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Upturn AI SWOT - About
QTWO 
Q2 Holdings (QTWO)
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Upturn Advisory Summary
08/14/2025: QTWO (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $104.07
1 Year Target Price $104.07
| 6 | Strong Buy |
| 3 | Buy |
| 8 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 156.38% | Avg. Invested days 97 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.67B USD | Price to earnings Ratio 1246.67 | 1Y Target Price 104.07 |
Price to earnings Ratio 1246.67 | 1Y Target Price 104.07 | ||
Volume (30-day avg) 17 | Beta 1.47 | 52 Weeks Range 63.61 - 112.82 | Updated Date 08/14/2025 |
52 Weeks Range 63.61 - 112.82 | Updated Date 08/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-30 | When - | Estimate 0.52 | Actual 0.18 |
Profitability
Profit Margin 0.66% | Operating Margin (TTM) 5.04% |
Management Effectiveness
Return on Assets (TTM) -0.03% | Return on Equity (TTM) 0.92% |
Valuation
Trailing PE 1246.67 | Forward PE 33.44 | Enterprise Value 4777227776 | Price to Sales(TTM) 6.29 |
Enterprise Value 4777227776 | Price to Sales(TTM) 6.29 | ||
Enterprise Value to Revenue 6.43 | Enterprise Value to EBITDA 61.67 | Shares Outstanding 62442400 | Shares Floating 60284401 |
Shares Outstanding 62442400 | Shares Floating 60284401 | ||
Percent Insiders 1.1 | Percent Institutions 105.91 |
Upturn AI SWOT
Q2 Holdings
Company Overview
History and Background
Q2 Holdings, Inc. was founded in 2004. It initially focused on providing online banking solutions and has since expanded its offerings through organic growth and acquisitions to become a leading provider of digital banking and lending solutions to regional and community financial institutions.
Core Business Areas
- Digital Banking: Q2's digital banking platform provides a unified user experience across multiple devices, enabling financial institutions to offer a full suite of banking services online and through mobile apps.
- Lending: Q2 Lending is comprised of Q2 PrecisionLender, Q2 Catalyst, and Q2 Open, and enables the automation and simplification of the entire lending process for commercial and retail lending institutions. These solutions are comprised of data-driven pricing, workflow and automated intelligence to aid banks to generate quality loan volume more quickly while improving profitability.
Leadership and Structure
Q2 Holdings is led by CEO Kirk Coleman. The company has a typical corporate structure with departments for sales, marketing, technology, finance, and operations.
Top Products and Market Share
Key Offerings
- Q2 Digital Banking Platform: Q2's digital banking platform is a comprehensive suite of solutions for retail and commercial customers. Market share data is not precisely available, but Q2 is considered a major player in the community and regional financial institution market. Competitors include Fiserv (FISV), Jack Henry (JKHY), and nCino (NCNO).
- Q2 PrecisionLender: Q2 PrecisionLender is a commercial loan pricing and profitability management tool. Competitors include Baker Hill, Moody's Analytics, and Numerated.
Market Dynamics
Industry Overview
The digital banking and lending software market is experiencing strong growth driven by increasing customer demand for online and mobile banking services, the need for financial institutions to improve efficiency, and increasing regulatory requirements. Cloud-based solutions are gaining popularity.
Positioning
Q2 Holdings is positioned as a leading provider of digital banking and lending solutions for regional and community financial institutions. Its competitive advantages include its comprehensive platform, strong customer relationships, and focus on innovation.
Total Addressable Market (TAM)
Estimates of the TAM vary, but are expected to exceed $10 billion USD by 2027, encompassing software, services and maintenance. Q2 is strongly positioned to capture a significant portion of this TAM, due to its focused approach in assisting local banks to compete.
Upturn SWOT Analysis
Strengths
- Strong market position in the community and regional financial institution segment
- Comprehensive digital banking and lending platform
- High customer retention rates
- Scalable cloud-based architecture
Weaknesses
- Reliance on the financial services industry
- Smaller scale compared to larger competitors
- Slower growth in recent years
- Integration risks associated with acquisitions
Opportunities
- Expanding into new market segments (e.g., larger banks, credit unions)
- Offering new products and services (e.g., AI-powered analytics)
- Acquiring complementary businesses
- International expansion
Threats
- Increasing competition from larger players
- Rapid technological changes
- Economic downturn impacting financial institutions
- Data security and privacy concerns
Competitors and Market Share
Key Competitors
- FISV
- JKHY
- NCNO
Competitive Landscape
Q2 Holdings faces competition from larger, more established players like Fiserv and Jack Henry. However, Q2 distinguishes itself with its focus on the community and regional financial institution market and its comprehensive digital banking and lending platform.
Major Acquisitions
Cloud Lending Solutions
- Year: 2018
- Acquisition Price (USD millions): 115
- Strategic Rationale: Expanded Q2's lending capabilities and strengthened its position in the commercial lending market.
Growth Trajectory and Initiatives
Historical Growth: Q2 Holdings has historically grown through a combination of organic growth and acquisitions. Revenue growth has slowed in recent years.
Future Projections: Analyst estimates suggest moderate revenue growth in the coming years, with a focus on improving profitability.
Recent Initiatives: Recent initiatives include strategic partnerships, new product releases, and expansion of its lending solutions.
Summary
Q2 Holdings is a leading provider of digital banking and lending solutions for community and regional financial institutions. The company has a strong market position and a comprehensive platform, but faces competition from larger players. While revenue growth has been decent, profitability needs improvement. Q2 Holdings must continue to innovate and expand its product offerings to maintain its competitive advantage and capitalize on growth opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Q2 Holdings
Exchange NYSE | Headquaters Austin, TX, United States | ||
IPO Launch date 2014-03-20 | CEO & Chairman of the Board Mr. Matthew P. Flake | ||
Sector Technology | Industry Software - Application | Full time employees 2476 | Website https://www.q2.com |
Full time employees 2476 | Website https://www.q2.com | ||
Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The company offers Digital Banking Platform, an end-to-end digital banking platform that supports its financial institution customers in their delivery of retail, SMB, and commercial functionalities across digital channels; and risk and fraud solutions that are designed to enhance the security and integrity of digital banking operations, including real-time security analytics and behavioral analysis, event-driven validation for non-transactional fraud management, electronic transaction dispute management, ACH file monitoring and risk reporting, and check and ACH positive pay systems for commercial users. It also provides Q2 Innovation Studio, an application program interface and software development kit based open technology platform that allows financial institution customers and other partners to deploy customized experiences and the financial services to end users; and Helix, a cloud-native, real-time core processing platform that combines the services and functionality for companies and financial institutions. In addition, the company offers digital lending and relationship pricing solutions that provide tools for managing commercial lending deposits and fee-based transactions comprising loan pricing and negotiation tools, treasury pricing and fee-based service structuring, AI assistance for relationship managers, end-to-end loan origination and servicing, automation of lending activities, and support services to diverse loan types and asset classes, as well as portfolio management services, such as analysis, performance, reporting, and trend identification. 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.
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