QTWO logo

Q2 HOLDINGS INC

QTWONYSE
πŸ† #1594 by market capUS Equity
$55.11β–Ό $0.05 (βˆ’0.09%)
Market closed Β· at close
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24hβ–Ό 0.1%
7dβ–Ό 1.0%
14dβ–Ό 7.6%
30dβ–Ό 15.4%
ytdβ–Ό 23.6%
1yβ–Ό 23.9%
🏦Market Cap
$3.44B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+13.9%
Healthy
πŸ“ŠGross Margin
57.0%
Healthy
πŸ’΅FCF Margin
22.3%
Strong
βš–οΈP/S Ratio
4.1x
Fair
Otter Score
68
Fair

Trading Snapshot

Day Range
$54.72 – $55.94
52-Week Range
$40.79 – $76.24
Volume
$2.13B
Avg Volume
$2.25B
Shares Outstanding
62.4M
Next Earnings
Nov 13, 2026

Fundamentals Snapshot

Annual Revenue
$795M
Last Q Revenue
$220M
P/E Ratio
37.3
P/S Ratio
4.1x
EPS (TTM)
$1.38
Dividend Yield
β€”
Dilution (1yr)
+5.8%

Why Investors Own QTWO

  • βœ“High-growth profile β€” revenue up +57.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 28% gross margin and 8% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

QTWO logo

Q2 HOLDINGS INC

QTWO
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$795Mβ–² +14.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.0%β–² +6.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$46Mβ–Ό βˆ’208.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$195Mβ–² +50.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
68.4Mβ–² +5.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$21Mβ–² +$205M YoY
StockOtter Β· stockotter.space

About Q2 HOLDINGS INC

Q2 Holdings, Inc. provides a comprehensive array of cloud-based digital banking platforms, primarily serving regional and community financial institutions (RCFIs) across the United States. Its extensive product lineup covers various facets of digital finance. For consumers, the company offers Q2 Consumer Banking, a browser-accessible solution featuring fully branded digital banking capabilities. Businesses, both small and commercial, can utilize Q2 Small Business and Commercial, a dedicated digital banking platform optimized for mobile and tablet devices. Furthermore, Q2mobile Remote Deposit Capture streamlines the process of depositing checks remotely. Beyond core banking functionality, Q2 also delivers specialized solutions. These include Q2 Sentinel for advanced security analytics and Q2 Patrol, an event-driven validation product. To enhance customer engagement, Q2 provides the SMART platform for targeting and messaging. Q2 CardSwap facilitates automatic updates of payment information for account holders receiving new cards, while Q2 Gro serves as a versatile platform for digital account opening, sales, and marketing. For bill payments, there's Q2 Biller Direct, and ClickSWITCH empowers financial institutions to manage and redirect direct deposits for end-users. The company's portfolio extends to robust risk and transaction management tools under the Centrix brand: a Dispute Tracking System for electronic transaction dispute resolution, a Payments I.Q. System for monitoring ACH files and reporting on risks, and an Exact/Transaction Management System designed for fraud prevention. Developers are also supported by the Q2 Caliper Software Development Kit. Enhancing personal financial management, Q2 Contextual PFM allows users to integrate and view both external and internal accounts directly on their digital banking homepage. Q2 Goals assists users in establishing and progressing towards specific savings objectives. Lending and leasing operations are supported by Q2 Cloud Lending, a digital platform, and PrecisionLender, a cloud-native, data-driven solution for sales enablement, pricing, and portfolio management. Additionally, Q2 BaaS offers a suite of open API financial services. Founded in 2004 and headquartered in Austin, Texas, the company originally operated as CBG Holdings, Inc. before changing its name to Q2 Holdings, Inc. in March 2013.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$66.46
β–² +20.6% Upside
High Target$75.98
Low Target$51.73
Based on 13 analysts

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