Q2 Holdings Performance degli utili passati
Criteri Il passato verificati 3/6
Q2 Holdings ha registrato una crescita degli utili a un tasso medio annuo di 45.3%, mentre il settore Software ha registrato utili in crescita a un tasso medio annuo di 22.4%. I ricavi sono stati in crescita a un tasso medio annuo di 11.8%. Il ritorno sul capitale proprio di Q2 Holdings è 12.1% e ha margini netti di 9%.
Informazioni chiave
45.33%
Tasso di crescita degli utili
46.08%
Tasso di crescita dell'EPS
| Software Crescita del settore | 17.33% |
| Tasso di crescita dei ricavi | 11.81% |
| Rendimento del capitale proprio | 12.08% |
| Margine netto | 8.99% |
| Ultimo aggiornamento sugli utili | 31 Mar 2026 |
Aggiornamenti sulle prestazioni recenti
Recent updates
Aggiornamento della narrazione • May 10
QTWO: AI Disruption Fears Could Set Up Digital Banking Upside
Q2 Holdings' updated analyst price target has been trimmed by about $1, reflecting a mix of target reductions from several firms and one $4 upward revision. Analysts are weighing sector wide concerns about software competitive moats and AI driven disruption.Seeking Alpha • May 01
Q2 Holdings: A Sticky Software Business With Margin Expansion
Summary Q2 Holdings demonstrates solid fundamentals, margin expansion, and intelligent capital allocation, but valuation limits near-term upside. QTWO's Q1'26 saw 16% subscription revenue growth, 420 bps gross margin expansion to 62.1%, and record EBITDA margins, driven by cloud migration completion. The fraud solutions cross-sell is gaining traction, with a major deal closed and a real-time data advantage underpinning future monetization. Despite peer-relative discounts on P/E and revenue, implementation timeline risk and back-half weighted enterprise pipeline warrant patience before adding aggressively. Read the full article on Seeking AlphaAggiornamento della narrazione • Apr 20
QTWO: AI Competitive Concerns May Set Up Digital Banking Repricing
The analyst price target for Q2 Holdings has been trimmed by about $1 to $75, as analysts factor in sector wide software target cuts tied to concerns around AI driven competitive pressures while still reflecting supportive views from recent upgrades. Analyst Commentary Recent Street research around Q2 Holdings reflects a split view, with some analysts turning more constructive on the shares while others trim price targets in response to sector wide software concerns tied to AI.Aggiornamento della narrazione • Apr 06
QTWO: AI Moat Concerns And Digital Asset Expansion May Drive Repricing
Analysts have reduced their average price target on Q2 Holdings by $25 to $75, reflecting a sector-wide reset for vertical software as AI competition, valuation and moat durability come under closer scrutiny. Analyst Commentary Recent Street research around Q2 Holdings clusters around a common theme of resetting expectations, with analysts reworking price targets and ratings as they reassess how AI competition, valuation and competitive moats fit together for vertical software names.Aggiornamento della narrazione • Mar 23
QTWO: AI Moat Reassessment And 2026 Guidance May Support Future Upside
Analysts have trimmed their price targets on Q2 Holdings, with one key target moving from $100 to $75 as they reassess competitive moats in light of rapid AI adoption and broader weakness across vertical software names. Analyst Commentary Recent research on Q2 Holdings reflects a mix of caution and selective optimism, with several firms adjusting price targets and one upgrade on valuation.Aggiornamento della narrazione • Mar 08
QTWO: AI Moat Questions And 2026 Outlook Should Support Future Upside
Analysts have trimmed their average price target for Q2 Holdings to about $76 from roughly $100, citing sector wide cuts across vertical software as AI adoption raises fresh questions about competitive moats and the durability of existing business models. Analyst Commentary Recent research on Q2 Holdings points to a mixed setup, with price targets coming down but a split between those who see current levels as attractive and those who are more cautious about execution and competitive risk.Aggiornamento della narrazione • Feb 22
QTWO: AI Moat Concerns And 2026 Guidance Should Support Future Share Gains
Analysts have trimmed their average price target on Q2 Holdings from about $89 to roughly $76. This reflects sector wide cuts in vertical software as they reassess competitive moats and defensibility in light of rapid AI adoption.Articolo di analisi • Feb 18
We Think Q2 Holdings' (NYSE:QTWO) Profit Is Only A Baseline For What They Can Achieve
Q2 Holdings, Inc.'s ( NYSE:QTWO ) earnings announcement last week was disappointing for investors, despite the decent...Aggiornamento della narrazione • Feb 07
QTWO: Strong Bookings And 2026 Guidance Should Support Future Share Gains
