | 18.55 | |||||
Piotroski F-Score | 9/9 | |||||
Altman Z-Score | 7.55 | |||||
Beneish M-Score | -2.66 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 7.3 | |||||
3-Year EPS without NRI Growth Rate | 48.9 | |||||
3-Year FCF Growth Rate | 185.8 | |||||
3-Year Book Growth Rate | 13.3 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 20.85 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 10.58 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 21.29 | |||||
9-Day RSI | 38.28 | |||||
14-Day RSI | 48.59 | |||||
3-1 Month Momentum % | 42.65 | |||||
6-1 Month Momentum % | 27.99 | |||||
12-1 Month Momentum % | -17.2 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.94 | |||||
Quick Ratio | 0.94 | |||||
Cash Ratio | 0.41 | |||||
Days Sales Outstanding | 28.18 | |||||
Days Payable | 12.31 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -2.8 | |||||
Shareholder Yield % | 8.86 |
Profitability Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 56.99 | |||||
Operating Margin % | 10.44 | |||||
Net Margin % | 10.87 | |||||
EBITDA Margin % | 17.98 | |||||
FCF Margin % | 22.34 | |||||
OCF Margin % | 26.74 | |||||
ROE % | 14.72 | |||||
ROA % | 7.3 | |||||
ROIC % | 6.66 | |||||
3-Year ROIIC % | 55.54 | |||||
ROC (Joel Greenblatt) % | 187.12 | |||||
ROCE % | 14.71 | |||||
Years of Profitability over Past 10-Year | 1 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 44.38 | |||||
Forward PE Ratio | 18.18 | |||||
PE Ratio without NRI | 42.85 | |||||
Price-to-Owner-Earnings | 49.19 | |||||
PS Ratio | 4.92 | |||||
PB Ratio | 6.02 | |||||
Price-to-Tangible-Book | 67.53 | |||||
Price-to-Free-Cash-Flow | 21.93 | |||||
Price-to-Operating-Cash-Flow | 18.33 | |||||
EV-to-EBIT | 37.26 | |||||
EV-to-EBITDA | 25.03 | |||||
EV-to-Forward-EBITDA | 30.79 | |||||
EV-to-Revenue | 4.5 | |||||
EV-to-Forward-Revenue | 3.91 | |||||
EV-to-FCF | 20.15 | |||||
Price-to-GF-Value | 0.83 | |||||
Price-to-Projected-FCF | 3.27 | |||||
Price-to-Median-PS-Value | 0.56 | |||||
Price-to-Graham-Number | 11.36 | |||||
Earnings Yield (Greenblatt) % | 2.68 | |||||
FCF Yield % | 4.88 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
Q2 Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 846.197 | ||
| EPS (TTM) ($) | 1.4 | ||
| Beta | 1.3236 | ||
| 3-Year Sharpe Ratio | 0.61 | ||
| 3-Year Sortino Ratio | 1.09 | ||
| Volatility % | 47.86 | ||
| 14-Day RSI | 48.59 | ||
| 14-Day ATR ($) | 2.408955 | ||
| 20-Day SMA ($) | 64.122 | ||
| 12-1 Month Momentum % | -17.2 | ||
| 52-Week Range ($) | 40.79 - 85.19 | ||
| Shares Outstanding (Mil) | 62.35 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Q2 Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Q2 Holdings Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Fourth quarter earnings conference call for 2026 | 2027-02-11 17:00 | In 158 days | ||
| Annual report for 2026 | 2027-02-11 | In 157 days | ||
| Fourth quarter earnings results for 2026 | 2027-02-11 | In 157 days | ||
| Third quarter earnings conference call for 2026 | 2026-11-05 17:00 | In 60 days | ||
| Third quarter earnings results for 2026 | 2026-11-05 | In 59 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-29 17:00 | 59.24 (+1.79%) | ||
| Second quarter earnings results for 2026 | 2026-07-29 | 59.24 (+1.79%) | ||
| General meeting for 2026 | 2026-06-10 13:00 | 44.39 (+0.43%) | ||
| JP Morgan’s Global Technology, Media and Communications Conference | 2026-05-19 | 46.88 (+4.25%) | ||
| First quarter earnings conference call for 2026 | 2026-04-29 17:00 | 50.16 (+1.81%) |
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Q2 Holdings Inc Frequently Asked Questions
What is Q2 Holdings Inc(QTWO)'s stock price today?
The current price of QTWO is $62.13. The 52 week high of QTWO is $85.19 and 52 week low is $40.79.
When is next earnings date of Q2 Holdings Inc(QTWO)?
The next earnings date of Q2 Holdings Inc(QTWO) is 2026-11-05 Est..
Does Q2 Holdings Inc(QTWO) pay dividends? If so, how much?
Q2 Holdings Inc(QTWO) does not pay dividend.
Guru Commentaries on NYSE:QTWO
Conestoga Micro Cap Composite
Neutral
2026 Q2
What the manager wrote
Q2 Holdings, Inc. (QTWO) was mentioned as experiencing negative sentiment, which continued to weigh on its performance. However, there was no explicit argument made regarding its future prospects or valuation. The letter discussed the overall performance of the portfolio and the challenges faced in the technology sector, but did not provide a specific investment thesis for Q2 Holdings, Inc.
Conestoga Mid Cap Composite
Bearish
2025 Q3
What the manager wrote
Q2 Holdings, Inc. (QTWO) provides cloud-based digital banking and lending solutions to financial institutions in the U.S. and abroad. QTWO’s shares were pressured by investors’ concerns about information technology spending by regional banks and credit unions and company specific issues. The company discussed a slightly elevated customer churn during 2Q25, which was due to an unfavorable mix of M&A and some point solution customers not renewing its contracts. Despite this, the company is still comfortable with sub 5% overall churn for 2025.
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