Q2 Holdings/$QTWO
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About Q2 Holdings
Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.
Ticker
$QTWO
Sector
Software & Cloud Services
Primary listing
NYSE
Employees
2,477
Headquarters
Website
Q2 Holdings Metrics
BasicAdvanced
$3.9B
850.14
$0.07
1.47
-
Price and volume
Market cap
$3.9B
Beta
1.47
52-week high
$110.00
52-week low
$58.57
Average daily volume
1M
Financial strength
Current ratio
0.901
Quick ratio
0.82
Long term debt to equity
6.251
Total debt to equity
92.297
Interest coverage (TTM)
-1.27%
Profitability
EBITDA (TTM)
38.319
Gross margin (TTM)
52.62%
Net profit margin (TTM)
0.66%
Operating margin (TTM)
-0.08%
Effective tax rate (TTM)
56.14%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
-0.03%
Return on equity (TTM)
0.92%
Valuation
Price to earnings (TTM)
850.136
Price to revenue (TTM)
5.149
Price to book
6.69
Price to tangible book (TTM)
-255.47
Price to free cash flow (TTM)
25.254
Free cash flow yield (TTM)
3.96%
Free cash flow per share (TTM)
2.479
Growth
Revenue change (TTM)
13.34%
Earnings per share change (TTM)
-106.40%
3-year revenue growth (CAGR)
11.71%
10-year revenue growth (CAGR)
23.02%
3-year earnings per share growth (CAGR)
-65.90%
10-year earnings per share growth (CAGR)
-18.02%
What the Analysts think about Q2 Holdings
Analyst ratings (Buy, Hold, Sell) for Q2 Holdings stock.
Bulls say / Bears say
Q2 Holdings delivered first-quarter 2025 revenue of $189.7 million, up 15% year-over-year, surpassing both its guidance range of $184 million–$188 million and analysts’ consensus estimates.
In Q2 2025, Q2 achieved a GAAP net income of $11.8 million versus a $13.1 million loss in Q2 2024, while adjusted EBITDA rose 53% year-over-year to $45.8 million, lifting margins to 23.5%.
Subscription Annualized Recurring Revenue reached $716 million (up 13%), and the company’s Remaining Performance Obligations backlog grew 21% year-over-year to $2.4 billion, underpinning strong future revenue visibility
Intense competition from established core processing vendors like Fiserv, Jack Henry & Associates, and point-solution providers such as Alkami and nCino could pressure Q2’s pricing power and market share in digital banking platforms.
Q2 faces a substantial convertible debt burden, with the 2026 Notes’ principal at $303.995 million and the 2025 Notes at $191 million due by 2026, against $532 million in cash, creating potential liquidity pressure and dilution risk.
Over 70% of Q2’s revenue is derived from regional and community financial institutions, a segment vulnerable to economic downturns and tighter regulatory scrutiny which could curtail IT spending on digital banking upgrades
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2025.
Q2 Holdings Financial Performance
Revenues and expenses
Q2 Holdings Earnings Performance
Company profitability
Q2 Holdings News
AllArticlesVideos
Q2 Holdings, Inc. Announces Investor Conference Call to Review Third Quarter 2025 Financial Results
Business Wire2 weeks ago
Q2 Holdings, Inc. to Attend Upcoming Conference During Fourth Quarter 2025
Business Wire4 weeks ago
Q2's AI-Driven Enhanced Payee Match Detects 3x More Suspected Fraud For Customers In Its First Year
Business Wire2 months ago
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Q2 Holdings stock?
Q2 Holdings (QTWO) has a market cap of $3.9B as of November 05, 2025.
What is the P/E ratio for Q2 Holdings stock?
The price to earnings (P/E) ratio for Q2 Holdings (QTWO) stock is 850.14 as of November 05, 2025.
Does Q2 Holdings stock pay dividends?
No, Q2 Holdings (QTWO) stock does not pay dividends to its shareholders as of November 05, 2025.
When is the next Q2 Holdings dividend payment date?
Q2 Holdings (QTWO) stock does not pay dividends to its shareholders.
What is the beta indicator for Q2 Holdings?
Q2 Holdings (QTWO) has a beta rating of 1.47. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.