Analysts have made a small downward tweak to their price target for Q2 Holdings to roughly $89 per share, reflecting slightly higher discount-rate assumptions and a lower forward P/E multiple, even as they highlight ongoing support from valuation-focused upgrades and prior research citing solid bookings and positive longer term guidance. Analyst Commentary Recent research on Q2 Holdings reflects a mix of optimism about execution and bookings, alongside some caution on valuation and discount-rate assumptions.Aggiornamento della narrazione • Jan 24
QTWO: Strong Bookings And Margin Expansion Should Support Future Share Gains
Analysts trimmed their average price target on Q2 Holdings by a small amount to reflect sector wide multiple compression and modest adjustments to growth and margin assumptions, even as recent research continues to highlight strong Q3 execution and solid bookings trends. Analyst Commentary Street research on Q2 Holdings has been mixed, with some analysts trimming price targets to reflect sector wide valuation changes while still recognizing solid execution in the latest quarter.Aggiornamento della narrazione • Jan 10
QTWO: Lower Rates And Bank Tech Spending Should Support Future Margin Expansion
Analysts have made a modest upward adjustment to their price targets on Q2 Holdings, with changes such as DA Davidson moving to $82 and others resetting to a range of $82 to $90 following strong Q3 revenue, margin performance, solid bookings, and updated long-term guidance, while also factoring in broader software valuation resets. Analyst Commentary Recent research on Q2 Holdings highlights a mix of optimism about execution and growth, alongside some caution tied largely to sector valuation resets and spending uncertainty.Aggiornamento della narrazione • Dec 24
QTWO: Lower Rates Will Drive Digital Banking Demand And Margin Expansion
Analysts made modest downward adjustments to their price targets on Q2 Holdings, trimming estimates by up to about $25 per share as they balance the company’s stronger than expected Q3 revenue and margin performance, along with a constructive 2026 outlook, against a reset in software sector valuations and concerns about a potentially softer spending environment. Analyst Commentary Analysts are digesting Q2 Holdings recent performance and updated outlook by fine tuning their price targets while largely maintaining a constructive stance on the company’s execution and growth prospects.Aggiornamento della narrazione • Dec 10
QTWO: Lower Rates Will Drive Digital Banking Demand And Share Repurchases
Analysts have modestly trimmed their average price target on Q2 Holdings to about $90 per share from roughly $96 previously, citing a reset in software valuation multiples despite continued outperformance in Q3 bookings, revenue growth and margin expansion, as well as a constructive long term outlook tied to banks increasing digital investment in a lower rate environment. Analyst Commentary Street research following Q3 results reflects a mix of optimism around Q2 Holdings execution and growth, tempered by a reset in software valuations and concerns about the broader spending environment.Aggiornamento della narrazione • Nov 26
QTWO: Strong Bookings And Efficiency Gains Will Drive Performance As Rates Decline
Analysts have slightly reduced their average price target for Q2 Holdings, trimming it by less than $1 to approximately $89.71. They are factoring in robust Q3 performance while adjusting for sector-wide valuation pressures and evolving growth expectations.Aggiornamento della narrazione • Nov 11
QTWO: Lower Rates Will Support Rebound As Efficiency Gains Drive Profitability
Q2 Holdings' average analyst price target has been reduced from approximately $101 to $90. Analysts cite strong recent performance, but also note lower software sector valuations and expectations for a more moderate growth environment ahead.Articolo di analisi • Nov 08
Results: Q2 Holdings, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
Shareholders of Q2 Holdings, Inc. ( NYSE:QTWO ) will be pleased this week, given that the stock price is up 17% to...Aggiornamento della narrazione • Oct 28
Digital Banking Sector Opportunities Will Expand Amid Shifting Rate Environment
Q2 Holdings' analyst price target has been lowered by $20 to $90, as analysts cite recent share underperformance and expectations of a less robust spending environment amid changing interest rates. However, opportunities for technology investment remain noted.Articolo di analisi • Oct 14
Some Confidence Is Lacking In Q2 Holdings, Inc. (NYSE:QTWO) As Shares Slide 25%
To the annoyance of some shareholders, Q2 Holdings, Inc. ( NYSE:QTWO ) shares are down a considerable 25% in the last...Articolo di analisi • Aug 07
Q2 Holdings' (NYSE:QTWO) Performance Is Even Better Than Its Earnings Suggest
Investors were underwhelmed by the solid earnings posted by Q2 Holdings, Inc. ( NYSE:QTWO ) recently. We have done some...Articolo di analisi • Jul 25
Is It Time To Consider Buying Q2 Holdings, Inc. (NYSE:QTWO)?
