Q2 (QTWO) Stock Price, News & Analysis

Company Overview

Q2 Holdings, Inc. develops and delivers cloud-based digital banking solutions that enable banks and credit unions to enhance customer and member experiences. The company’s core offerings include the Q2 Platform, a comprehensive suite of online and mobile banking applications for retail and commercial customers, as well as digital onboarding, payments, and fraud prevention tools. Q2’s platform also provides analytics and reporting capabilities designed to help financial institutions tailor products, optimize workflows, and drive engagement.

Founded in 2004 and headquartered in Austin, Texas, Q2 serves hundreds of financial institutions across the United States and Canada. Its cloud-native architecture supports rapid deployment and scalability, allowing small community banks and credit unions to compete with larger national providers. Q2 has expanded its capabilities through strategic partnerships and integrations with third-party fintechs, covering areas such as digital lending, advanced payments, and marketplace commerce.

In addition to its digital banking suite, Q2 offers specialized solutions such as Q2 Lending, which streamlines loan origination and servicing, and Q2 Security, which incorporates multilevel security measures to protect against cyber threats. The company also provides a Developer Portal, enabling financial institutions and technology partners to build custom applications and integrations on the Q2 Platform using open APIs.

Q2 is led by Chief Executive Officer Matt Flake, who has been with the company since 2007 and appointed as CEO in 2018. Under his leadership, Q2 has transitioned from a provider of digital banking portals to a comprehensive financial experience platform, focusing on innovation, customer success, and strategic acquisitions to meet the evolving needs of the banking industry.

Key Stats

• Today's Range: $66.49 to $68.03
• 50-Day Range: $66.73 to $90.79
• 52-Week Range: $63.61 to $112.82
• Volume: 982,736 shs
• Average Volume: 1.95 million shs
• Market Capitalization: $4.22 billion
• P/E Ratio: 1,353.31
• Dividend Yield: N/A
• Price Target: $101.94
• Consensus Rating: Hold

Q2 Stock Analysis - MarketRank™

Q2 scored higher than 68% of companies evaluated by MarketBeat, and ranked 294th out of 662 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.2 / 5
• Analyst Rating: Hold

Consensus Rating

Q2 has received a consensus rating of Hold. The company's average rating score is 2.47, and is based on 9 buy ratings, 10 hold ratings, and no sell ratings.

Upside Potential

Q2 has a consensus price target of $101.94, representing about 50.7% upside from its current price of $67.65.

Amount of Analyst Coverage

Q2 has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 70.15%

Earnings Growth

Earnings for Q2 are expected to grow by 70.15% in the coming year, from $0.67 to $1.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Q2 is 1,353.31, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 222.70.

Price to Earnings Ratio vs. Sector

The P/E ratio of Q2 is 1,353.31, which means that it is trading at a more expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 448.10.

Price to Book Value per Share Ratio

Q2 has a P/B Ratio of 7.89. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.53% of the outstanding shares of Q2 have been sold short.

Short Interest Ratio / Days to Cover

Q2 has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Q2 has recently increased by 4.81%, indicating that investor sentiment is decreasing.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Q2 does not currently pay a dividend.

Dividend Growth

Q2 does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

4.53% of the outstanding shares of Q2 have been sold short.

Short Interest Ratio / Days to Cover

Q2 has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Q2 has recently increased by 4.81%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: 0.20

News Sentiment

Q2 has a news sentiment score of 0.20. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.61 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Q2 this week, compared to 8 articles on an average week.

Search Interest

9 people have searched for QTWO on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Q2 insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $650,658.00 in company stock.

Percentage Held by Insiders

Only 3.00% of the stock of Q2 is held by insiders.

QTWO Stock Analysis - Frequently Asked Questions

How have QTWO shares performed this year?

Q2's stock was trading at $100.65 at the beginning of 2025. Since then, QTWO stock has decreased by 32.8% and is now trading at $67.6520.

How were Q2's earnings last quarter?

Q2 Holdings, Inc. (NYSE:QTWO) posted its quarterly earnings results on Wednesday, February, 12th. The technology company reported $0.18 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.48 by $0.30. Q2 had a trailing twelve-month return on equity of 7.57% and a net margin of 0.66%.
Read the conference call transcript.

Does Q2 have any subsidiaries?

Q2 subsidiaries include Sensibill Inc, ClickSWITCH Holdings Inc., PrecisionLender, Gro Solutions, Cloud Lending, Unbill, Social Money, and others.

Who are Q2's major shareholders?

Q2's top institutional investors include Praxis Investment Management Inc. (0.01%). Insiders that own company stock include Matthew P Flake, R H Seale, Jeffrey T Diehl, Kirk L Coleman, Jonathan Price, Michael A Volanoski, David J Mehok, John E Breeden, Kimberly Anne Rutledge, Kimberly Rutledge, Michael S Kerr and James Offerdahl.
View institutional ownership trends.

How do I buy shares of Q2?

Shares of QTWO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Q2 own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Q2 investors own include NVIDIA (NVDA), Meta Platforms (META), Invesco QQQ (QQQ), Advanced Micro Devices (AMD), Broadcom (AVGO), Netflix (NFLX) and Adobe (ADBE).

Company Calendar

• Last Earnings: 2/12/2025
• Today: 10/05/2025
• Next Earnings (Estimated): 11/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Computer and Technology
• Industry: INTERNET SOFTWARE
• Sub-Industry: Computer Software
• Current Symbol: NYSE:QTWO
• CIK: 1410384
• Web: www.q2ebanking.com
• Phone: (833) 444-3469
• Fax: N/A
• Employees: 2,477
• Year Founded: 2004

Price Target and Rating

• Average Price Target for Q2: $101.94
• High Price Target: $126.00
• Low Price Target: $60.00
• Potential Upside/Downside: +50.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.47
• Research Coverage: 19 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.05
• Trailing P/E Ratio: 1,353.31
• Forward P/E Ratio: 100.97
• P/E Growth: N/A
• Net Income: -$38.54 million
• Net Margins: 0.66%
• Pretax Margin: 1.50%
• Return on Equity: 7.57%
• Return on Assets: 3.06%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $696.46 million
• Price / Sales: 6.07
• Cash Flow: $1.77 per share
• Price / Cash Flow: 38.31
• Book Value: $8.57 per share
• Price / Book: 7.89

Miscellaneous

• Outstanding Shares: 62,440,000
• Free Float: 62,248,000
• Market Cap: $4.22 billion
• Optionable: Optionable
• Beta: 1.47