Q2 (QTWO) Financials: Revenue & Earnings

QTWO price $65.58 -2.33 -3.44%

Ticker
QTWO
Price
$65.58
Change
-2.33 -3.44%
Market cap ?
$4.09B
P/E ?
38.37
Forward P/E ?
22.68
Dividend yield ?
0.00%
Beta ?
1.34
Sector
Technology
Industry
Software - Application
Stocklytics score
58
Value
45
Quality
66
Growth
63

Stocklytics score rationale: value 45, quality 66, growth 63.

Financials

2016201720182019202020212022202320242025
150224000193978000241100000315484000402751000498720000565673000624624000696464000794809000

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…

Fair value

QTWO fair value $77.91. Price $65.58. Price is 16% below fair value.

Above fair value, but less expensive than usual. A smaller premium than on 90% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 227.88M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 11.69% (beta 1.3). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 62.35M. Net debt -20.81M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare QTWO

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-02-10—0.74—228.36M
2026-10-280.740.71225.77M221.23M
2026-07-290.700.68219.76M216.86M
2026-04-290.630.71216.51M214.40M
2026-02-110.610.59208.22M204.69M
2025-11-050.570.55201.70M204.86M
2025-07-300.500.51195.15M198.01M
2025-05-070.540.48189.74M186.49M
2025-02-120.480.48183.04M179.95M
2024-11-060.280.37175.02M179.95M
2024-07-310.260.34172.89M170.94M
2024-05-010.310.29165.51M163.62M
2024-02-210.270.24162.12M161.48M
2023-11-010.210.17154.97M155.44M
2023-08-020.070.12154.61M154.25M
2023-05-090.140.05153.12M150.26M
2023-02-210.060.13146.54M149.38M
2022-11-070.100.04144.75M146.82M
2022-08-030.070.05140.31M140.24M
2022-05-020.030.05134.07M132.72M
2022-02-150.100.05131.89M132.23M
2021-11-030.030.03126.74M126.01M
2021-08-040.090.06123.57M122.80M
2021-05-050.100.07116.52M115.32M
2021-02-170.020.05108.99M163.48M
2020-11-040.070.05103.80M88.97M
2020-08-050.080.0297.58M27.88M
2020-05-06-0.09-0.1292.38M123.17M
2020-02-190.380.1086.84M22.85M
2019-11-060.050.0379.70M65.75M
2019-08-070.010.0077.65M155.29M
2019-05-07-0.05-0.0471.30M57.04M
2019-02-130.080.0167.18M8.40M
2018-11-060.090.0160.54M6.73M
2018-08-070.010.0158.57M58.57M
2018-05-020.040.0154.81M27.40M
2018-02-140.050.0151.70M10.34M
2017-11-010.030.0150.12M50.12M
2017-08-02-0.03-0.0647.62M95.25M
2017-05-03-0.03-0.0744.53M89.07M

Dividends

Yield 0.00%. Payout ratio 0.00%. Frequency —.

Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.

Ex-dateDividendRecordPaymentFrequency
No data yet.

