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QTWO stock logo

QTWO

Q2 Holdings, Inc.

$47.74
0.34
 (0.72%)
[ms_data_label text=’Delayed data’]
Exchange:  NYSE
Market Cap:  2.979B
Shares Outstanding:  11.794M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Application
   
CEO:  Matthew Flake
Full Time Employees:  2476
Address: 
10355 Pecan Park Boulevard
Austin
TX
78729
US
Website:  https://www.q2.com
Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. The company offers Q2 Consumer Banking, a browser-based digital banking solution and comprehensive financial institution branded digital banking capabilities; Q2 Small Business and Commercial, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture. It also provides Q2 Sentinel, a security analytics solution; Q2 Patrol, an event-driven validation product; Q2 SMART, a targeting and messaging platform; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information. In addition, the company offers Q2 Gro, a digital account opening, and digital sales and marketing platform; Q2 Biller Direct, a bill payment solution; ClickSWITCH allows financial institutions to direct deposits to the end user. Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; Centrix Exact/Transaction Management System, a fraud prevention tool; and Q2 Caliper Software Development Kit. Futher, it provides Q2 Contextual PFM, which allows end users to add external accounts and view them together with internal accounts on digital banking home page; Q2 Goals that enables end users to establish and save towards specific savings goals; Q2 Cloud Lending, a digital lending and leasing platform; PrecisionLender platform, a cloud-based, data-driven sales enablement, pricing, and portfolio management solution; and Q2 BaaS, a portfolio of open API financial services. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/11/06 — Q2 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue624,624696,464794,809
Gross Profit302,651354,481429,590
EBITDA29,01742,888115,063
Operating Income-86,057-42,26345,639
Net Income-65,384-38,53652,008

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,201,4251,294,7951,276,277
Total Liabilities752,946776,999614,466
Total Stockholders Equity448,479517,796661,811
Total Debt546,488541,119346,115
Cash and Cash Equivalents229,655358,560367,631

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow70,292135,751201,461
Capital Expenditure-30,643-6,692-6,810
Free Cash Flow39,649129,059194,651
Net Income-65,384-38,53652,008
Net Change in Cash31,730127,1618,510

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,066,331.830Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,069,023.763Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,067,677.797Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)29,765.335Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)29,840.477Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)29,802.906Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)259,863.801Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)262,895.044Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)261,379.423Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)351,886.597Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)352,774.928Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)352,330.763Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)4.010Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.040Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.990Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
696.464M  ?P/S
 (TTM)
: 
3.9
?Net Income
 (TTM)
: 
-38536000  ?P/E
 (TTM)
: 
43.22
?Enterprise Value
 (TTM)
: 
3.209B  ?EV/FCF
 (TTM)
: 
16.39
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.06
?Net Debt
 (TTM)
: 
92.26M  ?Debt/Equity
 (TTM)
: 
0.56
?P/B
 (TTM)
: 
5.22  ?Current Ratio
 (TTM)
: 
0.93

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
17.17Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates QTWO intrinsic value between $29.14 – $31.59 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate QTWO Intrinsic Value

Common questions about QTWO valuation

Is Q2 Holdings, Inc. (QTWO) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Q2 Holdings, Inc. (QTWO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is QTWO a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether QTWO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is QTWO’s P/E ratio?

You can see QTWO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for QTWO?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is QTWO a good long-term investment?

Whether QTWO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

QTWO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.72
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 44.65   Year High: 96.68
Price Avg 50: 52.85   Price Avg 200: 70.06
Volume: 383249   Average Volume: 1.08M

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See in Nexus

Relevant news

Q2 Holdings (QTWO) Upgraded to Buy: Here's Why
01-05-2026 13:02
Q2 Holdings (QTWO) Upgraded to Buy: Here's Why
Q2 Holdings, Inc. (QTWO) Q1 2026 Earnings Call Transcript
29-04-2026 21:21
Q2 Holdings, Inc. (QTWO) Q1 2026 Earnings Call Transcript
Q2 Holdings (QTWO) Reports Q1 Earnings: What Key Metrics Have to Say
29-04-2026 21:01
Q2 Holdings (QTWO) Reports Q1 Earnings: What Key Metrics Have to Say
Q2 Holdings, Inc. (QTWO) AI Strategy and Technical Differentiation in Financial Services Platform Transcript
21-04-2026 17:30
Q2 Holdings, Inc. (QTWO) AI Strategy and Technical Differentiation in Financial Services Platform Transcript
Q2 Holdings, Inc. Announces Investor Conference Call to Review First Quarter 2026 Financial Results
15-04-2026 16:30
Q2 Holdings, Inc. Announces Investor Conference Call to Review First Quarter 2026 Financial Results
Q2 Holdings, Inc. to Attend Upcoming Conference During Second Quarter 2026
01-04-2026 16:15
Q2 Holdings, Inc. to Attend Upcoming Conference During Second Quarter 2026

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