Q2 Holdings (QTWO) Aandelenoverzicht
Q2 Holdings, Inc. levert digitale oplossingen aan financiële instellingen, financiële technologiebedrijven, FinTechs en alternatieve financieringsbedrijven (Alt-FI's) in de Verenigde Staten. Meer informatie
| Sneeuwvlok Score | |
|---|---|
| Waardering | 4/6 |
| Toekomstige groei | 4/6 |
| Prestaties in het verleden | 3/6 |
| Financiële gezondheid | 5/6 |
| Dividenden | 0/6 |
QTWO Community Fair Values
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Analyst Price Targets
Q2 Holdings, Inc. Concurrenten
Prijsgeschiedenis en prestaties
| Historische aandelenkoersen | |
|---|---|
| Huidige aandelenkoers | US$42.85 |
| 52 Week Hoogtepunt | US$96.68 |
| 52 Week Laag | US$42.28 |
| Bèta | 1.34 |
| 1 maand verandering | -9.27% |
| 3 maanden verandering | -11.08% |
| 1 Jaar Verandering | -51.83% |
| 3 jaar verandering | 46.85% |
| 5 jaar verandering | -60.36% |
| Verandering sinds IPO | 182.47% |
Recent nieuws en updates
Narratiefupdate • Jun 16
QTWO: Best Of Breed AI Adoption Will Support Digital Banking Upside
Analysts have made a modest adjustment to their outlook on Q2 Holdings, trimming the average price target by about $0.06 to reflect slightly higher discount rate assumptions and a small shift in expected profitability, while still pointing to the company’s focused digital banking model and recent inclusion on a "Best-of-Breed" list as key supports for the thesis. Analyst Commentary Recent research on Q2 Holdings highlights a mix of optimism around the company’s digital banking focus and execution, alongside some caution reflected in recalibrated price targets and assumptions.Narratiefupdate • Jun 02
QTWO: Best Of Breed Positioning And AI Tools Will Support Digital Banking Upside
The analyst price target for Q2 Holdings has shifted modestly by $5 as firms weigh the company's inclusion on DA Davidson's "Best-of-Breed Bison List" and recent commentary around its focused digital banking model, strong bookings track record, and updated risk reward views. Analyst Commentary Recent Street research around Q2 Holdings highlights a mix of optimism about the business model and bookings trends, alongside more cautious revisions to valuation assumptions.Recent updates
Narratiefupdate • Jun 16
QTWO: Best Of Breed AI Adoption Will Support Digital Banking Upside
Analysts have made a modest adjustment to their outlook on Q2 Holdings, trimming the average price target by about $0.06 to reflect slightly higher discount rate assumptions and a small shift in expected profitability, while still pointing to the company’s focused digital banking model and recent inclusion on a "Best-of-Breed" list as key supports for the thesis. Analyst Commentary Recent research on Q2 Holdings highlights a mix of optimism around the company’s digital banking focus and execution, alongside some caution reflected in recalibrated price targets and assumptions.Narratiefupdate • Jun 02
QTWO: Best Of Breed Positioning And AI Tools Will Support Digital Banking Upside
The analyst price target for Q2 Holdings has shifted modestly by $5 as firms weigh the company's inclusion on DA Davidson's "Best-of-Breed Bison List" and recent commentary around its focused digital banking model, strong bookings track record, and updated risk reward views. Analyst Commentary Recent Street research around Q2 Holdings highlights a mix of optimism about the business model and bookings trends, alongside more cautious revisions to valuation assumptions.Narratiefupdate • 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 AlphaNarratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Analyseartikel • 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...Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Analyseartikel • 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...Narratiefupdate • 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.Analyseartikel • 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...Analyseartikel • 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...Analyseartikel • 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...Analyseartikel • 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...Analyseartikel • 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...Nieuw narratief • 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.Analyseartikel • 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 AlphaAnalyseartikel • 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...Analyseartikel • 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 AlphaAnalyseartikel • 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 AlphaRendement voor aandeelhouders
| QTWO | US Software | US Markt | |
|---|---|---|---|
| 7D | -1.1% | -1.9% | 1.7% |
| 1Y | -51.8% | -18.3% | 25.1% |
Rendement versus industrie: QTWO presteerde slechter dan de US Software -sector, die het afgelopen jaar een rendement van -18.6 % opleverde.