Insider trades

DateInsiderActionSharesPriceValue
2026-09-11Kerr Michael SSell636$60.9638.77K
2026-08-13Price JonathanSell77.18K$65.715.07M
2026-08-10Rutledge Kimberly AnneSell10.00K$63.07630.70K
2026-06-10Hooley Stephen CBuy4.74K——
2026-06-10Tyson Lynn AntipasBuy4.74K——
2026-06-10Mintz Andre LBuy4.74K——
2026-06-10TAYLOR MARGARETBuy4.74K——
2026-06-10Offerdahl JamesBuy4.74K——
2026-06-10Atchison Rebecca LynnBuy4.74K——
2026-06-10Coleman Kirk LSell3.60K$43.48156.66K
2026-05-14Kerr Michael SSell397$44.9817.86K
2026-03-11Kerr Michael SBuy3.66K——
2026-03-11Kerr Michael SBuy7.32K——
2026-03-11Kerr Michael SBuy7.32K——
2026-03-11Kerr Michael SBuy18.31K——
2026-03-11Kerr Michael SSell2.07K$50.33104.23K
2026-03-11Mukkamala Himagiri KBuy7.71K——
2026-03-11Mukkamala Himagiri KBuy15.42K——
2026-03-11Mukkamala Himagiri KBuy15.42K——
2026-03-11Mukkamala Himagiri KBuy38.54K——
2026-03-11Flake Matthew PBuy19.27K——
2026-03-11Flake Matthew PBuy38.54K——
2026-03-11Flake Matthew PBuy38.54K——
2026-03-11Flake Matthew PBuy96.36K——
2026-03-11Coleman Kirk LBuy6.75K——
2026-03-11Coleman Kirk LBuy13.49K——
2026-03-11Coleman Kirk LBuy13.49K——
2026-03-11Coleman Kirk LBuy33.73K——
2026-03-11Price JonathanBuy9.63K——
2026-03-11Price JonathanBuy19.27K——
2026-03-11Price JonathanBuy19.27K——
2026-03-11Price JonathanBuy48.18K——
2026-03-11Breeden John EBuy5.78K——
2026-03-11Breeden John EBuy11.56K——
2026-03-11Breeden John EBuy11.56K——
2026-03-11Breeden John EBuy28.91K——
2026-03-11Breeden John ESell8.92K$50.34449.23K
2026-03-11Rutledge Kimberly AnneBuy4.34K——
2026-03-11Rutledge Kimberly AnneBuy8.67K——
2026-03-11Rutledge Kimberly AnneBuy8.67K——
2026-03-11Rutledge Kimberly AnneBuy21.68K——
2026-03-11Rutledge Kimberly AnneSell3.19K$50.37160.53K
2026-03-09Price JonathanSell8.68K$51.35445.72K
2026-03-09Rutledge Kimberly AnneSell4.34K$51.35222.86K
2026-03-09Breeden John ESell6.08K$51.35312.00K
2026-03-09Kerr Michael SSell2.82K$51.35144.86K
2026-03-05Rutledge Kimberly AnneSell20.95K$51.661.08M
2026-03-05Breeden John ESell68.71K$51.733.55M
2026-03-05Kerr Michael SSell9.55K$51.66493.56K
2026-03-04Coleman Kirk LSell31.10K$49.751.55M
2026-03-04Mukkamala Himagiri KSell1.79K$49.7589.20K
2026-03-04Breeden John ESell33.45K$49.751.66M
2026-03-04Kerr Michael SSell7.16K$49.75356.06K
2026-03-04Price JonathanSell32.16K$49.751.60M
2026-03-04Rutledge Kimberly AnneSell19.92K$49.75991.22K
2026-03-04Flake Matthew PSell91.59K$49.754.56M
2026-03-03Coleman Kirk LBuy21.75K——
2026-03-03Coleman Kirk LSell7.75K$49.72385.43K
2026-03-03Breeden John EBuy24.65K——
2026-03-03Breeden John ESell8.52K$49.72423.66K
2026-03-03Kerr Michael SBuy5.80K——
2026-03-03Kerr Michael SSell1.55K$49.7277.07K
2026-03-03Price JonathanBuy21.75K——
2026-03-03Price JonathanSell7.68K$49.72381.85K
2026-03-03Rutledge Kimberly AnneBuy14.50K——
2026-03-03Rutledge Kimberly AnneSell3.90K$49.72194.16K
2026-03-03Flake Matthew PBuy65.60K——
2026-03-03Flake Matthew PSell26.92K$49.721.34M
2026-03-02Coleman Kirk LBuy23.56K——
2026-03-02Breeden John EBuy26.70K——
2026-03-02Kerr Michael SBuy6.28K——
2026-03-02Price JonathanBuy23.56K——
2026-03-02Rutledge Kimberly AnneBuy15.70K——
2026-03-02Flake Matthew PBuy71.06K——
2026-02-17Coleman Kirk LSell12.92K$52.48677.88K
2025-12-12Volanoski Michael A.Sell5.12K$75.46386.58K
2025-12-10Volanoski Michael A.Sell4.18K$73.68307.76K
2025-12-10Mukkamala Himagiri KSell3.02K$73.68222.81K
2025-12-10Coleman Kirk LSell8.56K$73.68630.63K
2025-11-25Offerdahl JamesSell794$70.8456.25K
2025-09-15Kerr Michael SSell967$82.6079.87K
2025-09-11Kerr Michael SSell641$82.6552.98K
2025-09-08Coleman Kirk LSell39.51K$80.933.20M
2025-08-22Coleman Kirk LSell5.99K$80.04479.04K
2025-08-18Breeden John ESell6.11K$75.27459.52K
2025-08-12Offerdahl JamesSell786$74.1558.28K
2025-06-16Kerr Michael SSell605$86.3352.23K
2025-06-12Volanoski Michael A.Sell1.43K$88.88126.92K
2025-06-10Volanoski Michael A.Sell1.17K$90.55105.58K
2025-06-10Coleman Kirk LSell3.57K$90.55323.63K
2025-06-03Atchison Rebecca LynnBuy2.34K——
2025-06-03Mintz Andre LBuy2.34K——
2025-06-03Hooley Stephen CBuy2.34K——
2025-06-03Offerdahl JamesBuy2.34K——
2025-06-03TAYLOR MARGARETBuy2.34K——
2025-06-03Tyson Lynn AntipasBuy2.34K——
2025-06-02Coleman Kirk LSell7.09K$87.45620.28K
2025-05-22Offerdahl JamesSell1.00K$87.7787.77K
2025-05-14Kerr Michael SSell397$92.9036.88K
2025-04-01Flake Matthew PSell36.02K$80.352.89M

