Q2 Holdings (0Q2) Stock Overview

Provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. More details

0Q2 fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	5/6
Past Performance	3/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 25.3% below our estimate of its fair value

Earnings are forecast to grow 53.58% per year

Became profitable this year

Analysts in good agreement that stock price will rise by 30.5%

Risk Analysis

Shares are highly illiquid

Significant insider selling over the past 3 months

0Q2 Community Fair Values

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Q2 Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Q2 Holdings
Historical stock prices
Current Share Price	US$58.50
52 Week High	US$60.00
52 Week Low	US$58.50
Beta	1.36
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-3.31%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	0Q2	DE Software	DE Market
7D	-0.8%	5.2%	1.5%
1Y	n/a	-13.8%	16.6%

Return vs Industry: Insufficient data to determine how 0Q2 performed against the German Software industry.

Return vs Market: Insufficient data to determine how 0Q2 performed against the German Market.

Price Volatility

Is 0Q2's price volatile compared to industry and market?
0Q2 volatility
0Q2 Average Weekly Movement	n/a
Software Industry Average Movement	6.1%
Market Average Movement	5.1%
10% most volatile stocks in DE Market	12.6%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: 0Q2's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine 0Q2's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2004	2,477	Matt Flake	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.

Q2 Holdings, Inc. Fundamentals Summary

How do Q2 Holdings's earnings and revenue compare to its market cap?
0Q2 fundamental statistics
Market cap	€3.71b
Earnings (TTM)	€27.24m
Revenue (TTM)	€660.81m

135.6x

P/E Ratio

5.6x

P/S Ratio

Is 0Q2 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0Q2 income statement (TTM)
Revenue	US$769.63m
Cost of Revenue	US$358.89m
Gross Profit	US$410.74m
Other Expenses	US$379.01m
Earnings	US$31.73m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.51
Gross Margin	53.37%
Net Profit Margin	4.12%
Debt/Equity Ratio	79.3%

How did 0Q2 perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/13 15:27
End of Day Share Price	2026/01/13 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Q2 Holdings, Inc. is covered by 27 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Joseph Vruwink	Baird
Gary Prestopino	Barrington Research Associates, Inc.
Matthew VanVliet	BTIG