Q2 Holdings, Inc. (NYSE: QTWO) is a Technology company in the Software - Application industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 45.70 | EPS (ttm) | 1.40 | Insider Own | 6.87% | Shs Outstand | 62.35M | Perf Week | 8.00% |
| Market Cap | 3.99B | Forward P/E | 18.16 | EPS next Y | 3.52 | Insider Trans | -9.94% | Shs Float | 61.19M | Perf Month | 19.79% |
| Enterprise Value | 3.92B | PEG | 1.45 | EPS next Q | 0.67 | Inst Own | - | Short Float | 6.99% | Perf Quarter | 19.52% |
| Income | 92.00M | P/S | 4.71 | EPS this Y | 108.41% | Inst Trans | - | Short Ratio | 5.00 | Perf Half Y | 5.75% |
| Sales | 847.00M | P/B | 6.20 | EPS next Y | 20.73% | ROA | 9.50% | Short Interest | 4.28M | Perf YTD | -11.34% |
| Book/sh | 10.31 | P/C | 37.64 | EPS next 5Y | 31.62% | ROE | 14.49% | 52W High | 85.19 -24.90% | Perf Year | -16.40% |
| Cash/sh | 1.70 | P/FCF | 18.74 | EPS past 3/5Y | - | ROIC | 11.95% | 52W Low | 40.79 56.85% | Perf 3Y | 83.06% |
| Dividend Est. | - | EV/EBITDA | 27.00 | Sales past 3/5Y | 11.99% 14.55% | Gross Margin | 56.99% | Volatility | 5.78% 4.67% | Perf 5Y | -38.39% |
| Dividend TTM | - | EV/Sales | 4.62 | EPS Y/Y TTM | 318.75% | Oper. Margin | 10.26% | ATR (14) | 2.86 | Perf 10Y | 127.61% |
| Dividend Ex-Date | - | Quick Ratio | 0.94 | Sales Y/Y TTM | 21.70% | Profit Margin | 10.87% | RSI (14) | 74.34 | Recom | 2.25 |
| Dividend Gr. 3/5Y | - | Current Ratio | 0.94 | EPS Q/Q | 40.00% | SMA20 | 14.42% | Beta | 1.33 | Target Price | 70.00 |
| Payout | 0.00% | Debt/Eq | 0.51 | Sales Q/Q | 12.82% | SMA50 | 27.51% | Rel Volume | 1.18 | Prev Close | 62.45 |
| Employees | 2,549 | LT Debt/Eq | 0.05 | Earnings | Nov 04 | SMA200 | 12.28% | Avg Volume | 860.00K | Price | 63.98 |
| IPO Date | Mar 20, 2014 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 2.53% 1.34% | Net Debt/EBITDA | -0.41 | Volume | 1,014,036 | Change | 2.45% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-31-26 | Reiterated | UBS | $63 → $68 | |
| Jul-30-26 | Reiterated | Needham | Buy | $120 → $75 |
| Apr-30-26 | Reiterated | Morgan Stanley | Equal Weight | $68 → $63 |
| Apr-30-26 | Reiterated | Stifel Nicolaus | Buy | $75 → $70 |
| Apr-30-26 | Reiterated | UBS | $86 → $77 | |
| Apr-30-26 | Reiterated | Robert W. Baird | $70 → $74 | |
| Apr-07-26 | Upgrade | Baird | Neutral → Outperform | |
| Feb-12-26 | Reiterated | UBS | $86 → $67 | |
| Feb-12-26 | Reiterated | Stifel Nicolaus | Buy | $90 → $75 |
| Feb-12-26 | Reiterated | Morgan Stanley | Equal Weight | $82 → $68 |
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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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 847 | 795 | 696 | 625 | 566 | 499 | 403 | 315 | 241 | |
| Cost of Goods Sold Incl. D&A | 365 | 365 | 342 | 322 | 309 | 274 | 228 | 162 | 122 | |
| Gross Profit | 482 | 430 | 354 | 303 | 256 | 225 | 175 | 153 | 119 | |
| Selling, General and Administrative Excl. Other | 231 | 231 | 229 | 220 | 198 | 163 | 145 | 121 | 94 | |
| Research and Development | 163 | 154 | 143 | 137 | 130 | 117 | 97 | 76 | 51 | |
| Other Operating Expense | 2 | -1 | 25 | 32 | 33 | 23 | 32 | 7 | 2 | |
| Operating Income | 86 | 46 | -42 | -86 | -105 | -78 | -100 | -51 | -32 | |
