Q2 Holdings, Inc.

Q2 Holdings, Inc.

QTWOยทNYSE

$45.42

-0.022%
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$2.84B
EPS0.8400
P/E Ratio54.07
Earnings Date07/29/2026
3Y+451.0%
5Y-7071.0%
10Y+5836.0%
3Y-98.0%
5Y-97.0%
10Y-76.0%
3Y-3313.0%
5Y-143.0%
10Y-20118.0%
QTWO

Q2 Holdings, Inc. Cash Conversion Engine

QTWO ยท NYSE
Net Income52.01M
Depreciation & Amortization69.42M
Stock-Based Compensation0.00
Change in Working Capital-23.91M
Others102.70M
Capital Expenditures-6.81M
Free Cash Flow194.65M

Cash Flow Quality Analysis

FCF Conversion Rate

374.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+50.8%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$23.91M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Q2 Holdings, Inc. Cash Flow Statement

QTWO โ€ข NYSE

Q2 Holdings, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011
OPERATING ACTIVITIES
52M
-38.5M
-65.4M
-109M
-112.7M
-137.6M
-70.9M
-35.4M
-26.2M
-36.4M
-25.1M
-19.6M
-17.7M
-7.5M
-1.9M
69.4M
68.8M
71.7M
61.7M
54.8M
51.8M
28.5M
16.8M
14.9M
12.2M
6.8M
4.1M
3M
1.7M
1M
1.2M
2.1M
636K
1.6M
180K
946K
-12.8M
-2.1M
-350K
281K
85K
17K
-161K
-1M
-1.2M
0.0
89.2M
79.2M
65.2M
55.9M
50.7M
40.5M
29.5M
20.9M
12.6M
7.4M
4.6M
1.6M
1M
397K
102.7M
29M
9.8M
37.6M
57.4M
58.2M
31.4M
17.5M
7.8M
7.6M
5.5M
4.6M
3.1M
1.9M
1.2M
(0.0)
(5.9M)
(2.6M)
(875K)
(1M)
(566K)
(322K)
(250K)
(128K)
(120K)
(60K)
(55K)
(164K)
(199K)
(123K)
-23.9M
-14.8M
-25.7M
-20.5M
-24.5M
-26.9M
-16.1M
-21.8M
-7.7M
7.1M
10.7M
1.1M
8.6M
959K
-609K
201.5M
135.8M
70.3M
36.6M
31.1M
-2.9M
567K
4.6M
9.5M
3.4M
5.4M
-5.3M
-1.5M
-3M
-1.1M
INVESTING ACTIVITIES
-6.8M
-6.7M
-5.7M
-11.1M
-19.8M
-23.7M
-13.9M
-13.3M
-13.3M
-17.4M
-7.4M
-5M
-11.3M
-2.2M
-1.4M
(0.0)
(0.0)
(0.0)
-5M
-64.7M
(0.0)
-505.6M
-130.7M
-3.8M
-95K
-27.5M
-2.2M
(0.0)
(0.0)
(0.0)
-94.1M
-95.8M
-76.9M
-293M
-124M
-131.3M
-27.3M
-75.7M
-27.7M
-40.2M
-23M
-21M
(0.0)
(0.0)
(0.0)
118.2M
103.7M
220.8M
162.5M
149.2M
31.8M
64M
48.4M
27.9M
41.1M
20.9M
2.2M
0.0
0.0
0.0
-21.3M
-22.3M
-25M
-18.9M
-5.9M
-952K
-465K
-27.3M
-1M
-2.1M
-21.4M
-713K
-46K
-377K
-16K
-4M
-21.1M
(113.3M)
-165.6M
-65.1M
-124.2M
-483.3M
-171.3M
-17.9M
-16.5M
-58.4M
-26.7M
-11.3M
-2.6M
-1.4M
FINANCING ACTIVITIES
2M
14.3M
8.4M
0.0
0.0
311.3M
195.3M
0.0
0.0
-8K
52.6M
86.3M
0.0
0.0
0.0
-191M
0.0
-160.5M
0.0
-63.7M
132.6M
307M
223.2M
0.0
-5.1M
-4.7M
-7M
3M
-654K
2M
-5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-384K
(0.0)
-20K
(0.0)
(0.0)
(0.0)
0.0
-942K
139K
5.9M
12.5M
-320.6M
-221.5M
-6.6M
11.6M
6M
4.2M
2M
435K
17K
7K
-189M
13.3M
-152M
5.9M
-51.2M
434.7M
476.1M
216.6M
11.6M
944K
52.1M
81.3M
22.4M
-637K
13M
CASH FLOW SUMMARY
49K
-827K
182K
-802K
-167K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.5M
127.2M
31.7M
-123.9M
-85.4M
307.6M
-6.6M
49.9M
3.1M
-12.2M
-930K
49.3M
9.6M
-6.3M
10.5M
360.8M
233.6M
201.9M
325.8M
411.2M
103.6M
110.2M
60.3M
54.9M
67M
68M
18.7M
9.1M
15.4M
4.9M
369.3M
360.8M
233.6M
201.9M
325.8M
411.2M
103.6M
110.2M
58M
54.9M
67M
68M
18.7M
9.1M
15.4M
194.7M
129.1M
39.6M
6.5M
5.5M
-27.6M
-13.8M
-8.7M
-3.8M
-14M
-2M
-10.3M
-12.8M
-5.2M
-2.5M

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