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QTWO | NYSE

$62.45 $0.28 | 0.45%
TREND SIGNAL:Signal available — unlock to view |2026-10-15

Next Earnings: Oct 28, 2026

Company Overview:

Market Cap: $3.90B
Trailing PE: 44.6x
FWD PE *: 20.2x
Payout Ratio (TTM): —
52-Week Range: $40.79 - $76.24

* Forward PE is based on street estimates.

1.8 Year QTWO Performance Metrics:

Total Return (with DRIP): -33.1% (-20.00% CAGR)
Total Return (no DRIP): -33.1% (-20.00% CAGR)
Share Price: -33.1% (-20.00% CAGR)
Yield on Cost (with DRIP): —
Total Invested: $10,000
Total Value (with DRIP): $6,692
Total Return $ (with DRIP): -$3,308
QTWO Total Return
1M 3M 6M YTD 1Y 3Y 5Y 10Y
QTWO Price Chart
1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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QTWO Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

QTWO - Revenue
QTWO Revenue CAGR:1Y: 12.61%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Earnings Per Share (EPS)
QTWO EPS CAGR:1Y: 155.56%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Net Income
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QTWO Net Income CAGR:1Y: 153.81%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - EBITDA
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QTWO EBITDA CAGR:1Y: 45.78%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Free Cash Flow
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QTWO Free Cash Flow CAGR:1Y: 12.83%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Free Cash Flow / Share
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QTWO Free Cash Flow / Share CAGR:1Y: 12.73%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Operating Income
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QTWO Operating Income CAGR:1Y: 198.18%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Gross Profit
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QTWO Gross Profit CAGR:1Y: 24.52%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Shares Outstanding
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QTWO Shares Outstanding CAGR:1Y: -4.27%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Share Buybacks
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QTWO Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Stock-Based Comp
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QTWO Stock-Based Comp CAGR:1Y: -8.63%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Expenses
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QTWO Expenses CAGR:1Y: -52.72%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Revenue vs Net Income
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QTWO - EPS vs FCF / Share
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QTWO - EPS vs PE Ratio
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QTWO - FCF vs FCF / Share
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QTWO - FCF vs Stock Based Comp
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QTWO - Cash & Debt
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QTWO - Revenue by Segment
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QTWO Revenue CAGR:1Y: 12.61%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

QTWO - REVENUE: Actual + Estimates
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QTWO Actual Revenue CAGR:1Y: 12.61%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - EPS: Actual + Estimates
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QTWO Actual EPS CAGR:1Y: 155.56%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - NET INCOME: Actual + Estimates
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QTWO Actual Net Income CAGR:1Y: 153.81%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - EBITDA: Actual + Estimates
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QTWO Actual EBITDA CAGR:1Y: 45.78%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

QTWO - Net Profit Margin
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QTWO Net Profit Margin CAGR:1Y: 125.37%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Gross Profit Margin
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QTWO Gross Profit Margin CAGR:1Y: 10.58%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Price to Earnings
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QTWO Price to Earnings CAGR:1Y: -79.66%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Price To Sales Ratio
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QTWO Price To Sales Ratio CAGR:1Y: -54.32%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Return on Capital Employed
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QTWO Return on Capital Employed CAGR:1Y: 174.45%2Y: 0.00%5Y: 0.00%10Y: 0.00%
QTWO - Return on Invested Capital
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QTWO Return on Invested Capital CAGR:1Y: 443.20%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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Projected Future Returns & Dividends for QTWO

Based on past 1.8-year performance, here are QTWO growth metrics:

Share price CAGR of -20%
Dividend CAGR of +0%

Using QTWO CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

QTWO (DRIP)QTWO - No DRIP
Current Price$62.45$62.45
Start Shares160.13160.13
Start Value$10,000$10,000
  
After 10 years:
Final Share Count160.13160.13
Dividends Payment$0.00$0.00
Annual Dividends$0$0
Yield on cost0.00%0.00%
Share Price$20.46$62.45
Total Dividends$0$0
Final Value$3,277$10,000

Estimated Future Value + Dividends - QTWO

NOTE: Above numbers are our estimate based on QTWO's Dividend and Price CAGR over past 1.8 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Q2 Holdings, Inc. (QTWO) had its IPO on 2014-03-20, and is traded on NYSE stock exchange.

Q2 Holdings, Inc. provides a comprehensive array of cloud-based digital banking platforms, primarily serving regional and community financial institutions (RCFIs) across the United States. Its extensive product lineup covers various facets of digital finance. For consumers, the company offers Q2 Consumer Banking, a browser-accessible solution featuring fully branded digital banking capabilities. Businesses, both small and commercial, can utilize Q2 Small Business and Commercial, a dedicated digital banking platform optimized for mobile and tablet devices. Furthermore, Q2mobile Remote Deposit Capture streamlines the process of depositing checks remotely. Beyond core banking functionality, Q2 also delivers specialized solutions. These include Q2 Sentinel for advanced security analytics and Q2 Patrol, an event-driven validation product. To enhance customer engagement, Q2 provides the SMART platform for targeting and messaging. Q2 CardSwap facilitates automatic updates of payment information for account holders receiving new cards, while Q2 Gro serves as a versatile platform for digital account opening, sales, and marketing. For bill payments, there's Q2 Biller Direct, and ClickSWITCH empowers financial institutions to manage and redirect direct deposits for end-users. The company's portfolio extends to robust risk and transaction management tools under the Centrix brand: a Dispute Tracking System for electronic transaction dispute resolution, a Payments I.Q. System for monitoring ACH files and reporting on risks, and an Exact/Transaction Management System designed for fraud prevention. Developers are also supported by the Q2 Caliper Software Development Kit. Enhancing personal financial management, Q2 Contextual PFM allows users to integrate and view both external and internal accounts directly on their digital banking homepage. Q2 Goals assists users in establishing and progressing towards specific savings objectives. Lending and leasing operations are supported by Q2 Cloud Lending, a digital platform, and PrecisionLender, a cloud-native, data-driven solution for sales enablement, pricing, and portfolio management. Additionally, Q2 BaaS offers a suite of open API financial services. Founded in 2004 and headquartered in Austin, Texas, the company originally operated as CBG Holdings, Inc. before changing its name to Q2 Holdings, Inc. in March 2013.

QTWO website: https://www.q2.com


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DCF Model — QTWO

Value from:
Pay up to today
—
vs current price $62.45
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →