
Q2 Holdings, Inc.
QTWONYSETechnologySoftware - Application
Previous close
$63.91
+$0.09 · +0.14%
QTWO company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
75
Undervalued
Momentum
39
Weakening
Sentiment
73
Bullish
Risk resilience
35
High Risk
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Company profile
Company websiteQ2 Holdings, Inc. provides a comprehensive array of cloud-based digital banking platforms, primarily serving regional and community financial institutions (RCFIs) across the United States. Its extensive product lineup covers various facets of digital finance. For consumers, the company offers Q2 Consumer Banking, a browser-accessible solution featuring fully branded digital banking capabilities. Businesses, both small and commercial, can utilize Q2 Small Business and Commercial, a dedicated digital banking platform optimized for mobile and tablet devices. Furthermore, Q2mobile Remote Deposit Capture streamlines the process of depositing checks remotely. Beyond core banking functionality, Q2 also delivers specialized solutions. These include Q2 Sentinel for advanced security analytics and Q2 Patrol, an event-driven validation product. To enhance customer engagement, Q2 provides the SMART platform for targeting and messaging. Q2 CardSwap facilitates automatic updates of payment information for account holders receiving new cards, while Q2 Gro serves as a versatile platform for digital account opening, sales, and marketing. For bill payments, there's Q2 Biller Direct, and ClickSWITCH empowers financial institutions to manage and redirect direct deposits for end-users. The company's portfolio extends to robust risk and transaction management tools under the Centrix brand: a Dispute Tracking System for electronic transaction dispute resolution, a Payments I.Q. System for monitoring ACH files and reporting on risks, and an Exact/Transaction Management System designed for fraud prevention. Developers are also supported by the Q2 Caliper Software Development Kit. Enhancing personal financial management, Q2 Contextual PFM allows users to integrate and view both external and internal accounts directly on their digital banking homepage. Q2 Goals assists users in establishing and progressing towards specific savings objectives. Lending and leasing operations are supported by Q2 Cloud Lending, a digital platform, and PrecisionLender, a cloud-native, data-driven solution for sales enablement, pricing, and portfolio management. Additionally, Q2 BaaS offers a suite of open API financial services. Founded in 2004 and headquartered in Austin, Texas, the company originally operated as CBG Holdings, Inc. before changing its name to Q2 Holdings, Inc. in March 2013.
- Industry
- Software - Application
- Sector
- Technology
- Headquarters
- US
- CEO
- Matthew Flake
- Listed since
- Mar 20, 2014
- Employees
- 2,549
Market position
Day range
Current $63.91
52-week range
Current $63.91
- Open
- $63.215
- Previous close
- $63.82
- Volume
- 525.38K
- 0.6× average
- Average volume
- 877.35K
- Average daily volume
- Market cap
- 3.99B USD
- Beta
- 1.33
- Market reference 1
- 50-day average
- $54.767
- +16.69% above average
- 200-day average
- $57.137
- +11.85% above average
Financials
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 794.81M USD | 696.46M USD | 624.62M USD | 565.67M USD | 498.72M USD |
| Cost of goods sold | 365.22M USD | 341.98M USD | 321.97M USD | 309.33M USD | 273.69M USD |
| Gross profit | 429.59M USD | 354.48M USD | 302.65M USD | 256.35M USD | 225.04M USD |
| Research and development | 154.33M USD | 143.24M USD | 137.33M USD | 130.1M USD | 116.95M USD |
| Selling, general, and administrative | 231.37M USD | 228.89M USD | 219.71M USD | 198.38M USD | 163.48M USD |
| Operating expenses | 383.95M USD | 396.74M USD | 388.71M USD | 361.11M USD | 303.03M USD |
| Interest income | 20.24M USD | 16.34M USD | 10.1M USD | 5.36M USD | 1.48M USD |
| Interest expense | 5.41M USD | 4.94M USD | 5.73M USD | 6.68M USD | 33.07M USD |
| Depreciation and amortization | 69.42M USD | 68.81M USD | 85.11M USD | 61.66M USD | 54.83M USD |
| Operating income | 45.64M USD | −42.26M USD | −86.06M USD | −104.76M USD | −78M USD |
| Net income | 52.01M USD | −38.54M USD | −65.38M USD | −108.98M USD | −112.75M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 55%
- 6 beats, 4 misses, 1 met estimate
- Average EPS surprise
- -1.79%
- 11 comparable reports
- Latest EPS result
- 0.7
- Estimate 0.68 · Beat by 2.49%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$70.00
9.53% upsideRating distribution
32 ratingsQTWO peers
ETFs holding QTWO
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR245.18M0.22%111.19B USD0.06%$147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI115.43M0.01%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM103.18M0.13%81.62B USD0.19%$299.96+0.77%
Vanguard Information Technology ETFVGT94.22M0.06%160.2B USD0.09%$118.42+0.05%
Vanguard Morningstar Small-Cap ETFVB83.29M0.04%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK48.48M0.11%43.8B USD0.05%$358.65+0.70%
Vanguard Extended Market ETFVXF43.89M0.05%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Growth ETFIWO37.69M0.25%15.16B USD0.24%$387.37+1.24%
iShares Core S&P Small-Cap ETFIJR- Market value
- 245.18M
- Weight
- 0.22%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 115.43M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 103.18M
- Weight
- 0.13%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Information Technology ETFVGT- Market value
- 94.22M
- Weight
- 0.06%
- AUM
- 160.2B USD
- Expense ratio
- 0.09%
- Price / 1D
- $118.42+0.05%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 83.29M
- Weight
- 0.04%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK- Market value
- 48.48M
- Weight
- 0.11%
- AUM
- 43.8B USD
- Expense ratio
- 0.05%
- Price / 1D
- $358.65+0.70%
Vanguard Extended Market ETFVXF- Market value
- 43.89M
- Weight
- 0.05%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Growth ETFIWO- Market value
- 37.69M
- Weight
- 0.25%
- AUM
- 15.16B USD
- Expense ratio
- 0.24%
- Price / 1D
- $387.37+1.24%
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