QTWO Share Price | Q2 Holdings, Inc. Stock Analysis & Recommendation

Q: What does Q2 Holdings, Inc. do?

Overview: Q2 Holdings, Inc. is a provider of cloud-based digital banking solutions, operating within the Computers - Software & Consulting industry and categorized as a small-cap company.Financial Snapshot: Most recent Net Sales: 190 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 5 Million (Quarterly Results - Mar 2025) Market cap: USD 5,358.75 Million (Small Cap)Key Metrics: P/E: NA (Loss Making) Industry P/E: NA Dividend Yield: 0.00% Debt Equity: 0.03 Return on Equity: -2.24% Price to Book: 9.82Contact Details: Address: 13785 N Highway 183 Ste 150, AUSTIN TX: 78750-1889 Tel: ['1 512 2750072', '1 512 6824463'] Website: http://investors.q2ebanking.com/

Q: Is Q2 Holdings, Inc. technically bullish or bearish?

As of 19 September 2025, the technical trend for Q2 Holdings, Inc. has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength indicated by the weekly MACD and moving averages both showing bearish signals. The Bollinger Bands present a mixed view, being mildly bearish on the weekly and bullish on the monthly. The KST and Dow Theory also reflect bearish conditions on the weekly timeframe. In terms of performance, Q2 Holdings has underperformed the S&P 500 across multiple periods, with a year-to-date return of -21.71% compared to the S&P 500's 13.31%. Over the past year, it has returned -3.37% against the S&P 500's 16.64%.

Q: Is Q2 Holdings, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Q2 Holdings, Inc. moved from expensive to attractive, indicating a shift towards a more favorable assessment. Based on the available metrics, the company appears to be undervalued. Key ratios include a Price to Book Value of 10.43, an EV to Sales ratio of 7.91, and an EV to EBITDA of 89.20, which suggest that the company is trading at a discount relative to its potential value.In comparison to peers, Q2 Holdings has a significantly higher P/E ratio of 460.47 compared to Pegasystems, Inc. at 48.13, which is considered fair, and Box, Inc. at 21.43, which is also attractive. Despite the attractive valuation grade, Q2 Holdings has underperformed in recent returns, with a year-to-date decline of 40.53% compared to a 13.30% gain in the S&P 500, highlighting the disconnect between its valuation and market performance.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

260.36 k

Shareholding (Dec 2025)

FII

14.92%

Held by 157 FIIs

DII

25.08%

Held by 69 DIIs

Promoter

0.45%

How big is Q2 Holdings, Inc.?

22-Jun-2025

As of Jun 18, Q2 Holdings, Inc. has a market capitalization of $5.36 billion, with net sales of $720.69 million and a net loss of $19.95 million over the latest four quarters. As of Dec 24, the company reported shareholder's funds of $517.80 million and total assets of $1.29 billion.

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What does Q2 Holdings, Inc. do?

22-Jun-2025

Q2 Holdings, Inc. provides cloud-based digital banking solutions and has a market cap of approximately $5.36 billion. As of March 2025, it reported net sales of $190 million and a net profit of $5 million.

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Who are in the management team of Q2 Holdings, Inc.?

22-Jun-2025

As of March 2022, the management team of Q2 Holdings, Inc. includes Executive Chairman and Founder Robert Seale, President and CEO Matthew Flake, and several Independent Directors: R. Lynn Atchison, Jeffrey Diehl, Charles Doyle, Stephen Hooley, and James Offerdahl. They oversee the company's strategic direction and operations.

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Is Q2 Holdings, Inc. technically bullish or bearish?

23-Sep-2025

As of September 19, 2025, Q2 Holdings, Inc. is in a bearish trend with moderate strength, underperforming the S&P 500 year-to-date by -21.71% compared to its 13.31% gain.

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Is Q2 Holdings, Inc. overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, Q2 Holdings, Inc. has shifted from an expensive to an attractive valuation grade, indicating it may be undervalued despite a high P/E ratio of 460.47 and a year-to-date decline of 40.53%, contrasting with the S&P 500's 13.30% gain.

