Q2 Holdings, Inc. QTWO R2K

Technology · Software - Application · United States

https://www.q2.com

Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The company offers Digital Banking Platform, an end-to-end digital banking platform that supports its financial institution customers in their delivery of retail, SMB, and commercial functionalities across digital channels; and risk and fraud solutions that are designed to support financial institutions' efforts to protect end users, comply with regulatory requirements and manage fraud risk efficiently. It also provides Q2 Innovation Studio, an application program interface and software development kit based open technology platform that allows financial institution customers, FinTechs, and other partners to deploy customized experiences and financial services to end users; and Helix, a cloud-native, real-time core processing platform that combines the services and functionality for companies and financial institutions. In addition, the company offers digital lending and relationship pricing solutions that support financial institutions, FinTechs and Alt-FIs in managing lending workflows, pricing strategies and customer relationships across commercial and consumer use cases, as well as offers loans, deposits and fee-based products. 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.

Market & Price

Market Cap

$2.96B

Current Price

$47.35

High / Low (52W)

$95.27 / $44.70

Beta

1.39

Valuation

Stock P/E

41.90

Industry PE

32.74

Forward P/E

14.66

PEG Ratio

8.35

Book Value

$9.76

Price to Book

4.85

P/S

3.61

EV/EBITDA

30.08

Dividend Yield

Profitability & Returns

ROCE

8.21%

ROE

12.77%

ROA

3.17%

Profit Margin

8.99%

Op Margin

12.90%

EPS (Latest Qtr)

$0.40

EPS (TTM)

$1.13

Balance Sheet & Liquidity

Debt/Equity

0.56

Quick Ratio

0.82

Current Ratio

0.93

Debt

$343.90M

Total Assets

$1.28B

Current Assets

$556.05M

Working Capital

$11.97M

Ownership

Promoter Holding

0.83%

Chg in Prom Hold

FII / Inst Holding

105.15%

Chg in FII Hold

0.02%

Financial Snapshot

Enterprise Value

$2.93B

Total Revenue (TTM)

$821.58M

EBITDA

$97.37M

Free Cash Flow

$179.87M

Operating Cash Flow

$214.25M

Shares Outstanding

62.60M

Gross Margin

55.58%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

12.00%

Profit 5Y

49.24%

Revenue (YoY)

14.10%

Earnings (YoY)

471.40%

PROS

Compounding revenue at 12.0% over 5 years.
Profit CAGR of 49.2% over 5 years.
Generates positive free cash flow.

