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QTWO Stock Chart & Stats
$64.99
$1.73(3.27%)
At close: 4:00 PM EDT
$64.99
$1.73(3.27%)
Day’s Range― - ―
52-Week Range$40.79 - $76.24
Previous CloseN/A
Volume732.62K
Average Volume (3M)626.59K
Market Cap
$4.11B
Enterprise Value$3.08B
Total Cash (Recent Filing)$106.42M
Total Debt (Recent Filing)$40.93M
Price to Earnings (P/E)44.9
Beta1.22
Next Earnings
Oct 28, 2026EPS Estimate
0.72Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.48
Shares Outstanding62,354,694
10 Day Avg. Volume595,014
30 Day Avg. Volume626,589
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 Cap0.75
Enterprise Value/Revenue3.64
Enterprise Value/Gross Profit6.38
Enterprise Value/Ebitda20.70
Forecast
1Y Price Target
$76.09Price Target Upside17.08% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering12
EPS Forecast (FY)2.9
Revenue Forecast (FY)$885.04M
Bulls Say, Bears Say
Bulls Say
Recurring Subscription And ARR MomentumThe high subscription mix and double-digit ARR growth support recurring, predictable revenue from long-term financial-institution relationships. Continued expansion in subscription adoption can improve retention, cross-selling, and revenue visibility while reducing reliance on implementation or discretionary services.
Improving Profitability And Cash GenerationProfitability and cash generation have strengthened materially, indicating operating leverage as Q2 scales its SaaS platform. Higher gross and EBITDA margins provide more internally generated funding for product investment, debt reduction, and shareholder returns without depending as heavily on external capital.
Strong Enterprise Demand And BacklogLarge financial-institution wins and expanding backlog indicate sustained demand for Q2’s digital banking, lending, and fraud solutions. A growing contracted opportunity base supports future revenue conversion and reinforces the company’s position as a strategic technology provider to enterprise customers.
Bears Say
Pressure In Professional Services RevenueWeakness in discretionary professional services limits the contribution from non-subscription activities and can make total growth less balanced. Continued pressure may reduce implementation-related revenue, constrain operating leverage in that area, and leave results more dependent on subscription expansion.
Uncertain Economics Of AI ProductsQ2’s AI initiatives may expand its product opportunity, but early adoption and unquantified monetization create execution risk over the next several quarters. Infrastructure and token costs could rise before revenue scales, making the eventual margin contribution and return on investment uncertain.
Higher Operating Expenses And Moderating GrowthHigher R&D spending is supporting product and AI investment, but it can pressure margins if revenue growth does not accelerate sufficiently. Tougher comparisons and a moderated growth trajectory raise the burden on management to convert investment into durable demand and efficient earnings growth.
QTWO FAQ
What was Q2 Holdings’s price range in the past 12 months?
Q2 Holdings lowest stock price was $40.79 and its highest was $76.24 in the past 12 months.
What is Q2 Holdings’s market cap?
Q2 Holdings’s market cap is $4.11B.
When is Q2 Holdings’s upcoming earnings report date?
Q2 Holdings’s upcoming earnings report date is Oct 28, 2026 which is in 5 days.
How were Q2 Holdings’s earnings last quarter?
Q2 Holdings released its earnings results on Jul 29, 2026. The company reported $0.7 earnings per share for the quarter, beating the consensus estimate of $0.683 by $0.017.
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 0.72.
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 $0.7 in its last earnings report, beating expectations of $0.683. Following the earnings report the stock price went down -2.234%.
Which hedge fund is a major shareholder of Q2 Holdings?
Currently, no hedge funds are holding shares in 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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$76.09 (17.08% Upside)
$76.09 (17.08% Upside)
Blogger Sentiment
Neutral
QTWO Sentiment 57%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Increased
By 188.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $38.8K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 3.9%
Last 30 Days ▲ 3.9%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.87%
12-Months-Change
Fundamentals
Return on Equity
14.49%
Trailing 12-Months
Asset Growth
-30.10%
Trailing 12-Months
Learn more about TipRanks Smart Score
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 QTWO earnings summariesQTWO Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$76.09
▲(17.08% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
3.21% Insiders
38.17% Mutual Funds
1.17% Other Institutional Investors
26.81% Public Companies and
Individual Investors









