QTWO Stock Chart & Stats
$915.00
$0.00(0.00%)
At close: 4:00 PM EDT
$915.00
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$765.80 - $1,827.00
Previous CloseN/A
Volume0.00
Average Volume (3M)11.00
Market Cap
$67.13B
Enterprise Value$3.08K
Total Cash (Recent Filing)$106.42M
Total Debt (Recent Filing)$40.93M
Price to Earnings (P/E)42.9
Beta0.67
Next Earnings
Nov 11, 2026EPS Estimate
12.24Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.48
Shares Outstanding62,354,694
10 Day Avg. Volume0
30 Day Avg. Volume11
Financial Highlights & Ratios
PEG Ratio-0.37
Price to Book (P/B)6.78
Price to Sales (P/S)5.64
P/FCF Ratio23.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$1,263.08Price Target Upside38.04% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)50.44
Revenue Forecast (FY)$15.35B
Bulls Say, Bears Say
Bulls Say
Strong Free Cash FlowSustained free cash flow (~$203M TTM, Q2 FCF $51M) provides durable internal funding for product investment, buybacks and debt reduction. Reliable cash generation reduces refinancing risk, supports capital returns and funds AI/R&D without immediate reliance on external capital.
Improved Margins From Cloud MigrationCompletion of cloud migration and a larger subscription mix lifted gross margins (62.3% Q2), reflecting structurally higher-margin delivery. Higher gross margins enhance operating leverage, making future incremental revenue more profitable and supporting sustainable EBITDA margins.
High Recurring Revenue / ARR MomentumA subscription-heavy model (≈83% of revenue) and growing ARR ($971M) create predictable, sticky cash flows and strong revenue visibility. This recurring base supports durable unit economics, easier upsell across installed customers, and a scalable enterprise go-to-market motion.
Bears Say
AI Cost And Monetization UncertaintyAI initiatives introduce uncertain infrastructure and token expenses and unclear time-to-revenue. If model and routing decisions raise costs, AI offerings could dilute gross margins or require sustained investment before positive economics, pressuring near- to mid-term profitability.
Pressure In Professional ServicesFlat or pressured professional services reduce a historically variable revenue source that complements subscriptions. Weak services demand limits total revenue upside from implementations and can reduce incremental margins since services are typically lower margin and harder to scale predictably.
Growth Volatility And Tougher CompsManagement flagged tougher comps and a law-of-large-numbers effect, with only modest sequential growth. Sustaining double-digit subscription growth requires scaling large Tier-1 wins; execution shortfalls or slower enterprise adoption could cause medium-term revenue deceleration.
Q2 Holdings News
QTWO FAQ
What was Q2 Holdings’s price range in the past 12 months?
Q2 Holdings lowest stock price was $765.80 and its highest was $1827.00 in the past 12 months.
What is Q2 Holdings’s market cap?
Q2 Holdings’s market cap is $67.13B.
When is Q2 Holdings’s upcoming earnings report date?
Q2 Holdings’s upcoming earnings report date is Nov 11, 2026 which is in 92 days.
How were Q2 Holdings’s earnings last quarter?
Q2 Holdings released its earnings results on Jul 29, 2026. The company reported $11.995 earnings per share for the quarter, beating the consensus estimate of $11.704 by $0.291.
Is Q2 Holdings overvalued?
According to Wall Street analysts Q2 Holdings’s price is currently Undervalued.
Does Q2 Holdings pay dividends?
Q2 Holdings does not currently pay dividends.
What is Q2 Holdings’s EPS estimate?
Q2 Holdings’s EPS estimate is 12.24.
How many shares outstanding does Q2 Holdings have?
Q2 Holdings has 62,354,694 shares outstanding.
What happened to Q2 Holdings’s price movement after its last earnings report?
Q2 Holdings reported an EPS of $11.995 in its last earnings report, beating expectations of $11.704. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Q2 Holdings?
Currently, no hedge funds are holding shares in MX:QTWO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Q2 Holdings Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$1,263.08 (38.04% Upside)
$1,263.08 (38.04% Upside)
Blogger Sentiment
Neutral
MX:QTWO Sentiment 50%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $20.7M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-38.92%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-30.10%
Trailing 12-Months
Company Description
Q2 Holdings
Q2 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.
QTWO Company Deck
QTWO Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong execution: double-digit year-over-year revenue and ARR growth, record adjusted EBITDA and margin expansion, solid free cash flow and the retirement of convertible debt. Bookings momentum (including 8 Tier 1 wins), record customer engagement at CONNECT 26, and early AI product traction (Q2 Assistant, Q2 Code, account takeover) are notable positives. Headwinds include a large quarter-to-quarter cash decline driven by debt repayment and buybacks (though cash generation remained healthy), continued pressure in discretionary professional services/non-subscription revenue, higher R&D-driven operating expenses, and uncertainty around AI infrastructure/token costs and time-to-revenue. Overall, the positives (financial records, ARR/subscription strength, product momentum, and upgraded guidance) outweigh the risks, though execution on AI commercialization and continued control of costs will be important going forward.View all MX:QTWO earnings summariesQTWO Stock 12 Month Forecast
Average Price Target
$1,263.08
▲(38.04% Upside)