Q2 Holdings, Inc.

Q2 Holdings, Inc.

73.92
USD
-1.70
(-2.25%)
1.66EPS
31.39P/E
3.43BMarket Cap
Feb 17Next Earn
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
13.95
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
1.77
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
3.74
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
10.65
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
1.19
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
870
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
12.85
Depreciation Expense
3
4
7
12
15
17
28
52
55
62
72
69
53
49
Net Income, GAAP
-18
-20
-25
-36
-26
-35
-71
-138
-113
-109
-65
-39
52
110
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
4.96
5.51
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
12.66
Working Capital
5
72
88
66
63
145
53
470
354
339
236
160
12
4
LT Debt
7
- -
- -
- -
- -
183
461
594
613
711
536
340
34
30
Total Equity
-35
79
118
100
107
159
379
643
570
419
448
518
662
658
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
3.68
10.99
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
5.52
12.26
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
17.2

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
312
9
8
LT Borrowings
- -
- -
- -
LT Finance Leases
32
32
30
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
63
62
62
Market Capitalization
2,964
3,000
3,425

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
525
244
283
Cash, Cash Equivalents & STI
379
106
123
Accounts Receivable, Net
74
71
94
Inventories
- -
- -
- -
Total Current Liabilities
562
259
279
Payables & Accruals
36
39
47
ST Debt
312
9
8
Deferred Revenue
197
187
198

Growth Rates

USD

•

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

USD

•

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
226
- -
- -

Quarterly Earnings Per Share

USD

•

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
0.53
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

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

Company Description

CEO
Matthew P. Flake
Full Time Employees
2,549
Sector
Technology services
Industry
Information technology services
Address
10355 Pecan Park Boulevard Austin TX United States 78729
IPO Date
Mar 19, 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

  • Q2 Becomes First Digital Banking Provider with AIUC-1 Certified AI Capabilities

  • Q2 Holdings, Inc. $QTWO Holdings Reduced by Apollon Wealth Management LLC

  • Q2 Eyes Personal AI Agents as Banking's Next Channel—and Fraud Frontier

  • Q2 Holdings: Backlog Slowdown And Unfavorable New Co-CEO Structure

  • Q2 Holdings: 3 Key Takeaways for Long-Term Investors

  • Q2 Holdings: Turning Positive After Third Quarter Beat-And-Raise (Upgrade)

  • Q2 Q3 Earnings Call Highlights

  • Q2 Holdings, Inc. (QTWO) Q3 2026 Earnings Call Transcript

  • Q2 Holdings (QTWO) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Q2 Holdings (QTWO) Q3 Earnings and Revenues Beat Estimates

  • Q2 Holdings, Inc. Announces Third Quarter 2026 Financial Results; Appoints Jonathan Price as co-CEO

  • Q2 Holdings Appoints Jonathan Price as Co-Chief Executive Officer

  • Q2 Holdings, Inc. (QTWO) Discusses Personal AI Agents and Digital Banking Transcript

  • Q2 Holdings, Inc. Presents: Agentic Banking & the Fraud Advantage – A Conversation with Q2's CTO & COO | Investor Briefing

  • 32,400 Shares in Q2 Holdings, Inc. $QTWO Purchased by Cantor Fitzgerald Investment Advisors L.P.

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

  • Q2 Releases New Fraud Intelligence Report on Account Takeover Signals

  • Critical Contrast: Q2 (NYSE:QTWO) versus Cango (NYSE:CANG)

  • Engineers Gate Manager LP Lowers Stock Holdings in Q2 Holdings, Inc. $QTWO

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