CONS

Trading 50.3% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Technology).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	QTWO Q2 Holdings, Inc. R2K	47.35	41.90	$2.96B	-	8.21%	12.77%	12.00%	49.24%
2	NVDA NVIDIA Corporation NDXSPXAI	211.14	32.38	$5.11T	0.47%	81.14%	114.29%	100.05%	201.80%
3	AAPL Apple Inc. NDXSPX	312.06	37.73	$4.58T	0.35%	68.72%	141.47%	1.81%	3.92%
4	MSFT Microsoft Corporation NDXSPXAI	450.24	26.82	$3.34T	0.81%	26.37%	34.01%	12.42%	11.87%
5	TSM Taiwan Semiconductor Manufacturing Company Limited AI	418.45	35.86	$2.17T	0.91%	32.04%	36.21%	18.94%	19.57%
6	MU Micron Technology, Inc. NDXSPXAI	971.00	45.87	$1.10T	0.06%	14.20%	39.82%	6.71%	-0.57%
7	AMD Advanced Micro Devices, Inc. NDXSPXAI	516.10	172.61	$841.55B	-	6.33%	8.06%	13.64%	48.64%
8	ORCL Oracle Corporation SPXAI	225.78	40.46	$649.35B	0.89%	13.07%	57.57%	10.59%	22.81%
9	ASML ASML Holding N.V. NDXAI	1,612.76	53.76	$621.59B	0.54%	43.81%	52.24%	15.55%	19.55%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	44.53M	47.62M	50.12M	51.70M	54.81M	58.57M	60.54M	67.18M	71.30M	77.65M	79.70M	86.84M	92.38M	97.58M	103.80M	108.99M	116.52M	123.57M	126.74M	134.07M	140.31M	144.75M	153.01M	154.53M	154.97M	165.51M	172.89M	175.02M	189.74M	195.15M	201.70M	208.22M	216.51M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	88.75M	90.58M	92.86M	92.94M	88.59M
Gross Profit	12.15M	12.88M	13.82M	15.95M	17.14M	18.71M	21.01M	21.76M	23.30M	24.30M	25.13M	27.83M	29.27M	30.40M	31.74M	34.11M	37.59M	39.26M	42.04M	39.27M	44.38M	46.44M	44.51M	53.20M	55.34M	57.01M	60.40M	62.89M	66.86M	73.30M	73.83M	74.13M	82.25M	86.83M	89.06M	100.99M	104.56M	108.84M	115.28M	127.91M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96.80M	94.98M	97.04M	96.98M	99.79M
Operating Income	-4.98M	-6.95M	-8.32M	-9.44M	-9.62M	-9.32M	-7.34M	-6.94M	-7.71M	-5.93M	-6.33M	-5.21M	-6.67M	-7.27M	-12.69M	-17.14M	-14.35M	-13.39M	-21.86M	-27.20M	-32.31M	-19.85M	-20.48M	-17.51M	-19.94M	-22.97M	-21.40M	-23.78M	-27.09M	-21.20M	-23.67M	-23.17M	-14.19M	-13.70M	-12.80M	4.20M	9.58M	11.81M	18.31M	28.13M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.50M	28.40M	30.10M	34.56M	42.70M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.53M	1.35M	1.28M	1.25M	1.21M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.24M	13.50M	15.21M	20.78M	29.75M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	487.00K	1.73M	160.00K	337.00K	3.11M
Net Income	-4.98M	-7.02M	-8.42M	-9.65M	-9.71M	-9.48M	-7.51M	-7.04M	-7.82M	-5.78M	-5.52M	-6.05M	-8.63M	-8.86M	-11.86M	-19.31M	-17.33M	-18.57M	-15.67M	-34.11M	-38.97M	-26.72M	-37.82M	-25.66M	-30.13M	-31.58M	-23.56M	-25.22M	-27.79M	-516.00K	-23.62M	-23.17M	-13.84M	-13.06M	-11.80M	4.75M	11.76M	15.05M	20.44M	26.64M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-0.76	-0.50	-	-0.46	-0.53	-0.56	-0.41	-0.44	-0.48	-0.01	-0.41	-0.40	-0.23	-0.22	-0.20	0.07	0.18	0.23	0.31	0.40
R&D Expense	4.80M	5.98M	6.61M	7.90M	7.83M	8.22M	8.51M	9.65M	9.92M	10.09M	10.67M	11.16M	11.76M	12.90M	15.52M	17.66M	19.12M	19.62M	19.88M	24.96M	23.64M	23.57M	25.21M	26.80M	29.43M	30.76M	31.13M	31.83M	33.10M	34.42M	34.10M	34.54M	34.86M	35.76M	36.90M	37.85M	36.91M	38.93M	-	41.88M

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	150.22M	193.98M	241.10M	315.48M	402.75M	-	565.67M	624.62M	696.46M	794.81M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	309.33M	321.97M	341.98M	365.13M
Gross Profit	15.93M	20.61M	33.08M	49.74M	72.80M	94.49M	119.25M	153.00M	174.60M	-	256.35M	302.65M	354.48M	429.68M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	346.73M	377.71M	389.12M	385.79M
Operating Income	-7.13M	-17.12M	-19.07M	-24.84M	-35.72M	-26.91M	-31.85M	-66.75M	-99.83M	-	-90.38M	-75.06M	-34.63M	43.89M
EBITDA	-	-	-	-	-	-	-	-	-	-	-37.74M	15.62M	42.89M	113.56M
Interest Expense	-	-	-	-	-	-	-	-	-	-	6.68M	5.73M	4.94M	5.41M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-106.08M	-61.82M	-30.86M	54.73M
Tax Provision	-	-	-	-	-	-	-	-	-	-	2.91M	3.56M	7.68M	2.72M
Net Income	-8.78M	-17.88M	-19.63M	-25.06M	-36.35M	-26.16M	-35.40M	-70.88M	-137.62M	-	-108.98M	-65.38M	-38.54M	52.01M
Diluted EPS	-	-	-	-	-	-	-	-1.53	-2.65	-	-1.90	-1.12	-0.64	0.80
R&D Expense	5.32M	9.03M	12.09M	21.53M	32.46M	40.34M	51.33M	76.27M	97.38M	116.95M	130.10M	137.33M	143.24M	154.33M

