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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)684.10K
Market Cap
$4.23B
Enterprise Value$3.44B
Total Cash (Recent Filing)$122.99M
Total Debt (Recent Filing)$38.89M
Price to Earnings (P/E)38.4
Beta1.21
Next Earnings
Feb 17, 2027EPS Estimate
0.74Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.77
Shares Outstanding62,354,694
10 Day Avg. Volume796,397
30 Day Avg. Volume684,102
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 Cap0.81
Enterprise Value/Revenue3.95
Enterprise Value/Gross Profit6.76
Enterprise Value/Ebitda20.70
Forecast
1Y Price Target
$77.91Price Target Upside19.88% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering12
EPS Forecast (FY)2.89
Revenue Forecast (FY)$885.04M
Bulls Say, Bears Say
Bulls Say
Recurring Subscription GrowthA growing subscription mix improves revenue visibility and makes customer relationships more valuable over time. Double-digit subscription ARR growth, supported by new go-lives and existing-customer expansion, provides a durable foundation for continued revenue growth and operating leverage.
Cash Generation And Debt ReductionStrong and consistently positive free cash flow gives Q2 greater flexibility to fund product development, pursue opportunities, and return capital without relying heavily on external financing. The debt-free balance sheet also reduces financial risk and supports resilience through changing conditions.
Contracted Demand And Customer ExpansionBacklog growth provides multi-period visibility into future revenue and indicates that demand extends beyond isolated customer wins. Contributions from new, expansion, and renewal bookings also show that Q2 can deepen relationships while broadening adoption across larger financial institutions.
Bears Say
Revenue Growth DecelerationSlower top-line growth means Q2 increasingly depends on margin expansion, retention, and successful product adoption to increase earnings. If customer additions or expansion moderate further, the company may have less operating leverage and a narrower path to sustaining strong overall growth.
Nonsubscription Revenue PressureWeakness in discretionary services creates a drag on consolidated growth and makes the revenue mix more dependent on subscription execution. Because professional-services timing and customer discretion affect this stream, it may remain a recurring source of variability even as the core platform expands.
Unproven AI Economics At ScaleAI products could expand Q2’s addressable market, but uncertain compute costs and pricing economics create execution risk as adoption broadens. Early-adopter results may not represent scaled performance, so future investment could produce less margin contribution than expected until commercial economics are validated.
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 $76.24 in the past 12 months.
What is Q2 Holdings’s market cap?
Q2 Holdings’s market cap is $4.23B.
When is Q2 Holdings’s upcoming earnings report date?
Q2 Holdings’s upcoming earnings report date is Feb 17, 2027 which is in 110 days.
How were Q2 Holdings’s earnings last quarter?
Q2 Holdings released its earnings results on Oct 28, 2026. The company reported $0.74 earnings per share for the quarter, beating the consensus estimate of $0.715 by $0.025.
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 0.74.
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 $0.74 in its last earnings report, beating expectations of $0.715. Following the earnings report the stock price went same N/A.
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:
$77.91 (19.88% Upside)
$77.91 (19.88% Upside)
Blogger Sentiment
Bullish
QTWO Sentiment 63%
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
Very Negative
Last 7 Days ▼ 5.5%
Last 30 Days ▼ 3.0%
Last 30 Days ▼ 3.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.53%
12-Months-Change
Fundamentals
Return on Equity
17.11%
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
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive. Q2 delivered revenue and adjusted EBITDA above guidance, record gross margin and adjusted EBITDA, substantial year-over-year free cash flow growth, raised 2026 guidance, and reiterated a favorable 2027 framework. Bookings, renewals, credit union wins, fraud, relationship pricing, Innovation Studio, and AI engagement were all described positively. The main qualifications were pressure in discretionary nonsubscription services, higher planned investment affecting fourth-quarter profitability, uncertain AI economics at scale, and slow Helix fintech-market traction.View all QTWO earnings summariesQTWO Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$77.91
▲(19.88% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
3.21% Insiders
40.66% Mutual Funds
1.89% Other Institutional Investors
23.56% Public Companies and
Individual Investors