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 339, holders -14 vs prior quarter. Ownership 107.13%.

HolderSharesChangeChange %Value
BLACKROCK, INC.10.43M395.68K+3.94%501.77M
VANGUARD PORTFOLIO MANAGEMENT LLC4.97M111.10K+2.29%239.05M
VANGUARD CAPITAL MANAGEMENT LLC2.72M18.00K+0.67%130.75M
STATE STREET CORP2.63M134.43K+5.39%126.52M
TREMBLANT CAPITAL GROUP1.84M139.19K+8.17%88.61M
MILLENNIUM MANAGEMENT LLC1.81M1.00M+124.09%86.94M
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.1.63M402.57K+32.71%78.57M
GEODE CAPITAL MANAGEMENT, LLC1.59M97.71K+6.57%76.30M
CAPITAL RESEARCH GLOBAL INVESTORS1.48M-140.37K-8.66%71.19M
VICTORY CAPITAL MANAGEMENT INC1.43M1.26M+708.39%68.93M
CONESTOGA CAPITAL ADVISORS, LLC1.39M-389.44K-21.85%67.02M
GOLDMAN SACHS GROUP INC1.29M594.51K+85.70%61.96M
TWO SIGMA INVESTMENTS, LP1.20M164.42K+15.84%57.85M
AMERICAN CENTURY COMPANIES INC1.13M22.60K+2.04%54.34M
ALGEBRIS (UK) LTD1.07M374.95K+53.90%51.33M
FEDERATED HERMES, INC.1.05M106.22K+11.29%50.37M
DIMENSIONAL FUND ADVISORS LP1.01M1.29K+0.13%48.63M
MANUFACTURERS LIFE INSURANCE COMPANY, THE997.53K298.83K+42.77%47.98M
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP875.85K359.61K+69.66%42.13M
TENSILE CAPITAL MANAGEMENT LP868.77K-21.00K-2.36%41.79M
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC830.71K528.58K+174.95%39.96M
BROWN ADVISORY INC824.01K603.41K+273.53%39.63M
NUVEEN, LLC810.57K156.48K+23.92%38.99M
JENNISON ASSOCIATES LLC801.05K-93.70K-10.47%38.53M
NORTHERN TRUST CORP693.49K41.77K+6.41%33.36M

Earnings and financials

Q2 Holdings, Inc. (QTWO) trades at $65.58, with a market cap of $4.09B and a trailing P/E of 38.37. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

2016201720182019202020212022202320242025
150224000193978000241100000315484000402751000498720000565673000624624000696464000794809000

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Q2 (QTWO) Financials: Revenue & Earnings

QTWO$65.58-2.33 -3.44%

$4.09B

Market Cap

38.37

P/E

22.68

Forward P/E

58

Score

Price History