Q2 Holdings, Inc.

Q2 Holdings, Inc.

QTWO
Q2 Holdings, Inc.US flagNew York Stock Exchange
64.73
USD
-1.49
- -
4.04BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.78
2.7
2.92
3.79
4.71
5.63
6.83
7.74
8.84
9.87
10.7
11.59
12.79
13.55
Basic EPS, GAAP
-0.56
-0.67
-0.67
-0.92
-0.63
-0.83
-1.53
-2.65
-2
-1.9
-1.12
-0.64
0.84
1.47
Free Cash Flow per Basic Share
-0.4
-0.35
-0.05
-0.28
-0.07
-0.2
-0.29
-0.51
0.2
0.44
1.11
2.15
3.13
3.41
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
-1.15
2.28
3.03
2.48
2.54
3.65
7.84
11.58
10.02
7.26
7.6
8.53
10.55
10.32
Tangible Book Value per Share
-1.15
2.28
2.26
1.78
1.95
-0.28
-6.33
-0.07
-1.85
-4.15
-3.15
-1.48
1.12
0.92
Basic Weighted Avg Shares
32
29
37
40
41
43
46
52
56
57
58
60
62
62
Sales/Revenue/Turnover
57
79
109
150
194
241
315
403
499
566
625
696
795
846
Operating Margin (%)
-30.11
-24.1
-20.53
-19.58
-13.24
-11.49
-16.08
-21.38
-14.7
-15.98
-12.02
-4.97
5.52
10.44
Depreciation Expense
3
4
7
12
15
17
28
52
55
62
72
69
53
50
Net Income, GAAP
-18
-20
-25
-36
-26
-35
-71
-138
-113
-109
-65
-39
52
92
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4.96
5.61
Profit Margin (%)
-31.43
-24.81
-23.02
-24.2
-13.49
-14.68
-22.47
-34.17
-22.61
-19.27
-10.47
-5.53
6.54
10.87
Working Capital
5
72
88
66
63
145
53
470
354
339
236
160
12
-14
LT Debt
7
- -
- -
- -
- -
183
461
594
613
711
536
340
34
32
Total Equity
-35
79
118
100
107
159
379
643
570
419
448
518
662
643
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4.04
9.24
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
5.52
10.67
Return on Common Equity (%)
- -
- -
-25.46
-33.32
-25.3
-26.66
-26.33
-26.91
-18.58
-22.03
-15.07
-7.98
8.82
14.98

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
313
312
9
LT Borrowings
- -
- -
- -
LT Finance Leases
34
32
32
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
63
63
62
Market Capitalization
4,527
2,964
3,000

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
556
525
244
Cash, Cash Equivalents & STI
433
379
106
Accounts Receivable, Net
52
74
71
Inventories
- -
- -
- -
Total Current Liabilities
544
562
259
Payables & Accruals
44
36
39
ST Debt
313
312
9
Deferred Revenue
155
197
187

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
26.11%
2.48%
27.81%
Free Cash Flow
112.25%
57.27%
50.82%
Net Income, GAAP
-9.07%
-67.49%
-234.96%
Sales/Revenue/Turnover
22.32%
14.66%
14.12%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
166
173
175
183
696
2025
190
195
202
208
795
2026
217
220
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.23
-0.22
-0.2
- -
-0.64
2025
0.08
0.19
0.24
0.33
0.84
2026
0.43
0.48
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Matthew Flake
Full Time Employees
2,549
Sector
Technology
Industry
Software - Application
Address
10355 Pecan Park Boulevard Austin TX United States of America 78729
IPO Date
Mar 20, 2014
Website
q2.com
Business
Q2 Holdings, Inc. specializes in digital banking and lending solutions, offering a comprehensive suite of products including digital banking platforms, lending technologies, fraud prevention services, AI-powered banking tools, and customer engagement software. Its core offerings include digital banking and lending software platforms designed for banks, credit unions, and fintechs; advanced fraud detection and prevention solutions; AI-based digital experience enhancements such as AI copilots for account holders and service representatives; and developer tools like software development kits (SDKs) for enhanced customization and integration. The company operates primarily in the United States, serving financial institutions of varying sizes and segments from community banks to Tier 1 enterprises. Founded in 2004 and headquartered in Austin, Texas, Q2 also maintains strategic partnerships that expand its ecosystem, such as collaborations with Amazon Web Services for cloud and AI innovation, Agent IQ for digital relationship banking, Alloy for fraud management, and Open Payment Network to facilitate instant payment workflows. Recent major changes include the expansion of its partnership with Amazon Web Services, enhancing cloud-based security and generative AI capabilities; the strategic alliance with Agent IQ, enabling integrated personal digital engagement solutions for banks and credit unions; launching Q2 Instant Payments Manager integrated with Open Payment Network to support instant payment workflows; and unveiling AI-driven features showcased at its 2025 Dev Days customer conference, including an AI copilot and AI-assisted coding tools. The company also announced a new partner data strategy to unify integrations and drive agentic innovation on its platform. Financially, Q2 posted strong revenue and subscription growth in 2025, raising its full-year guidance with increasing adoption of its AI and fraud solutions. Additionally, leadership changes were made in late 2025 to align talent with long-term innovation goals, positioning the company for sustained growth and cutting-edge digital transformation in financial services.

Company News

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

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

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

  • Q2 Holdings, Inc. $QTWO Shares Acquired by Arrowstreet Capital Limited Partnership

  • Bank of New York Mellon Corp Sells 13,275 Shares of Q2 Holdings, Inc. $QTWO

  • Q2 Q2 Earnings Call Highlights

  • Q2 Holdings (QTWO) Tops Q2 Earnings and Revenue Estimates

  • Q2 Holdings, Inc. (QTWO) Q2 2026 Earnings Call Transcript

  • Q2 Holdings (QTWO) Reports Q2 Earnings: What Key Metrics Have to Say

  • Q2 Holdings, Inc. Announces Second Quarter 2026 Financial Results; Announced Additional $350 Million Share Repurchase Authorization

  • Is Q2 Holdings Inc (QTWO) a Bargain After 4.1% Drop? GF Value Says Undervalued

  • Q2 Holdings: The Selloff Has Gone Too Far

  • Q2 Holdings, Inc. Announces Investor Conference Call to Review Second Quarter 2026 Financial Results

  • Q2 Holdings (QTWO) Surges 8.8%: Is This an Indication of Further Gains?

  • Einride Appoints Seasoned Public Company Board Director and Financial Executive R. Lynn Atchison to Its Board of Directors

  • A+ Federal Credit Union Receives 2026 Q2 Excellence Award for Fintech Collaboration

  • A+ Federal Credit Union Receives 2026 Q2 Excellence Award for Fintech Collaboration

  • nbkc bank Named Bank of the Year in Q2 Excellence Awards for 2026

  • Q2 Announces 2026 Excellence Award Recipients

  • Q2 Launches Q2 Assistant, Embedding AI Agents Across Banking Operations