QTWO | Ticker Profile - Titan Protect

QTWO

Q2 Holdings, Inc.

Technology · Software - Application · NYQ

$45.71

Data: 2026-05-28

✓ ETHICAL PASS

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.8B

Total market value of the company

Trailing P/E

39.74

Expensive — high growth expected

Forward P/E

13.91

Based on estimated future earnings — lower means cheaper

Rev Growth

+14.1%

Year-over-year revenue change

Profit Margin

9.0%

How much profit the company keeps from each dollar of revenue

ROE

12.8%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$75.00

+64% from current price — median analyst estimate

Recommendation

STRONG_BUY

Consensus view from 13 analysts covering this stock

About Q2 Holdings, Inc.

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 support financial institutions' efforts to protect end users, comply with regulatory requirements and manage fraud risk efficiently. It also provides Q2 Innovation Studio, an application program interface and software development kit based open technology platform that allows financial institution customers, FinTechs, and other partners to deploy customized experiences and 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. In addition, the company offers digital lending and relationship pricing solutions that support financial institutions, FinTechs and Alt-FIs in managing lending workflows, pricing strategies and customer relationships across commercial and consumer use cases, as well as offers loans, deposits and fee-based products. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas.

https://www.q2.com

Country: United States Employees: 2,548 Industry: Software - Application

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% PASS

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

-0.178

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.0154

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.253

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-15.1%

Historical annualised return based on price data

Max Drawdown

-59.7%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.39

Moves slightly more than the broader market

52W High

$96.68

53% below the year high

52W Low

$44.46

3% above the year low

Avg Volume

882,542

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.9

Days it would take all short sellers to cover — higher means more crowded

Short % Float

6.4%

Moderate short interest

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$1.13

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

56.22

Heavy leverage — higher financial risk if revenues decline

Current Ratio

0.93

Below 1 means short-term obligations exceed liquid assets — risk flag

Quick Ratio

0.82

Like current ratio but excludes inventory — stricter test

Gross Margin

55.6%

Revenue left after cost of goods — higher means pricing power

Operating Margin

12.9%

Profit from core operations before interest and tax

Free Cash Flow

$180M

Positive — the business generates more cash than it spends

Revenue (TTM)

$822M

Total revenue over the last 12 months

Net Income

$74M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$82.00

Target Median

$75.00

Target Low

$63.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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