Q2 Holdings, Inc.

QTWO • Software - Application

$64.20

— 0.00 (0.00%)

EarningsLatest report: Jun 30, 2026

BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.

Market Cap

$4.28B

Growth

13.1%

Cash Flow

5/5

Trend

Stable

Evidence

Positive revenue growth · 9.7%Positive free cash flow · 3.13Consistent free cash flow · 5/5Manageable debt level · 0.52Expensive earnings multiple · 86.24

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$64.20

Change0.00%

Shares Out66.67M

Market Cap$4.28B

Enterprise Value$4.22B

52W Range40.79 - 85.19

Beta1.33

P/E46.53

P/S5.06

P/B6.65

P/FCF20.07

EV/Sales4.99

Price$64.20

Change0.00%

Shares Out66.67M

Market Cap$4.28B

Enterprise Value$4.22B

52W Range40.79 - 85.19

Beta1.33

P/E46.53

P/S5.06

P/B6.65

P/FCF20.07

EV/Sales4.99

EV/EBITDA43.00

EV/FCF19.79

Earnings Yield2.15%

FCF Yield4.98%

Dividend Yield0.00%

Gross Margin54.05%

Oper. Margin5.74%

Profit Margin6.54%

Debt/Eq0.52

Current Ratio1.02

Quick Ratio1.02

Revenue 5Y13.08%

Target$70.50

Target Upside9.81%

Target Median$71.50

Target Range63.00 - 75.00

Volume1.80M

Avg Volume835.19K

EPS Surprise-0.08

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

50/100

Financial Strength

Debt, cash, stability

69/100

Growth Potential

Revenue and expansion

94/100

Price Attractiveness

Cheap or expensive today

42/100

Why this score▼

Positive revenue growth · 9.7%Positive free cash flow · 3.13Consistent free cash flow · 5/5Manageable debt level · 0.52Expensive earnings multiple · 86.24