Q2 Holdings, Inc. ( NYSE:QTWO ), might not be a large cap stock, but it saw a significant share price rise of 24% in...Articolo di analisi • Jun 22
Would Q2 Holdings (NYSE:QTWO) Be Better Off With Less Debt?
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...Articolo di analisi • May 27
Q2 Holdings, Inc.'s (NYSE:QTWO) CEO Will Probably Have Their Compensation Approved By Shareholders
Key Insights Q2 Holdings' Annual General Meeting to take place on 3rd of June Total pay for CEO Matt Flake includes...Nuova narrazione • May 08
Fraud And Risk Solutions Will Unlock Future Market Potential
Expansion in fraud and risk solutions is expected to drive growth, enhancing revenue through greater customer adoption amidst increasing fraud activity.Articolo di analisi • Apr 23
Subdued Growth No Barrier To Q2 Holdings, Inc.'s (NYSE:QTWO) Price
You may think that with a price-to-sales (or "P/S") ratio of 6.5x Q2 Holdings, Inc. ( NYSE:QTWO ) is a stock to avoid...Seeking Alpha • Apr 16
Q2 Holdings: Bull Case Centers On Margin Expansion And Land-And-Expand Strength
Summary Q2 Holdings posted strong 2024 financials with 11.5% revenue growth, expanding margins, and a net profit, reinforcing my 'Buy' rating. The company's successful land-and-expand strategy drives significant customer revenue growth, implying healthy net revenue retention and fueling operating leverage. Q2's valuation is justified by its superior growth compared to peers, with potential for multiple expansion as margins and cash flow improve. Despite tech sector risks, Q2's focus on consumer banking software positions it well to maintain high retention and combat macro software headwinds. Read the full article on Seeking AlphaArticolo di analisi • Apr 08
What Is Q2 Holdings, Inc.'s (NYSE:QTWO) Share Price Doing?
Q2 Holdings, Inc. ( NYSE:QTWO ), might not be a large cap stock, but it received a lot of attention from a substantial...Articolo di analisi • Mar 08
A Look At The Fair Value Of Q2 Holdings, Inc. (NYSE:QTWO)
Key Insights Q2 Holdings' estimated fair value is US$75.28 based on 2 Stage Free Cash Flow to Equity Q2 Holdings...Seeking Alpha • Mar 03
Q2 Holdings Is Rightfully Dropping Amid Valuation Concerns (Technical Analysis)
Summary With basically all indications being bearish, the technical outlook for Q2 Holdings stock seems dismal at this point. Most recent earnings and guidance were strong, as growth in revenue is expected to stay at above average levels. However, the P/S ratio shows overvaluation in the stock versus historic growth and to peers, leading me to conclude that the fundamental setup is unattractive. Therefore, I initiate QTWO stock at a sell rating as the technicals are bearish, and the valuation is detached from reality. Read the full article on Seeking AlphaSeeking Alpha • Feb 24
Q2 Holdings: Buy This Little-Known Software Company As It Ramps Up RPOs And EBITDA
Summary Q2 Holdings has retreated somewhat after its Q4 earnings print, creating a well-timed buying opportunity. Q2 Holdings has a large $23 billion TAM, strong land-and-expand model, and balanced growth/margin strategy, making it a solid long-term hold. The company achieved 13% year-over-year revenue growth and 21% year-over-year RPO growth in Q4, while also planning for ~4 points of annual adjusted EBITDA margin expansion through FY26. The stock trades at a very reasonable ~7x forward revenue multiple, leaving plenty of room for upside. Read the full article on Seeking AlphaSeeking Alpha • Jan 25
Q2 Holdings: Justifying A Modest Premium With Major Profit Inflection
Summary Q2 Holdings, a vertical software provider for financial services, is a good buy ahead of the Q4 earnings season. The company's share price has doubled in the past year, and it offers a compelling AI copilot product for bankers, enhancing workflow and compliance. Q2 Holdings has a large market opportunity, with only 3% penetration of its $23 billion addressable market and significant cross-sell potential within its existing customer base. Importantly, the company is forecasting 300-400bps of adjusted EBITDA margin expansion through FY26, alongside mid-teens growth. The company is reasonably valued at ~7x forward revenue, trading in-line with software industry bellwethers like Salesforce. Read the full article on Seeking AlphaArticolo di analisi • Jan 15
Is Q2 Holdings (NYSE:QTWO) Using Too Much Debt?
