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Technology - Software - Application - NYSE - US
$ 70.31
-6.99 %
$ 4.27 B
Market Cap
-109.86
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one QTWO stock under the worst case scenario is HIDDEN Compared to the current market price of 70.3 USD, Q2 Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one QTWO stock under the base case scenario is HIDDEN Compared to the current market price of 70.3 USD, Q2 Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one QTWO stock under the best case scenario is HIDDEN Compared to the current market price of 70.3 USD, Q2 Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart QTWO

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$115.0$115.0$110.0$110.0$105.0$105.0$100.0$100.0$95.0$95.0$90.0$90.0$85.0$85.0$80.0$80.0$75.0$75.0$70.0$70.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
696 M REVENUE
11.50%
-42.3 M OPERATING INCOME
50.89%
-38.5 M NET INCOME
41.06%
136 M OPERATING CASH FLOW
93.12%
-21.1 M INVESTING CASH FLOW
-18.61%
13.3 M FINANCING CASH FLOW
108.76%
183 M REVENUE
4.58%
-1.58 M OPERATING INCOME
87.70%
164 K NET INCOME
101.39%
43 M OPERATING CASH FLOW
-0.50%
-6.45 M INVESTING CASH FLOW
75.85%
2.81 M FINANCING CASH FLOW
398.41%
Balance Sheet Q2 Holdings, Inc.
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Current Assets 559 M
Cash & Short-Term Investments 447 M
Receivables 50 M
Other Current Assets 62.1 M
Non-Current Assets 736 M
Long-Term Investments 0
PP&E 61.9 M
Other Non-Current Assets 674 M
34.49 %3.86 %4.79 %4.78 %52.07 %Total Assets$1.3b
Current Liabilities 399 M
Accounts Payable 9.35 M
Short-Term Debt 201 M
Other Current Liabilities 189 M
Non-Current Liabilities 378 M
Long-Term Debt 340 M
Other Non-Current Liabilities 37.6 M
25.82 %24.31 %43.82 %4.84 %Total Liabilities$777.0m
EFFICIENCY
Earnings Waterfall Q2 Holdings, Inc.
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Revenue 696 M
Cost Of Revenue 342 M
Gross Profit 354 M
Operating Expenses 397 M
Operating Income -42.3 M
Other Expenses -3.73 M
Net Income -38.5 M
700m700m600m600m500m500m400m400m300m300m200m200m100m100m00(100m)(100m)696m(342m)354m(397m)(42m)4m(39m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
50.90% GROSS MARGIN
50.90%
-6.07% OPERATING MARGIN
-6.07%
-5.53% NET MARGIN
-5.53%
-7.44% ROE
-7.44%
-2.98% ROA
-2.98%
-4.81% ROIC
-4.81%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Q2 Holdings, Inc.
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140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -38.5 M
Depreciation & Amortization 68.8 M
Capital Expenditures -6.69 M
Stock-Based Compensation 89.2 M
Change in Working Capital -14.8 M
Others 19 M
Free Cash Flow 129 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Q2 Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for QTWO of $77.7 , with forecasts ranging from a low of $50 to a high of $120 .
QTWO Lowest Price Target Wall Street Target
50 USD -28.89%
QTWO Average Price Target Wall Street Target
77.7 USD 10.49%
QTWO Highest Price Target Wall Street Target
120 USD 70.67%
Price
Max Price Target
Min Price Target
Average Price Target
120120110110100100909080807070606050504040May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Q2 Holdings, Inc.
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Sold
0-3 MONTHS
32.8 M USD 10
3-6 MONTHS
35.8 M USD 5
6-9 MONTHS
24.8 M USD 7
9-12 MONTHS
15 M USD 7
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Amount Announces Integration With Q2's Digital Banking Platform CHICAGO--(BUSINESS WIRE)--Amount, a leader in consumer and small business deposit and loan origination software solutions, today announced an integration with Q2's Digital Banking Platform via the Q2 Partner Accelerator Program. Q2 Holdings, Inc. (NYSE: QTWO) is a leading provider of digital transformation solutions for banking and lending. As part of the Q2 Partner Accelerator Program, financial institutions can purchase Amount and then offer their consumer & small business credit card acc. businesswire.com - 2 weeks ago
Ninth Wave Announces Integration With Q2's Digital Banking Platform NEW YORK--(BUSINESS WIRE)--Ninth Wave, a leading enabler of secure data connectivity between financial institutions and third-party applications, today announced an integration with Q2's Digital Banking Platform, via the Q2 Partner Accelerator Program. Q2 Holdings, Inc. (NYSE: QTWO) is a leading provider of digital transformation solutions for financial services. As part of the Q2 Partner Accelerator Program, financial institutions will be able to onboard to Ninth Wave's platform and offer secu. businesswire.com - 2 weeks ago
ZenBusiness Appoints Financial Expert Lynn Atchison to Board to Drive Strategic Growth AUSTIN, Texas--(BUSINESS WIRE)--ZenBusiness®, the all-in-one platform providing trusted guidance for small business owners, today announced the appointment of Lynn Atchison to its Board of Directors. Atchison, a seasoned corporate board director and financial expert, brings extensive experience in scaling high-growth technology companies, navigating public markets, and leading organizations through transformative business strategies. “Welcoming Lynn to our Board of Directors strengthens our lea. businesswire.com - 3 weeks ago
Q2 Holdings: Buy This Little-Known Software Company As It Ramps Up RPOs And EBITDA Q2 Holdings: Buy This Little-Known Software Company As It Ramps Up RPOs And EBITDA seekingalpha.com - 1 month ago
