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QTWO

Q2 Holdings, Inc.

QTWO

NYSE·Technology·Software - Application·Mkt cap $3.1B

$52.63

+4.84%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$40.79 - $95.10

P/E

45.77

Fwd P/E

18.87

Beta

1.34

Div Yield

0.00%

Avg Vol

837.6K

Shares Out

62.4M

Mkt Cap

$3.1B

Price action

Price chart

Down 45.6% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

6 reasons

  • Deep specialization in regional and community bank market with 1,000+ financial institution clients
  • Comprehensive integrated platform reducing need for multiple vendors and integration complexity
  • Cloud-native architecture enabling rapid deployment, scalability, and continuous innovation
  • Strong switching costs through embedded workflows and customer relationships
  • Advanced security and fraud prevention capabilities built into core platform
  • Open API ecosystem supporting third-party integrations and fintech partnerships

Bear Case

1 risk

  • Average volatility.

Growth

Stable outlook

Digital transformation acceleration among regional and community financial institutions

Value

Fairly valued vs Financial Data & Infrastructure peers

Momentum

Strong

+5.2% over 3m

Quality

Strong

Excellent business quality

Dividend

None

No dividend

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 29, 2026

Q2 26 RECAP

APR 29, 2026

Reported EPS of $0.63 vs $0.71 consensus (-11.3% surprise). Revenue of $216.5M vs $214.4M expected (+1.0%).

EPS miss
Rev beat +1.0%

EPS surprise · last 4Q

0 of 1 beats

Q2 26

-11.3%

Next: Jul 29, 2026

Revenue trend · last 8Q

+13%

+15%

+13%

+15%

+14%

+14%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$172.9M

$175.0M

$183.0M

$189.7M

$195.1M

$201.7M

$208.2M

$216.5M

Margins · last 8Q

Gross

Operating

Profit

12.3%

Wall Street consensus

7 analysts · 86% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

6

86%

Hold

1

14%

Sell

0%

Median Price Target

$72.00

+36.8% vs $52.63

Low $63.00
Median $72.00
High $77.00

Latest: DA Davidson · May 4, 2026

4 analysts covering

vs Industry

How QTWO stacks vs Software - Application

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.