Compounded Sales Growth

5 Years:	12.00%
1 Year:	14.10%

Compounded Profit Growth

5 Years:	49.24%
1 Year:	471.40%

Stock Price Performance

1 Year:	-45.90%
6 Months:	-34.86%
3 Months:	-1.60%
1 Month:	-9.83%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	61.11M	136.81M	204.47M	200.98M	212.81M	463.72M	1.01B	1.42B	-	1.35B	1.20B	1.29B	1.28B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	531.08M	427.96M	558.66M	556.05M
Cash & Equivalents	15.36M	9.11M	18.68M	67.98M	67.05M	54.87M	57.96M	108.34M	100.09M	407.70M	-	199.60M	229.66M	358.56M	367.63M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	46.73M	42.90M	42.08M	51.72M
Total Liabilities	-	-	55.37M	57.87M	86.49M	100.75M	106.19M	304.82M	630.02M	773.34M	-	930.70M	752.95M	777.00M	614.47M
Current Liabilities	-	-	29.19M	32.40M	45.69M	59.21M	68.07M	73.68M	132.97M	145.83M	-	192.04M	191.56M	398.90M	544.09M
Long Term Debt	-	-	6.29M	0	-	-	-	-	-	-	551.60M	657.79M	490.46M	302.12M	-
Total Debt	-	-	-	-	-	-	-	-	-	-	-	733.34M	548.92M	542.99M	346.82M
Total Equity	-	-	-36.32M	78.94M	117.97M	100.23M	106.62M	158.90M	379.41M	643.36M	-	419.02M	448.48M	517.80M	661.81M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	57.73M	59.03M	60.73M	62.74M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-3.01M	-1.51M	-5.29M	5.40M	3.39M	9.47M	4.59M	567.00K	-2.94M	-	36.56M	70.29M	135.75M	201.46M
Investing Cash Flow	-2.61M	-11.31M	-26.73M	-58.42M	-16.51M	-16.94M	-171.29M	-483.25M	-124.16M	-	-165.56M	113.27M	-21.08M	-4.03M
Financing Cash Flow	-637.00K	22.38M	81.33M	52.09M	944.00K	11.56M	216.58M	476.09M	434.68M	-	5.88M	-152.01M	13.32M	-188.97M
Capital Expenditure	-1.80M	-11.14M	-5.04M	-7.13M	-14.35M	-12.31M	-13.29M	-13.86M	-23.71M	-	-30.05M	-30.64M	-29.03M	-28.09M
Free Cash Flow	-4.81M	-12.64M	-10.32M	-1.73M	-10.96M	-2.84M	-8.69M	-13.29M	-26.65M	-	6.50M	39.65M	106.72M	173.37M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-123.12M	31.55M	127.99M	8.46M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	0	0	5.00M

Ratios (Annual)

Figures in %.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	48.5%	48.7%	49.5%	48.5%	43.4%	-	45.3%	48.5%	50.9%	54.1%
Operating Margin %	-	-	-	-	-23.8%	-13.9%	-13.2%	-21.2%	-24.8%	-	-16.0%	-12.0%	-5.0%	5.5%
Net Margin %	-	-	-	-	-24.2%	-13.5%	-14.7%	-22.5%	-34.2%	-	-19.3%	-10.5%	-5.5%	6.5%
ROE %	-	49.2%	-24.9%	-21.2%	-36.3%	-24.5%	-22.3%	-18.7%	-21.4%	-	-26.0%	-14.6%	-7.4%	7.9%
ROCE %	-	-53.6%	-18.3%	-15.6%	-25.2%	-18.6%	-8.2%	-7.6%	-7.9%	-	-7.8%	-7.4%	-3.9%	6.0%

Shareholding Pattern

Insiders

0.83%

Institutions

105.15%

Public Float

106.04%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	16.03%	10.04M	$475.21M
2	Vanguard Portfolio Management LLC	7.76%	4.86M	$230.07M
3	Vanguard Capital Management LLC	4.31%	2.70M	$127.86M
4	State Street Corporation	3.99%	2.50M	$118.18M
5	Conestoga Capital Advisors, LLC	2.85%	1.78M	$84.41M
6	Tremblant Capital Group	2.72%	1.70M	$80.64M
7	Capital Research Global Investors	2.59%	1.62M	$76.73M
8	Geode Capital Management, LLC	2.38%	1.49M	$70.47M
9	Nomura Asset Management International Inc	1.97%	1.23M	$58.28M
10	Assenagon Asset Management S.A.	1.93%	1.21M	$57.31M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for QTWO

No recent headlines available.

QTWO · Technology

Q2 Holdings, Inc.

About

Key Facts

Sector	Technology
Industry	Software - Application
Headquarters	United States
Employees	2,548
Website	https://www.q2.com

Press Esc or click outside to close.

Explore More

📊 Technology Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All USA Stocks

Q2 Holdings, Inc. QTWO R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

Explore More