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QTWO Stock Chart & Stats
$51.81
$0.50(0.51%)
At close: 4:00 PM EST
$51.81
$0.50(0.51%)
Day’s Range― - ―
52-Week Range$40.79 - $92.66
Previous CloseN/A
Volume93.90K
Average Volume (3M)744.62K
Market Cap
$3.43B
Enterprise Value$3.16K
Total Cash (Recent Filing)$342.33M
Total Debt (Recent Filing)$343.90M
Price to Earnings (P/E)46.1
Beta1.25
Next Earnings
Jul 29, 2026EPS Estimate
0.69Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.19
Shares Outstanding62,600,420
10 Day Avg. Volume631,704
30 Day Avg. Volume744,619
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$70.42Price Target Upside35.91% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering14
EPS Forecast (FY)2.81
Revenue Forecast (FY)$879.90M
Bulls Say, Bears Say
Bulls Say
High Recurring Subscription Mix & ARR GrowthA large and growing subscription base (83% of revenue) and expanding ARR ($945M, +12% YoY) strengthen predictable, recurring cash flows. This durable revenue mix supports margin stability, easier forecasting, and higher lifetime value per customer, reducing sensitivity to quarter-to-quarter deal timing.
Sustained Gross Margin Uplift From Cloud MigrationCompletion of the cloud migration materially raised gross margins to ~62% and management expects this level to persist through 2026. Higher baseline gross margins improve operating leverage, making incremental ARR more profitable and supporting durable EBITDA margin expansion as revenue scales.
Strong Free Cash Flow And ConversionConsistently strong operating and free cash flow with high conversion (FCF ~91% of net income TTM) provides financial flexibility for buybacks, investment, and debt paydown. Durable cash generation reduces refinancing risk and supports reinvestment into product and sales motion over the medium term.
Bears Say
Timing Risk On Large Deal ImplementationsLarge enterprise wins can be back‑loaded by lengthy implementations, meaning bookings may not convert to recognized revenue for many quarters. This structural timing mismatch creates execution risk for near-term growth targets and makes FY revenue sensitive to implementation throughput and professional services capacity.
Non-subscription Revenue SoftnessPersistent weakness in services and other non-subscription revenue reduces upside from higher-margin implementation and professional services. If non-subscription channels remain muted, total revenue growth depends more heavily on subscription expansion, concentrating execution risk on upsells and new platform adoption.
Absolute Leverage Remains SizableAlthough leverage ratios improved, the company's absolute debt stock (~$344M) is meaningful and could limit flexibility if revenue growth decelerates or margins compress. In stressed scenarios, servicing or refinancing this debt could constrain investments or force tougher capital-allocation choices.
Q2 Holdings News
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 $92.66 in the past 12 months.
What is Q2 Holdings’s market cap?
Q2 Holdings’s market cap is $3.43B.
When is Q2 Holdings’s upcoming earnings report date?
Q2 Holdings’s upcoming earnings report date is Jul 29, 2026 which is in 8 days.
How were Q2 Holdings’s earnings last quarter?
Q2 Holdings released its earnings results on Apr 29, 2026. The company reported $0.63 earnings per share for the quarter, missing the consensus estimate of $0.707 by -$0.077.
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 0.69.
How many shares outstanding does Q2 Holdings have?
Q2 Holdings has 62,600,420 shares outstanding.
What happened to Q2 Holdings’s price movement after its last earnings report?
Q2 Holdings reported an EPS of $0.63 in its last earnings report, missing expectations of $0.707. Following the earnings report the stock price went down -3.352%.
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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$70.42 (35.91% Upside)
$70.42 (35.91% Upside)
Blogger Sentiment
Bullish
QTWO Sentiment 70%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Decreased
By 100.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 3.3%
Last 30 Days ▲ 3.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-40.00%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-7.67%
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 Stock 12 Month Forecast
Average Price Target
$70.42
▲(35.91% Upside)
Technical Analysis
Ownership Overview
3.34% Insiders
38.02% Mutual Funds
2.57% Other Institutional Investors
26.46% Public Companies and
Individual Investors