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QTWO 
Q2 Holdings (QTWO)
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Upturn Advisory Summary
11/05/2025: QTWO (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
17 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $95.36
1 Year Target Price $95.36
| 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 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.39B USD | Price to earnings Ratio 140.34 | 1Y Target Price 95.36 |
Price to earnings Ratio 140.34 | 1Y Target Price 95.36 | ||
Volume (30-day avg) 17 | Beta 1.39 | 52 Weeks Range 58.57 - 112.82 | Updated Date 11/6/2025 |
52 Weeks Range 58.57 - 112.82 | Updated Date 11/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-10 | When After Market | Estimate 0.56 | Actual 0.6362 |
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 140.34 | Forward PE 26.32 | Enterprise Value 4174034086 | Price to Sales(TTM) 5.91 |
Enterprise Value 4174034086 | Price to Sales(TTM) 5.91 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA 53.89 | Shares Outstanding 62530005 | Shares Floating 60187616 |
Shares Outstanding 62530005 | Shares Floating 60187616 | ||
Percent Insiders 1.11 | Percent Institutions 107.86 |
Upturn AI SWOT
Q2 Holdings
Company Overview
History and Background
Q2 Holdings, Inc. was founded in 2004. Initially focused on providing online banking solutions to community banks, it has expanded to offer a broader range of digital banking and lending solutions for financial institutions.
Core Business Areas
- Digital Banking: Provides a comprehensive suite of online and mobile banking solutions, including account management, payments, security, and customer engagement tools. Target customers include banks, credit unions and fintechs.
- Digital Lending: Offers solutions that streamline the lending process, from application to closing, for various loan types, including consumer, commercial, and mortgage loans.
Leadership and Structure
Matt Flake is the CEO. The company has a typical organizational structure with departments for technology, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- Q2 Platform: A unified digital banking platform that enables financial institutions to deliver a consistent and personalized experience across all digital channels. Revenue generation comes from subscription fees. Exact market share is hard to quantify, but key competitors include Fiserv (FISV), Jack Henry & Associates (JKHY), and nCino (NCNO).
- Q2 Lending: A suite of digital lending solutions that automates and streamlines the lending process. Revenue generation comes from subscription fees. Market share data is not readily available. Competitors include Blend Labs (BLND) and MeridianLink (MRDN).
Market Dynamics
Industry Overview
The digital banking and lending market is experiencing significant growth, driven by increasing consumer demand for convenient and personalized digital experiences. The fintech landscape is also impacting industry trends, fostering innovation and competition.
Positioning
Q2 Holdings is positioned as a leading provider of digital banking and lending solutions for regional and community financial institutions. Its competitive advantage lies in its comprehensive platform, focus on customer experience, and deep understanding of the needs of its target market.
Total Addressable Market (TAM)
The TAM for digital banking and lending is estimated to be in the billions of dollars. Q2 Holdings is positioned to capture a significant share of this market by focusing on providing innovative solutions and expanding its customer base.
Upturn SWOT Analysis
Strengths
- Comprehensive digital banking and lending platform
- Strong focus on customer experience
- Deep understanding of the needs of regional and community financial institutions
- Scalable technology infrastructure
- Experienced management team
Weaknesses
- Reliance on the financial services industry
- Intense competition
- Relatively high customer concentration
- Integration risk associated with acquisitions
Opportunities
- Expansion into new markets
- Development of new products and services
- Acquisition of complementary businesses
- Increased adoption of digital banking and lending technologies
- Cross-selling opportunities
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity threats
- Rapid technological advancements
Competitors and Market Share
Key Competitors
- FISV
- JKHY
- NCNO
- FFIV
Competitive Landscape
Q2 Holdings competes with larger, more established players in the digital banking and lending market. Its competitive advantage lies in its focus on regional and community financial institutions and its comprehensive platform.
Major Acquisitions
Linear AI
- Year: 2022
- Acquisition Price (USD millions): 38
- Strategic Rationale: Acquisition of Linear AI enhances Q2's data analytics and AI capabilities, allowing for more personalized and efficient digital banking experiences.
Growth Trajectory and Initiatives
Historical Growth: Q2 Holdings has experienced strong revenue growth in recent years, driven by increased adoption of its digital banking and lending solutions.
Future Projections: Analyst estimates project continued revenue growth for Q2 Holdings, driven by its expansion into new markets and development of new products and services.
Recent Initiatives: Recent initiatives include acquisitions of complementary businesses to expand its product offerings and geographic reach.
Summary
Q2 Holdings is a moderately strong player in the digital banking and lending space, capitalizing on the shift towards digital solutions within financial institutions. Its strengths lie in its comprehensive platform and focus on customer experience. However, it faces intense competition and must effectively manage integration risks from acquisitions. The company's future growth hinges on its ability to innovate and expand its market reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and represents a general overview. Investment decisions should be based on independent research and consultation with a financial advisor.
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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