Q2 HOLDINGS INC (QTWO)
Information Technology · financial technology software · NYSE
Q2 Holdings provides a comprehensive cloud-based digital transformation platform that powers digital banking and lending experiences for financial institutions and fintechs.
What Q2 HOLDINGS INC does
Q2 Holdings provides a cloud-based digital banking and lending platform for financial institutions and financial services companies. Its solutions enable customers to deliver secure, branded digital banking experiences, including digital account opening, lending, and fraud protection, to their end users.
Themes: digital banking transformation, fintech software, cloud banking, AI-driven fraud prevention
Fundamentals
- Price$58.69 as of 2026-10-08 close
- Market cap$3.7B as of 2026-07-29 (share count; price 2026-10-08)
- 1-year return-8.7% 2025-10-08 close $64.29 → 2026-10-08 close $58.69
- P/E42.56 as of 2026-10-08
- Net margin+6.5% FY2025, SEC XBRL
- Gross margin+54.1% FY2025, SEC XBRL
- ROE+7.9% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-02
- Revenue growth (YoY)+13.9% as of 2026-09-02
- Revenue CAGR (3y)+12.0% SEC XBRL
- Beta1.15 as of 2026-09-02
- Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)
How QTWO compares in its sector
- price-to-earnings ratiomiddle range 253 covered Information Technology peers, as of 2026-10-08
- net profit marginmiddle range 380 covered Information Technology peers, as of 2026-09-02
- operating marginmiddle range 375 covered Information Technology peers, as of 2026-09-02
- gross marginmiddle range 311 covered Information Technology peers, as of 2026-09-02
- return on equitymiddle range 370 covered Information Technology peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 385 covered Information Technology peers
- free cash flow (absolute dollars, latest fiscal year)middle range 382 covered Information Technology peers, as of FY2025
Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
QTWO is not currently in any published Top 10 list. Its scores are below.
Top 10 score
50.9 #678 of 1,379 scored · #121 of 203 in Information Technology
Financial health 89th (debt to equity 0, free cash flow margin 24.5%) and growth 67th (3-year revenue CAGR 12%, revenue growth year over year 13.9%); weakest is capital return (14th, net share count bought back over the year -8.3, consecutive years of dividend increases 0 years).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
How Q2 HOLDINGS INC looks technically
Q2 HOLDINGS INC (QTWO) is trading 5.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 27 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive). It made a new 20-day low about 9 trading days ago. It is 23.0% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 5.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +5.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $61.04 | $61.04 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $55.47 | $55.47 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 10 calendar days ago — the swings before that are what the structure reading is measured on | 10 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 27 trading days ago — a "golden cross", a bullish long-term signal | 27 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 5.8% above | +5.8% |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend) | 17.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 51.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($54.51 to $59.62) — its "stochastic" reading is 82 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 81.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 4 trading days ago (its momentum flipped positive) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $76.24 | $76.24 |
|---|---|---|
| From the 52-week high | it is 23.0% below its 52-week high (its highest price of the past year) | -23.0% |
| Above the 52-week low | it is 43.9% above its 52-week low (its lowest price of the past year) | +43.9% |
| Below the 52-week high | it is 23.0% below its highest point of the past year | 23.0% |
| Since a 20-day breakout | it made a new 20-day low about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day high about 40 trading days ago | 40 sessions |
| All-time high | its highest closing price on record is $148.56 (set on 2021-02-10) | $148.56 |
| Given back of the 52-week move | over the past year its closes ranged ($42.09 to $75.49), and it has recovered around half of its fall from last year’s high — 50% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $62.73 to $63.80. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 49.7% |
| From the all-time high | it is 60.5% below its all-time high | -60.5% |
| Nearest price level | it is trading 0.6% below a resistance level at $59.04 — a price it turned at three times since 2025-10-17, most recently on 2026-09-09. Since 2024-10-08 it has 5 such levels below the current price and 12 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.6% |
| All-time low | its lowest closing price on record is $9.62 (set on 2014-05-09) | $9.62 |
| Above the all-time low | it is 510.1% above its all-time low | +510.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 80% of it) | 20th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.87 between its high and its low — about 3.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.87 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $53.88 and $61.38 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $53.88 – $57.63 – $61.38 |
| Typical daily range (% of price) | its price moves about 3.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.2% |
| Stretch from the 200-day average | it is trading 1.7 daily ranges above its 200-day average price (5.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.94× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
3
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.1% |
|---|---|---|
| Open gap | it gapped 2.1% above the previous close 5 sessions ago and has not traded back through the level it left behind at 55.44 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.1% |
| Gap filled | a 2.1% gap up opened on 2026-09-22 has been "filled" 12 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 12 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +2.21% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.8 percentage points (the stock lost 2.8% while the market gained 1.0%) | -3.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 9.8 percentage points (the stock gained 13.6% while the market gained 3.8%) | +9.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 3.0 percentage points (the stock gained 20.4% while the market gained 17.5%) | +3.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 23.7 percentage points (the stock lost 8.7% while the market gained 15.0%) | -23.7% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thick, spanning 16.6% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $54.29 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +8.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% below the average price paid since it last reported on 2026-07-29 (its 10-Q), so the typical buyer over that stretch is under water. That average is $61.02 — a volume-weighted average of daily closes over 51 sessions, not a true tick-by-tick VWAP. | -3.8% |
Price levels it has turned at before
QTWO last closed at $58.69 on 2026-10-08. Since 2024-10-08 it has turned at 5 prices below its last close and 12 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $59.04 | Resistance | 0.6% above the last close | turned there three times · 2025-10-17 to 2026-09-09 |
| $54.42 | Support | 7.3% below the last close | turned there four times · 2026-02-04 to 2026-09-28 |
| $63.17 | Resistance | 7.6% above the last close | turned there four times · 2025-04-07 to 2026-08-21 |
| $52.83 | Support | 10.0% below the last close | turned there twice · 2026-03-10 to 2026-06-01 |
| $51.38 | Support | 12.4% below the last close | turned there twice · 2026-04-08 to 2026-07-22 |
| $67.25 | Resistance | 14.6% above the last close | turned there twice · 2026-08-14 to 2026-08-27 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · trendless / choppy (low ADX) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.62 mean, 1=Strong Buy…5=Strong Sell) — 12 analysts
- Mean price target$76.50 range $68.00 – $82.00; median $75.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for QTWO
- Consensus EPS estimate$0.7 next reporting period, as of 2026-10-04
- Estimate change, 30 days+$0.00364 (+0.5%) from $0.6964, on 2026-08-30, 35-day window
- Readings revised upward20% of 5 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Cybersecurity threats, financial transaction fraud, and data privacy breaches.","Dependence on the financial services industry, which is subject to economic volatility, consolidation, and regulatory changes.","Challenges in managing growth and the complexity of implementing solutions for large customers."]