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Compare Q2 Holdings, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

With a growth in Operating Profit of 131.12%, the company declared Outstanding results in Jun 25

The company has declared positive results for the last 9 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 177.52 MM
ROCE(HY) Highest at 0.92%
DEBT-EQUITY RATIO (HY) Lowest at 0.94 %

With ROE of -2.24%, it has a risky valuation with a 10.43 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Computers - Software & Consulting

Market cap

USD 3,054 Million (Small Cap)

P/E

53.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-0.18

Return on Equity

8.67%

Price to Book

4.61

Revenue and Profits:

Net Sales:

208 Million

(Quarterly Results - Dec 2025)

Net Profit:

20 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-34.43%

6 Months

-36.66%

1 Year

-38.63%

2 Years

-5.37%

3 Years

113.48%

4 Years

-22.94%

5 Years

-53.94%

Q2 Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

14.56%

EBIT Growth (5y)

20.54%

EBIT to Interest (avg)

-6.83

Debt to EBITDA (avg)

3.68

Net Debt to Equity (avg)

0.03

Sales to Capital Employed (avg)

0.69

Tax Ratio

49.56%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

4.61

EV to EBIT

64.24

EV to EBITDA

25.48

EV to Capital Employed

5.43

EV to Sales

3.69

PEG Ratio

0.20

Dividend Yield

ROCE (Latest)

8.46%

ROE (Latest)

8.67%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 98 Schemes (59.48%)

Foreign Institutions

Held by 157 Foreign Institutions (14.92%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val1": "5.40",
          "val2": "4.90",
          "chgp": "10.20%",
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          "val1": "-5.70",
          "val2": "-7.60",
          "chgp": "25.00%",
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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

208.20

183.00

13.77%

Operating Profit (PBDIT) excl Other Income

24.90

11.00

126.36%

Interest

1.20

Exceptional Items

-1.40

-2.40

41.67%

Consolidate Net Profit

20.40

0.20

10,100.00%

Operating Profit Margin (Excl OI)

87.90%

4.50%

8.34%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is 13.77% vs 12.89% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is 10,100.00% vs 101.10% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

794.80

696.50

14.11%

Operating Profit (PBDIT) excl Other Income

115.10

48.20

138.80%

Interest

5.40

4.90

10.20%

Exceptional Items

-5.70

-7.60

25.00%

Consolidate Net Profit

52.00

-38.50

235.06%

Operating Profit Margin (Excl OI)

57.40%

-49.70%

10.71%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 14.11% vs 11.51% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 235.06% vs 41.13% in Dec 2024

All Annual Results

Company CV

About Q2 Holdings, Inc.

Q2 Holdings, Inc.

Computers - Software & Consulting

Q2 Holdings, Inc. is a provider of cloud-based digital banking solutions. The Company enables regional and community financial institutions (RCFIs), to deliver a suite of integrated digital banking services. The Company's solutions all operate on a common platform that supports the delivery of unified digital banking services across online, mobile and voice channels. Its platform provides a single point of management enabling RCFIs to deliver targeted experiences, including tailored rights, features and branding to account holders. Its cloud-based solutions and common platform provide its RCFI customers with a view of account holder access and activity across devices and channels. Its solutions include Q2online, Q2 Risk & Fraud Analytics, Q2 Corporate, Q2 SMART, Q2mobility Application, Q2mobile Remote Deposit Capture, Q2text, Q2themes, Q2clarity, Centrix Dispute Tracking System (DTS), Centrix Payments I.Q. System (PIQS), and Centrix Exact/Transaction Management System (Exact/TMS).

Company Coordinates

Company Details

13785 N Highway 183 Ste 150 , AUSTIN TX : 78750-1889

Tel: 1 512 27500721 512 6824463

http://investors.q2ebanking.com/

Registrar Details