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Q2 Holdings, Inc. (QTWO)

New York Stock Exchange Technology Software - ApplicationView data quality →
52.9Fair

ValueMarkers Composite Index

Top 42%#25,985 of 44,707

DCF data not available

Piotroski
8/9
Strong
Beneish
-2.86
Low Risk
Altman
2.88
Grey Zone
DCF Value
-
N/A
ROIC
3.8%
Low
P/E
57.7
Growth
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

Q2 Holdings, Inc. (QTWO) — VMCI valuation read

Headline read on QTWO: VMCI of 53/100 versus a Technology sector median of 50. The 3-point above-median position is what makes Q2 Holdings, Inc. a relative-value candidate in the mid-cap cohort, before any pillar-level review.

Form 4 filings on QTWO: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.

**Investor frame.** Three reads on QTWO: value (QTWO trades at 25.0x earnings, 39% above the Technology median of 18.0x), quality (ROIC of 19.0% sits 9.0pp above the Technology median (10.0%)), and risk (net debt to EBITDA of -0.8x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Technology 12.0x baseline.

QTWO rose 0.8% over the trailing 7 days, with a +7.0% read on a 30-day basis.

Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. The company offers Q2 Consumer Banking, a browser-based digital banking solution and comprehensive financial institution branded digital banking capabilities; Q2 Small Business and Commercial, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture. It also provides Q2 Sentinel, a security analytics solution; Q2 Patrol, an event-driven validation product; Q2 SMART, a targeting and messaging platform; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information. In addition, the company offers Q2 Gro, a digital account opening, and digital sales and marketing platform; Q2 Biller Direct, a bill payment solution; ClickSWITCH allows financial institutions to direct deposits to the end user. Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; Centrix Exact/Transaction Management System, a fraud prevention tool; and Q2 Caliper Software Development Kit. Futher, it provides Q2 Contextual PFM, which allows end users to add external accounts and view them together with internal accounts on digital banking home page; Q2 Goals that enables end users to establish and save towards specific savings goals; Q2 Cloud Lending, a digital lending and leasing platform; PrecisionLender platform, a cloud-based, data-driven sales enablement, pricing, and portfolio management solution; and Q2 BaaS, a portfolio of open API financial services. 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.

CEO: Matthew Flake2,476 employeesUSwww.q2.com

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