Q2 Holdings, Inc. QTWO R2KR3KTECH
Company Overview
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.
Why Investors Should Care
Revenue has grown at a 25.6% CAGR over the past five years.
Carries low leverage with a debt-to-equity ratio of 0.06.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $794.81M (+14.1% YoY); net profit $52.01M.
- Trailing 12 Months Year-on-year growth — revenue +12.6%, earnings +156.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 25.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 25.59% |
| 1 Year: | 12.60% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 156.50% |
Stock Price Performance
| 1 Year: | -18.67% |
| 6 Months: | +17.56% |
| 3 Months: | +35.92% |
| 1 Month: | -1.96% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- Golden Cross5d ago
- RSI (14)48.59 · Neutral
P/E of 43.75 is above the sector median of 32.42 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 25.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading 26.2% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KR3KTECH | 62.13 | 43.75 | $3.87B | 0.00% | 5.45% | 14.98% | 25.59% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | 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 | Jun 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 | 219.76M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 88.75M | 90.58M | 92.86M | 92.94M | 88.59M | - |
| Gross Profit | 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 | 130.20M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 96.80M | 94.98M | 97.04M | 96.98M | 99.79M | - |
| Operating Income | -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 | 29.34M |
| 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 | -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 | 29.86M |
| 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 | 0.46 |
| R&D Expense | 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 | 41.12M |
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 | 41.10M | 56.87M | 79.13M | 108.87M | 150.22M | 193.98M | 241.10M | 315.48M | 402.75M | 498.72M | 565.67M | 624.62M | 696.46M | 794.81M |
| Gross Profit | 15.93M | 20.61M | 33.08M | 49.74M | 72.80M | 94.49M | 119.25M | 153.00M | 174.60M | 225.03M | 256.35M | 302.65M | 354.48M | 429.68M |
| Operating Income | -7.13M | -17.12M | -19.07M | -24.84M | -35.72M | -26.91M | -31.85M | -66.75M | -99.83M | -78.00M | -104.76M | -86.06M | -42.26M | 39.90M |
| Net Income | -8.78M | -17.88M | -19.63M | -25.06M | -36.35M | -26.16M | -35.40M | -70.88M | -137.62M | -112.75M | -108.98M | -65.38M | -38.54M | 52.01M |
| Diluted EPS | - | - | - | - | - | - | - | -1.53 | -2.65 | -2.00 | -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 |
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 | -11.25M | -18.98M | -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 | 31.09M | 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 | -65.13M | -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 | -51.16M | 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 | -19.75M | -11.14M | -5.67M | -6.69M | -6.81M |
| Free Cash Flow | -4.81M | -12.64M | -10.32M | -1.73M | -10.96M | -2.84M | -8.69M | -13.29M | -26.65M | 11.34M | 25.41M | 64.62M | 129.06M | 194.65M |
| 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 % | 38.8% | 36.2% | 41.8% | 45.7% | 48.5% | 48.7% | 49.5% | 48.5% | 43.4% | 45.1% | 45.3% | 48.5% | 50.9% | 54.1% |
| Operating Margin % | -17.3% | -30.1% | -24.1% | -22.8% | -23.8% | -13.9% | -13.2% | -21.2% | -24.8% | -15.6% | -18.5% | -13.8% | -6.1% | 5.0% |
| Net Margin % | -21.4% | -31.4% | -24.8% | -23.0% | -24.2% | -13.5% | -14.7% | -22.5% | -34.2% | -22.6% | -19.3% | -10.5% | -5.5% | 6.5% |
| ROE % | 46.3% | 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% | - | -9.0% | -8.5% | -4.7% | 5.4% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 16.73% | 10.43M | $679.43M |
| 2 | Vanguard Portfolio Management LLC | 7.97% | 4.97M | $323.69M |
| 3 | Vanguard Capital Management LLC | 4.36% | 2.72M | $177.04M |
| 4 | State Street Corporation | 4.22% | 2.63M | $171.31M |
| 5 | Tremblant Capital Group | 2.95% | 1.84M | $119.98M |
| 6 | Millennium Management Llc | 2.90% | 1.81M | $117.72M |
| 7 | Nomura Asset Management International Inc | 2.62% | 1.63M | $106.38M |
| 8 | Geode Capital Management, LLC | 2.54% | 1.59M | $103.29M |
| 9 | Capital Research Global Investors | 2.37% | 1.48M | $96.39M |
| 10 | Victory Capital Management Inc. | 2.30% | 1.43M | $93.34M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for QTWO
Wellington Management Group LLP Grows Stock Holdings in Q2 Holdings, Inc. $QTWO - marketbeat.com
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What Is Drawing Attention To Q2 Holdings (QTWO) Today? - Yahoo Finance
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Time To Buy The Dip In Q2 Stock? - Trefis
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Q2 Holdings (QTWO) Stock Could Be Below Fair Value Today - simplywall.st
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1 Cash-Heavy Stock to Target This Week and 2 That Underwhelm - The Globe and Mail
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$QTWO stock is up 4% today. Here's what we see in our data. - quiverquant.com
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QTWO — Frequently Asked Questions
What is the current share price of Q2 Holdings, Inc. (QTWO)?
As of 2026-09-07 16:24 PDT, Q2 Holdings, Inc. (QTWO) trades at $62.13 on NYSE. Its 52-week range is $42.09 to $84.24.
What is the market capitalisation of QTWO?
Q2 Holdings, Inc. (QTWO) has a market capitalisation of $3.87B on NYSE.
What is the P/E ratio of QTWO?
QTWO trades at a trailing price-to-earnings (P/E) ratio of 43.75. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 6.09.
What is the return on equity (ROE) of QTWO?
QTWO has a return on equity (ROE) of 14.98%. Its return on capital employed (ROCE) is 5.45%.
Is QTWO a good stock to buy?
This page provides a data-driven analysis of Q2 Holdings, Inc. (QTWO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.