| Interest Expense | 4 | 5 | 5 | 6 | 7 | 33 | 29 | 20 | 10 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 15 | 14 | 16 | 30 | 5 | 0 | -8 | -12 | 3 | |
| Net Income Before Taxes | 98 | 55 | -31 | -62 | -106 | -111 | -136 | -83 | -39 | |
| Income Taxes | 5 | 3 | 8 | 4 | 3 | 2 | 1 | -12 | -4 | |
| Consolidated Net Income | 92 | 52 | -39 | -65 | -109 | -113 | -138 | -71 | -35 | |
| Net Income From Continuing Operations | 92 | 52 | -39 | -65 | -109 | -113 | -138 | -71 | -35 | |
| Net Income | 92 | 52 | -39 | -65 | -109 | -113 | -138 | -71 | -35 | |
| EPS (Recurring) | 1.48 | 0.84 | -0.64 | -1.12 | -1.90 | -2.00 | -2.65 | -1.53 | -0.83 | |
| EPS (Basic, Before Extraordinaries) | 1.48 | 0.84 | -0.64 | -1.12 | -1.90 | -2.00 | -2.65 | -1.53 | -0.83 | |
| EPS (Diluted) | 1.40 | 0.80 | -0.64 | -1.12 | -1.90 | -2.00 | -2.65 | -1.53 | -0.83 | |
| EBITDA | 145 | 130 | 43 | 29 | -38 | -23 | -56 | -27 | -12 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 45.70 | 90.20 | — | — | — | — | — | — | — | |
| Price To Sales Ratio | 4.68 | 5.63 | 8.68 | 4.03 | 2.71 | 8.92 | 16.33 | 11.84 | 8.84 | |
| Gross Margin | 56.91 | 54.09 | 50.86 | 48.48 | 45.23 | 45.09 | 43.42 | 48.57 | 49.38 | |
| Operating Margin | 10.15 | 5.79 | -6.03 | -13.76 | -18.55 | -15.63 | -24.81 | -16.19 | -13.28 | |
| Net Margin | 10.86 | 6.54 | -5.60 | -10.40 | -19.26 | -22.65 | -34.24 | -22.54 | -14.52 | |
| Shares Outstanding | 62 | 62 | 60 | 58 | 57 | 56 | 52 | 46 | 43 | |
| Market Capitalization | 3,967 | 4,474 | 6,039 | 2,518 | 1,532 | 4,449 | 6,580 | 3,730 | 2,131 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Coleman Kirk L | Chief Business Officer | Jun 10 '26 | Sale | 43.48 | 3,603 | 156,658 | 329,658 | Jun 12 |
| Kerr Michael S | General Counsel | May 14 '26 | Sale | 44.98 | 397 | 17,857 | 81,375 | May 14 |
| Breeden John E | Chief Delivery Officer | Mar 11 '26 | Sale | 50.34 | 8,924 | 449,234 | 75,312 | Mar 13 |
| Rutledge Kimberly Anne | Chief People Officer | Mar 11 '26 | Sale | 50.37 | 3,187 | 160,529 | 80,551 | Mar 13 |
| Kerr Michael S | General Counsel | Mar 11 '26 | Sale | 50.33 | 2,071 | 104,233 | 45,156 | Mar 13 |
| Price Jonathan | Chief Financial Officer | Mar 09 '26 | Sale | 51.35 | 8,680 | 445,718 | 188,455 | Mar 11 |
| Rutledge Kimberly Anne | Chief People Officer | Mar 09 '26 | Sale | 51.35 | 4,340 | 222,859 | 83,738 | Mar 09 |
| Breeden John E | Chief Delivery Officer | Mar 09 '26 | Sale | 51.35 | 6,076 | 312,003 | 84,236 | Mar 09 |
| Kerr Michael S | General Counsel | Mar 09 '26 | Sale | 51.35 | 2,821 | 144,858 | 47,227 | Mar 09 |
| Kerr Michael S | General Counsel | Mar 05 '26 | Sale | 51.66 | 9,554 | 493,560 | 50,048 | Mar 09 |
| Breeden John E | Chief Delivery Officer | Mar 05 '26 | Sale | 51.73 | 68,707 | 3,554,213 | 90,312 | Mar 09 |
| Rutledge Kimberly Anne | Chief People Officer | Mar 05 '26 | Sale | 51.66 | 20,948 | 1,082,174 | 88,078 | Mar 09 |
| Flake Matthew P | Chief Executive Officer | Mar 04 '26 | Sale | 49.75 | 91,590 | 4,556,603 | 503,815 | Mar 04 |
| Price Jonathan | Chief Financial Officer | Mar 04 '26 | Sale | 49.75 | 32,156 | 1,599,761 | 197,135 | Mar 04 |
| Kerr Michael S | General Counsel | Mar 04 '26 | Sale | 49.75 | 7,157 | 356,061 | 59,602 | Mar 04 |