Rendement versus markt: QTWO presteerde slechter dan US Market, dat het afgelopen jaar een rendement van 23.3 % opleverde.
Prijsvolatiliteit
| QTWO volatility | |
|---|---|
| QTWO Average Weekly Movement | 7.4% |
| Software Industry Average Movement | 10.0% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.1% |
Stabiele aandelenkoers: QTWO heeft de afgelopen 3 maanden geen significante prijsvolatiliteit gekend vergeleken met de US markt.
Volatiliteit in de loop van de tijd: De wekelijkse volatiliteit ( 7% ) van QTWO is het afgelopen jaar stabiel geweest.
Over het bedrijf
| Opgericht | Werknemers | CEO | Website |
|---|---|---|---|
| 2004 | 2,549 | Matt Flake | www.q2.com |
Q2 Holdings, Inc. levert digitale oplossingen aan financiële instellingen, financiële technologiebedrijven, FinTechs en alternatieve financieringsbedrijven (Alt-FI's) in de Verenigde Staten. Het bedrijf biedt het Digital Banking Platform, een end-to-end digitaal bankplatform dat klanten van financiële instellingen ondersteunt bij het aanbieden van functionaliteiten voor particulieren, het MKB en bedrijven via digitale kanalen; en risico- en fraudeoplossingen die zijn ontworpen ter ondersteuning van de inspanningen van financiële instellingen om eindgebruikers te beschermen, te voldoen aan wettelijke vereisten en frauderisico's efficiënt te beheren. Het bedrijf biedt ook Q2 Innovation Studio, een op een applicatieprogramma-interface en software development kit gebaseerd open technologieplatform waarmee klanten van financiële instellingen, FinTechs en andere partners op maat gemaakte ervaringen en financiële diensten kunnen implementeren voor eindgebruikers; en Helix, een cloud-native, real-time core processing platform dat de diensten en functionaliteit voor bedrijven en financiële instellingen combineert.
Q2 Holdings, Inc. Samenvatting
| QTWO fundamentele statistieken | |
|---|---|
| Marktkapitalisatie | US$2.74b |
| Inkomsten(TTM) | US$73.89m |
| Inkomsten(TTM) | US$821.58m |
36.3x
Koers/Winstverhouding3.3x
P/S-verhoudingIs QTWO overgewaardeerd?
Zie Reële waarde en waarderingsanalyseInkomsten en omzet
| QTWO resultatenrekening (TTM) | |
|---|---|
| Inkomsten | US$821.58m |
| Kosten van inkomsten | US$364.97m |
| Brutowinst | US$456.61m |
| Overige uitgaven | US$382.71m |
| Inkomsten | US$73.89m |
Laatst gerapporteerde inkomsten
Mar 31, 2026
Volgende inkomensdatum
n.v.t.
| Winst per aandeel (EPS) | 1.18 |
| Brutomarge | 55.58% |
| Nettowinstmarge | 8.99% |
| Schuld/Eigen Vermogen Verhouding | 49.6% |
Hoe presteerde QTWO op de lange termijn?
Bekijk historische prestaties en vergelijkingBedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/06/18 03:23 |
| Aandelenkoers aan het einde van de dag | 2026/06/18 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
|
|
| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
|
* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina, we hebben ook handleidingen over hoe u onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
Q2 Holdings, Inc. wordt gevolgd door 23 analisten. 13 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Joseph Vruwink | Baird |
| Gary Prestopino | Barrington Research Associates, Inc. |
| Matthew VanVliet | BTIG |