Warren Buffett famously said, 'Volatility is far from synonymous with risk.' So it seems the smart money knows that...Seeking Alpha • Jan 11
Q2 Holdings: Capitalizing On Banking Consolidation For Topline Expansion
Summary In 3Q24, QTWO generated $175 million in revenues, up 12.9% y/y. As compared to the same period last year, operating and net margin increased by 549 bps and, 1056 bps. QTWO has multiple initiatives that put it on track to achieve profitability by FY2026. It's land-and-expand strategy will continue to increase subscription revenues, while operation optimization will improve margins. In the next two to three years, the US banking industry consolidation will help QTWO attain higher quality customers. Valuation analysis suggests that QTWO stock is undervalued, with a potential upside of close to 38.80%. Read the full article on Seeking AlphaSeeking Alpha • Dec 25
Q2 Holdings: Signs Of Slowing Growth And Fully Valued Premium Make It A Hold
Summary Q2 Holdings has shown strong market performance and revenue growth, but its high valuation and potential slower growth in 2025 suggest a Hold rating. The company's unique cloud-based solutions for small banks and a growing customer base support its stable revenue and long-term contracts. Despite improving operating margins and reducing net debt, QTWO's gross margins remain low, and future revenue growth is uncertain. QTWO's valuation appears high compared to peers, with a forward P/E ratio and EV/revenue multiple above industry averages, making it hard to justify a Buy. Read the full article on Seeking AlphaSeeking Alpha • Dec 09
Q2 Holdings Looks Vulnerable Into 2025
Summary Q2 Holdings (QTWO) has surged 155% in 2024, but its rapid rise and overbought status prompt a Strong Sell rating. Despite strong earnings growth, Q2's valuation at 43X 2026 earnings and PEG ratio of 1.8 suggest it's fully valued. Q2's gross margins are stagnant at 50%, limiting operating margin improvements and raising concerns about long-term profitability. High valuation metrics and potential growth deceleration in 2025 make Q2 a risky investment, with shorting as a possible strategy. Read the full article on Seeking AlphaArticolo di analisi • Oct 29
Pinning Down Q2 Holdings, Inc.'s (NYSE:QTWO) P/S Is Difficult Right Now
You may think that with a price-to-sales (or "P/S") ratio of 7.8x Q2 Holdings, Inc. ( NYSE:QTWO ) is a stock to avoid...Seeking Alpha • Oct 09
Q2 Holdings: Expanding Margins And Tangible Momentum Make It A Buy
Summary I recommend a 'Buy' rating for Q2 Holdings due to their expanding margins, tangible momentum, and fair valuation. The company has shown significant margin expansion and strong cash generation despite slower top-line growth. Q2's valuation metrics, including EV/Revenue and Price/Cash Flow, are reasonable given their momentum and potential for exceeding expectations. Insider ownership is low, with significant insider selling, but some insiders are still buying, indicating confidence in Q2's future performance. Read the full article on Seeking AlphaRipartizione dei ricavi e delle spese
Ripartizione dei ricavi e delle spese
Come Q2 Holdings guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.
