Q2 Holdings, Inc.

Q2 Holdings, Inc.

QTWOยทNYSE

$45.69

+0.57%
TechnologySoftware - Application

Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. The company offers Q2 Consumer Banking, a browser-based digital banking solution and comprehensive financial institution branded digital banking capabilities; Q2 Small Business and Commercial, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture. It also provides Q2 Sentinel, a security analytics solution; Q2 Patrol, an event-driven validation product; Q2 SMART, a targeting and messaging platform; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information. In addition, the company offers Q2 Gro, a digital account opening, and digital sales and marketing platform; Q2 Biller Direct, a bill payment solution; ClickSWITCH allows financial institutions to direct deposits to the end user. Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; Centrix Exact/Transaction Management System, a fraud prevention tool; and Q2 Caliper Software Development Kit. Futher, it provides Q2 Contextual PFM, which allows end users to add external accounts and view them together with internal accounts on digital banking home page; Q2 Goals that enables end users to establish and save towards specific savings goals; Q2 Cloud Lending, a digital lending and leasing platform; PrecisionLender platform, a cloud-based, data-driven sales enablement, pricing, and portfolio management solution; and Q2 BaaS, a portfolio of open API financial services. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas.

At a Glance

Live Snapshot
Market Cap$2.86B
EPS0.8400
P/E Ratio54.39
Earnings Date07/29/2026
3Y+41.0%
5Y+97.0%
10Y+429.0%
3Y-148.0%
5Y-138.0%
10Y-243.0%
3Y+451.0%
5Y-7071.0%
10Y+5836.0%
Q2 Holdings, Inc.

Q2 Holdings, Inc. Profit Bridge

QTWO ยท NYSE
Revenue794.81M
Cost of Goods Sold (365.22M)
Gross Profit429.59M
Operating Expenses (383.95M)
Operating Income45.64M
Interest Expense (5.41M)
Other Income/Expense9.09M
Pretax Income54.73M
Income Tax (2.72M)
Net Income52.01M
Net Income
52.01M

Profitability Analysis

Gross Margin

54.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

5.7%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

6.5%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

5.0%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Q2 Holdings, Inc. Income Statement

QTWO โ€ข NYSE

Q2 Holdings, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
REVENUE
794.8M
696.5M
624.6M
565.7M
498.7M
402.8M
315.5M
241.1M
194M
150.2M
108.9M
79.1M
56.9M
41.1M
27M
GROSS PROFIT
(365.2M)
(342M)
(322M)
(309.3M)
(273.7M)
(228.2M)
(162.5M)
(121.9M)
(99.5M)
(77.4M)
(59.1M)
(46.1M)
(36.3M)
(25.2M)
(14.8M)
429.6M
354.5M
302.7M
256.3M
225M
174.6M
153M
119.2M
94.5M
72.8M
49.7M
33.1M
20.6M
15.9M
12.2M
OPERATING INCOME
(384M)
(396.7M)
(388.7M)
(361.1M)
(303M)
(274.4M)
(203.7M)
(147M)
(120.2M)
(102.2M)
(72.1M)
(52.1M)
(37.7M)
(23.1M)
(13.9M)
(231.4M)
(228.9M)
(219.7M)
(198.4M)
(163.5M)
(145.4M)
(121.1M)
(93.8M)
(78.3M)
(68.3M)
(50M)
(40.1M)
(28.7M)
(17.7M)
(10.4M)
(154.3M)
(143.2M)
(137.3M)
(130.1M)
(117M)
(97.4M)
(76.3M)
(51.3M)
(40.3M)
(32.5M)
(21.5M)
(12.1M)
(9M)
(5.3M)
(3.4M)
45.6M
-42.3M
-86.1M
-104.8M
-78M
-99.8M
-50.7M
-31.9M
-26.9M
-35.7M
-24.8M
-19.1M
-17.1M
-7.1M
-1.7M
PRE-TAX INCOME
(5.4M)
(4.9M)
(5.7M)
(6.7M)
(33.1M)
(28.6M)
(20.3M)
(10.2M)
(124K)
(567K)
(283K)
(557K)
(505K)
(232K)
(83K)
14.8M
11.4M
4.4M
-1.3M
-31.6M
-27.4M
-16.6M
-7.4M
429K
-209K
-3K
-492K
-499K
-228K
-76K
(0.0)
(24.6M)
(31.7M)
(32.6M)
(22.6M)
(31.6M)
(6.3M)
-7.4M
(429K)
-209K
-3K
-492K
(0.0)
(0.0)
(0.0)
9.1M
11.4M
24.2M
-1.3M
-33.1M
-36.4M
-32.6M
-7.4M
429K
-209K
-3K
-492K
-499K
-228K
-76K
54.7M
-30.9M
-61.8M
-106.1M
-111.1M
-136.2M
-83.4M
-39.2M
-26.5M
-35.9M
-24.8M
-19.6M
-17.6M
-7.4M
-1.8M
NET INCOME
(2.7M)
(7.7M)
(3.6M)
(2.9M)
(1.6M)
(1.4M)
-12.5M
-3.8M
-314K
(427K)
(220K)
(71K)
(55K)
(164K)
(132K)
52M
-38.5M
-65.4M
-109M
-112.7M
-137.6M
-70.9M
-35.4M
-26.2M
-36.4M
-25.1M
-19.6M
-17.9M
-8.8M
-3M

SEC Filings

QTWO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

April 29, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 29, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 11, 2026
2026
10-K

10-K 2025 FY

FY

February 11, 2026
December 31, 2025
2025
8-K

8-K 2025

N/A

November 05, 2025
November 05, 2025
2025
8-K

8-K 2025

N/A

November 05, 2025
October 31, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 05, 2025
September 30, 2025
2025
10-Q

10-Q 2025 Q2

Q2

July 30, 2025
June 30, 2025
2025
8-K

8-K 2025

N/A

July 30, 2025
July 30, 2025
2025
Showing 1 to 10 of 189 filings