Buy And Hold These Ten Cheap Lithium Juniors Ready For A Potential Lithium Recovery From 2026 Onwards The lithium market has been in a severe bear market. Delays in major projects like Zijin Mining's 3Q Project could roughly balance the market from 2026 to 2028. Booming EV and BESS sales, if they continue, could cause large lithium deficits from 2029 onwards. Strong lithium demand and potential deficits set up a favorable scenario for patient investors in quality junior lithium miners over the next 5-7 years. seekingalpha.com - 1 month ago
Q2 Metals Ranks 9th on 2025 TSX Venture 50 List of Top Performing Companies Vancouver, British Columbia--(Newsfile Corp. - February 19, 2025) - Q2 Metals Corp. (TSXV: QTWO) (OTCQB: QUEXF) (FSE: 458) ("Q2" or the "Company") is pleased to announce that it has been recognized by TSX Venture Exchange (TSXV) as a 2025 Top 50 Company. The TSX Venture 50 is an annual ranking of the top performing companies from the past year on TSXV based on three equally weighted criteria: market capitalization growth, share price appreciation and trading value. newsfilecorp.com - 1 month ago
Q2 Holdings, Inc. (QTWO) Q4 2024 Earnings Conference Call Transcript Q2 Holdings, Inc. (NYSE:QTWO ) Q4 2024 Earnings Conference Call February 12, 2025 5:00 PM ET Company Participants Josh Yankovich - IR Matt Flake - CEO Jonathan Price - CFO Kirk Coleman - President Conference Call Participants Terry Tillman - Truist Securities Alex Sklar - Raymond James Joe Vruwink - Robert W. Baird Alan Hodgkiss - Goldman and Sachs Andrew Schmidt - Citigroup Charles Nabhan - Stephens Inc. Michael Infante - Morgan Stanley Parker Lane - Stifel Dominick Gabriele - Compass Point Mark Feldman - William Blair Dan Perlin - RBC Capital Markets Operator Good afternoon. seekingalpha.com - 1 month ago
Q2 Holdings (QTWO) Q4 Earnings Meet Estimates Q2 Holdings (QTWO) came out with quarterly earnings of $0.48 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.27 per share a year ago. zacks.com - 1 month ago
Q2 Announces Appointment of Andre Mintz to its Board of Directors AUSTIN, Texas--(BUSINESS WIRE)--Q2 Holdings, Inc. (NYSE: QTWO), a leading provider of digital transformation solutions for financial services, announced today the appointment of Andre Mintz to its board of directors, effective March 1, 2025, and as a member of the Audit Committee and the Risk and Compliance Committee of Q2's Board of Directors. Mintz brings over three decades of global experience in technology, cybersecurity and privacy, serving in senior-level positions at Meta, Newport Group,. businesswire.com - 1 month ago
Q2 Holdings, Inc. Announces Fourth Quarter and Full-Year 2024 Financial Results AUSTIN, Texas--(BUSINESS WIRE)--Q2 Holdings, Inc. (NYSE: QTWO), a leading provider of digital transformation solutions for financial services, today announced results for its fourth quarter and full year ending December 31, 2024. GAAP Results for the Fourth Quarter and Full-Year 2024 Revenue for the fourth quarter of $183.0 million, up 13 percent year-over-year and up 5 percent from the third quarter of 2024. Full-year 2024 revenue of $696.5 million, up 12 percent year-over-year. GAAP gross mar. businesswire.com - 1 month ago
Wells Fargo Expands Its Commercial Banking Transformation with Q2 to Drive Collaboration Across Commercial Banking Teams AUSTIN, Texas--(BUSINESS WIRE)--Q2 Holdings, Inc. (NYSE: QTWO), a leading provider of digital transformation solutions for financial services, today announced that Wells Fargo (NYSE: WFC) has launched a commercial banking platform designed to improve bankers' ability to serve commercial clients, and increase collaboration and efficiency. “Wells Fargo is committed to delivering superior value to our commercial banking clients,” said Mary Katherine Dubose, EVP and Head of Commercial Banking Speci. businesswire.com - 1 month ago
Merchant's PACT Announces Integration with Q2's Digital Banking Platform to Provide Card Acceptance Onboarding LOUISVILLE, Ky.--(BUSINESS WIRE)-- #banking--Merchant's PACT, a leading fintech payments company specializing in innovative software and payment solutions for financial institutions, today announced its integration with Q2's Digital Banking Platform and its participation in the Q2 Partner Marketplace. Q2 Holdings, Inc. (NYSE: QTWO) is a leading provider of digital transformation solutions for financial institutions. This integration allows financial institutions to offer APPvantage, a seamless card accept. businesswire.com - 2 months ago
8. Profile Summary

Q2 Holdings, Inc. QTWO

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COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 4.27 B
Dividend Yield 0.00%
Description 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.
Contact 10355 Pecan Park Boulevard, Austin, TX, 78729 https://www.q2.com
IPO Date March 20, 2014
Employees 2476
Officers Mr. Kirk L. Coleman President Ms. Suzette Junier Chief Compliance Officer & Chief Privacy Officer Mr. M. Scott Kerr Senior Vice President, General Counsel & Corporate Secretary Mr. Michael A. Volanoski Chief Revenue Officer Mr. Matthew P. Flake Chief Executive Officer & Chairman of the Board Mr. Robert H. Seale III Chairman Emeritus & Founder Mr. Josh Yankovich Investor Contact Mr. John E. Breeden Chief Delivery Officer Mr. Adam D. Blue Chief Technology Officer Mr. Jonathan A. Price Chief Financial Officer and Executive Vice President of Strategy & Emerging Businesses