What changed in the latest 10-Q
AI-assisted comparison of QTWO's 10-Q filed 2026-04-29 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to fiscal year ended December 31, 2025 and Form 10-K filed February 11, 2026 (newer filing dated 2026-04-29)
- Discussion of 'risk and fraud solutions' as standalone offering
- Phrase 'account holders and retail and commercial End Users' added to describe customer base
- Statement about 'Digital financial services are highly regulated, subject to extensive and evolving supervisory, consumer protection, privacy and third-party risk management requirements'
- Reference to 'unified, cloud-based software platform purpose-built for the complex, regulated financial services industry'
- Phrase 'Our platform architecture supports modular innovation and enables customers and partners to deploy new capabilities efficiently while maintaining operational resilience and compliance'
- Discussion of 'advancements in data analytics, automation, and AI' driving industry transformation
- Phrase 'modern, fast, flexible technology platforms that can support innovation while meeting stringent regulatory, security and resiliency requirements'
- Removed:
- Reference to fiscal year ended December 31, 2024 and Form 10-K filed February 12, 2025 (older filing dated 2025-11-05)
- Phrase 'broad market acceptance of our solutions' (changed to 'broad market adoption')
- Description of Q2 Innovation Studio as 'leverages Q2's open technology platform to enable a partnership ecosystem, allowing the design, development and distribution of innovative products, services, features and integrations on Q2's digital banking platform'
- Explicit mention of 'Helix serves as a cloud-native core and banking as a service, or BaaS, solution' in overview section
- Phrase 'purpose-build our platforms and solutions to enable success for our customers and partners by allowing them to digitize their operations and offerings, differentiate their digital brands, integrate traditional and emerging financial services and ultimately, enhance their End-User acquisition, engagement and retention and improve their operational efficiencies and profitability'
- Phrase 'This integrated approach allows our customers to deliver unified and robust financial experiences across digital channels' (word 'robust' removed)
- Reference to 'our data center and cloud-based hosting infrastructure and resources are designed to comply'
- Reworded:
- Changed 'broad market acceptance' to 'broad market adoption' in newer filing
- Changed 'engage with End Users' to 'engage with account holders and retail and commercial End Users' in Overview section
- Restructured description of solutions portfolio - moved explicit Helix and Q2 Innovation Studio details from Overview to later in section
- Added more detailed technical platform description in newer filing regarding modular innovation and operational resilience
- Changed description of financial services transformation to include 'advancements in data analytics, automation, and AI are increasing the importance of modern, fast, flexible technology platforms' (not in older filing)
- Notes:
- Text appears truncated at end of both filings; full revenue recognition language not visible for comparison
- Some structural reorganization of content occurred between filings, making direct line-by-line comparison challenging
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 3 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 1 sell ($38771) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 3 sells ($6M) — 3 selling insiders
- Last 180 days · read to 2026-10-040 buys · 6 sells ($7M) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-11. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about QTWO's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
6 institutional 13F filers reported holding QTWO as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 6
- Reported shares held 13,567,520
- Reported value $652,597,717
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about QTWO's institutional holders → See what each manager we track holds →
Short interest (FINRA)
QTWO had 5,229,570 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
QTWO had 8.39% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.05 days to cover at the same settlement.
- Reported short interest (shares) 5,229,570
- Short interest (% of shares outstanding) 8.39%
- Prior settlement (shares) 5,357,058
- Reported change -2.38%
- Days to cover (reported) 10.05
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Jack Henry & Associates (JKHY)
- FIS (FIS)
- Fiserv
- nCino (NCNO)
- Temenos (TEMN)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Q2 HOLDINGS INC (QTWO) do?
Q2 Holdings provides a cloud-based digital banking and lending platform for financial institutions and financial services companies. Its solutions enable customers to deliver secure, branded digital banking experiences, including digital account opening, lending, and fraud protection, to their end users.
What sector is Q2 HOLDINGS INC (QTWO) in?
Q2 HOLDINGS INC (QTWO) is classified in the Information Technology sector. Its industry is financial technology software. It trades on NYSE.
Who are Q2 HOLDINGS INC's (QTWO) competitors?
Notable peers of Q2 HOLDINGS INC (QTWO) include Jack Henry & Associates, FIS, Fiserv, nCino and Temenos. This peer set is informational only — not financial advice.
Is Q2 HOLDINGS INC (QTWO) overbought or oversold right now?
Q2 HOLDINGS INC (QTWO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on QTWO come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.