$45.42
-0.022%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Acceptable margins but limited operational leverage. Operating expense control is important.
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
QTWO โข NYSE
| Q2 Holdings, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 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 |
QTWO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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