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Q2 Holdings

NYQ:QTWO · US74736L1098
SoftwareMedium

360

80
EV / EBIT44
Price / Owner Earnings24
Owner Earnings Yield57
Dividend Yield1
Price/Sales53
EV / Gross Profit40
Price/Book51
Return on Capital49
Cash Return on Capital69
Return on Equity59
EBIT Margin46
Gross Profitability50
Cash Conversion74
Accruals79
Owner Earnings Margin55
Sales growth48
Profit Growth55
Owner Earnings Growth81
Reinvestment98
Price momentum18
Debt load34
Refinancing30
Debt Payback100
Liquidity81
Analyst ratings77
Opinion Changes50
Price Target Upside86
Market mood79
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Q2 Holdings generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustrySoftware
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2005
Employees2
Websiteq2.com
ISINUS74736L1098
Last UpdateApr 2, 2026
Index & Theme
Software DevelopmentRegTechAnti-FraudProcess AutomationData IntegrationCloud InfrastructureBankingElectronicsFinancial ServicesSoftware

Description

Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, or FinTechs, and alternative finance companies, or Alt-FIs, seeking to incorporate banking into their customer engagement and servicing strategies…

Analysis

Middle-of-the-road

Q2 Holdings, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is expensive. The owner-earnings multiple stands at 29.1×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Flags to be aware of: A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
56
2023202420252026

All-time high

74

Jan 2024

All-time low

34

Jan 2025

Average rank

55

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
53
29
44
40
Price/Earnings
52
32
55
20
Price/Book
51
34
48
51
Dividend Yield
1
1
1
1
Value (overall)
50
25
38
27

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →