Q2 HOLDINGS INC (QTWO)
Information Technology · Digital banking and financial services software · NYSE
Q2 is a mission-critical cloud platform transforming digital banking and financial services delivery for the world's largest banks and fintechs.
What Q2 HOLDINGS INC does
Q2 is a leading provider of cloud-based digital banking and financial services software to banks, credit unions, fintechs, and alternative finance companies. The company's unified platform enables financial institutions to deliver digital banking experiences, manage lending and pricing, handle risk and fraud prevention, and serve retail, SMB, and commercial customers. As of December 31, 2025, Q2 served over 1,200 financial institution customers, including more than 50% of the top 100 U.S. banks and credit unions, with approximately 27.3 million account holders executing over $4.0 trillion in annual transactions on the platform.
Themes: ["Digital banking transformation","Cloud-based financial services software","Fintech and Alt-Fi enablement","Fraud detection and risk management","AI in financial services","Regulatory compliance and data privacy","Banking-as-a-Service (BaaS)","Core processing and legacy system integration"]
Fundamentals
- Price$52.14 as of 2026-07-09 close
- Market cap$3.2B as of 2026-07-10
- 1-year return-45.1% as of 2026-07-09 close
- P/E43.77 as of 2026-07-10
- Net margin+9.0% as of 2026-07-10
- Gross margin+55.6% as of 2026-07-10
- ROE+11.9% as of 2026-07-10
- Debt / equity0.50 as of 2026-07-10
- Revenue growth (YoY)+14.0% as of 2026-07-10
- Revenue CAGR (3y)+12.0% SEC XBRL
- Beta1.37 as of 2026-07-10
Key risks (from latest filing)
["Cybersecurity threats and data breaches pose significant risk to customer financial data and platform availability, with increasing sophistication from AI-enabled threat actors and social engineering attacks.","Macroeconomic uncertainty, inflationary pressures, interest rate fluctuations, and instability in the financial services industry (including banking sector M&A) create headwinds for customer spending decisions and fintech/Alt-Fi viability, which are more vulnerable to downturns than traditional financial institutions.","Increased competition from existing and new entrants in digital banking, lending, and financial services software markets, combined with complexity in managing growth, long sales cycles, and longer implementation timelines for larger enterprise customers."]
Competitors & peers
- Fiserv
- FIS (Fidelity National Information Services)
- SS&C Technologies
- Finastra
- Temenos
- Jack Henry & Associates
- Alkami Technology
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.