Analyst view

Analyst sentiment and price target

QTWO

Analyst sentiment

Based on 32 analyst votes · 2026-09-04

88/100

Bullish

Hold

Bearish

Price Target

2026-07-31

Low

$63.00

Mean

$73.50

Median

$74.50

High

$82.00

Company Overview

IPO: 3/20/2014

Industry: Software - Application

P/B i: 6.65

Debt / Equity i: 0.52

Operating Margin: 5.74%

Net Margin: 6.54%

ROE i: -

ROIC: -

Financial Health

Score14 / 20

Debt / Equity: 0.52

Current Ratio: 1.02

Quick Ratio: 1.02

Status: Good

Insider Transactions

Recent executive and insider activity

Coleman Kirk L

Transaction: 06/10/2026

SELL

Change

-3,603

Price

$43.48

Filing

06/12/2026

Type

SELL

Atchison Rebecca Lynn

Transaction: 06/10/2026

BUY

Change

+4,741

Price

Not reported

Filing

06/12/2026

Type

BUY

Offerdahl James

Transaction: 06/10/2026

BUY

Change

+4,741

Price

Not reported

Filing

06/12/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
Coleman Kirk L	SELL	-3,603	$43.48	06/10/2026	06/12/2026
Atchison Rebecca Lynn	BUY	+4,741	Not reported	06/10/2026	06/12/2026
Offerdahl James	BUY	+4,741	Not reported	06/10/2026	06/12/2026
TAYLOR MARGARET	BUY	+4,741	Not reported	06/10/2026	06/12/2026
Mintz Andre L	BUY	+4,741	Not reported	06/10/2026	06/12/2026
Tyson Lynn Antipas	BUY	+4,741	Not reported	06/10/2026	06/12/2026
Hooley Stephen C	BUY	+4,741	Not reported	06/10/2026	06/12/2026
Kerr Michael S	SELL	-397	$44.98	05/14/2026	05/14/2026
Rutledge Kimberly Anne	SELL	-3,187	$50.37	03/11/2026	03/13/2026
Breeden John E	SELL	-8,924	$50.34	03/11/2026	03/13/2026
Price Jonathan	BUY	+48,179	Not reported	03/11/2026	03/13/2026
Coleman Kirk L	BUY	+33,726	Not reported	03/11/2026	03/13/2026
Flake Matthew P	BUY	+96,358	Not reported	03/11/2026	03/13/2026
Mukkamala Himagiri K	BUY	+38,544	Not reported	03/11/2026	03/13/2026
Kerr Michael S	SELL	-2,071	$50.33	03/11/2026	03/13/2026
Price Jonathan	SELL	-8,680	$51.35	03/09/2026	03/11/2026
Kerr Michael S	SELL	-2,821	$51.35	03/09/2026	03/09/2026
Breeden John E	SELL	-6,076	$51.35	03/09/2026	03/09/2026
Rutledge Kimberly Anne	SELL	-4,340	$51.35	03/09/2026	03/09/2026
Kerr Michael S	SELL	-9,554	$51.66	03/05/2026	03/09/2026

About the Company

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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Peers

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1Y peer performance

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Latest news

Head to Head Survey: Q2 (NYSE:QTWO) & Symbolic Logic (NASDAQ:EVOL)

Symbolic Logic (NASDAQ: EVOL - Get Free Report) and Q2 (NYSE: QTWO - Get Free Report) are both technology companies, but which is the superior stock? We will contrast the two businesses based on the strength of their profitability, dividends, analyst recommendations, earnings, institutional ownership, risk and valuation. Risk and Volatility Symbolic Logic has a beta of

Defense World

Insider Selling: Q2 (NYSE:QTWO) CFO Sells $5,071,497.80 in Stock

Q2 Holdings, Inc. (NYSE: QTWO - Get Free Report) CFO Jonathan Price sold 77,180 shares of Q2 stock in a transaction dated Thursday, August 13th. The stock was sold at an average price of $65.71, for a total transaction of $5,071,497.80. Following the sale, the chief financial officer directly owned 207,633 shares of the company's stock,

Defense World

California State Teachers Retirement System Grows Stock Position in Q2 Holdings, Inc. $QTWO

California State Teachers Retirement System boosted its holdings in Q2 Holdings, Inc. (NYSE: QTWO) by 24.1% during the first quarter, according to its most recent Form 13F filing with the SEC. The fund owned 72,724 shares of the technology company's stock after acquiring an additional 14,108 shares during the period. California State Teachers

Defense World

Q2 Innovation Studio Marks Five Years of Customer Adoption, with More Than 90% of Q2 Digital Banking Customers Leveraging Its SDK and Partner Ecosystem

AUSTIN, Texas--(BUSINESS WIRE)--Q2 Holdings, Inc. (NYSE: QTWO), a leading provider of digital transformation solutions for financial services, today announced that five years after its launch, more than 90% of Q2 digital banking customers are now utilizing Q2 Innovation Studio, the company's SDK-powered innovation model and embedded fintech ecosystem that enable financial institutions to deploy, build and scale digital banking innovations. Financial institutions are under increasing pressure to.

Business Wire

Q2 Holdings (QTWO) Moves to Strong Buy: Rationale Behind the Upgrade

Q2 Holdings (QTWO) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

Zacks Investment Research

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-29	0.71	0.63	-0.08
2026-02-11	0.59	0.61	0.02
2025-11-05	0.55	0.57	0.02
2025-07-30	0.51	0.5	-0.01
2025-05-07	0.48	0.54	0.06
2025-02-12	0.48	0.48	0
2024-11-06	0.37	0.28	-0.09
2024-07-31	0.34	0.26	-0.08
2024-05-01	0.29	0.31	0.02
2024-02-21	0.24	0.27	0.03
2023-11-01	0.17	0.21	0.04
2023-08-02	0.12	0.07	-0.05