Storico di utili e ricavi
| Data | Ricavi | Utili | Spese G+A | Spese di R&S |
|---|---|---|---|---|
| 31 Mar 26 | 822 | 74 | 232 | 158 |
| 31 Dec 25 | 795 | 52 | 233 | 154 |
| 30 Sep 25 | 770 | 32 | 235 | 149 |
| 30 Jun 25 | 743 | 5 | 237 | 147 |
| 31 Mar 25 | 721 | -20 | 239 | 146 |
| 31 Dec 24 | 696 | -39 | 237 | 143 |
| 30 Sep 24 | 676 | -57 | 237 | 142 |
| 30 Jun 24 | 655 | -68 | 234 | 139 |
| 31 Mar 24 | 637 | -79 | 233 | 138 |
| 31 Dec 23 | 625 | -65 | 231 | 137 |
| 30 Sep 23 | 609 | -80 | 230 | 137 |
| 30 Jun 23 | 599 | -84 | 228 | 136 |
| 31 Mar 23 | 585 | -86 | 220 | 133 |
| 31 Dec 22 | 566 | -109 | 212 | 130 |
| 30 Sep 22 | 551 | -102 | 195 | 126 |
| 30 Jun 22 | 533 | -106 | 183 | 124 |
| 31 Mar 22 | 516 | -111 | 173 | 121 |
| 31 Dec 21 | 499 | -113 | 165 | 117 |
| 30 Sep 21 | 476 | -125 | 158 | 112 |
| 30 Jun 21 | 453 | -120 | 151 | 105 |
| 31 Mar 21 | 427 | -129 | 145 | 99 |
| 31 Dec 20 | 403 | -138 | 145 | 97 |
| 30 Sep 20 | 381 | -115 | 143 | 92 |
| 30 Jun 20 | 357 | -107 | 135 | 88 |
| 31 Mar 20 | 337 | -86 | 130 | 84 |
| 31 Dec 19 | 315 | -71 | 121 | 76 |
| 30 Sep 19 | 296 | -67 | 115 | 72 |
| 30 Jun 19 | 277 | -57 | 109 | 65 |
| 31 Mar 19 | 258 | -49 | 102 | 58 |
| 31 Dec 18 | 241 | -35 | 94 | 51 |
| 30 Sep 18 | 226 | -29 | 88 | 46 |
| 30 Jun 18 | 215 | -26 | 84 | 44 |
| 31 Mar 18 | 204 | -25 | 81 | 42 |
| 31 Dec 17 | 194 | -26 | 78 | 40 |
| 30 Sep 17 | 184 | -28 | 76 | 38 |
| 30 Jun 17 | 173 | -32 | 74 | 36 |
| 31 Mar 17 | 161 | -34 | 71 | 34 |
| 31 Dec 16 | 150 | -36 | 68 | 32 |
| 30 Sep 16 | 138 | -37 | 64 | 31 |
| 30 Jun 16 | 128 | -35 | 59 | 28 |
| 31 Mar 16 | 118 | -30 | 54 | 25 |
| 31 Dec 15 | 109 | -25 | 50 | 22 |
| 30 Sep 15 | 101 | -21 | 47 | 18 |
| 30 Jun 15 | 94 | -19 | 44 | 16 |
Guadagni di qualità: QTWO ha guadagni di alta qualità.
Margine di profitto in crescita: QTWO è diventata redditizia in passato.
Flusso di cassa libero e analisi degli utili
Analisi della crescita degli utili nel passato
Andamento degli utili: QTWO è diventata redditizia negli ultimi 5 anni, aumentando i guadagni del 45.3% all'anno.
Accelerare la crescita: QTWO è diventata redditizia nell'ultimo anno, rendendo difficile confrontare il tasso di crescita degli utili con la media quinquennale.
Guadagni vs Settore: QTWO è diventata redditizia nell'ultimo anno, rendendo difficile confrontare la crescita dei suoi utili dell'anno passato con il settore Software ( 11.2% ).
Rendimento del capitale proprio
ROE elevato: Il Return on Equity ( 12.1% ) di QTWO è considerato basso.
Rendimento delle attività
Rendimento del capitale investito
Scoprire le aziende con forti performance passate
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/18 03:33 |
| Prezzo dell'azione a fine giornata | 2026/05/18 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Q2 Holdings, Inc. è coperta da 25 analisti. 14 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Joseph Vruwink | Baird |
| Gary Prestopino | Barrington Research Associates, Inc. |
| Matthew VanVliet | BTIG |