QTWO
Strong BuyPremium GrowerAI neutralQ2 Holdings, Inc. · Technology · United States · $4.3B cap · $46.1M/day traded
$69.39 +0.1% · close 23 Oct · scored 24 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 28 Oct: the next-year EPS estimate has risen 4.4% over the last 14 weeks.
As of 24 Oct 2026, MoatMap's StockRank for Q2 Holdings, Inc. (QTWO) is 88/100, ranked against 24,000+ stocks in 35 markets (Quality 71, Value 35, Momentum 82, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Q2 Holdings sells digital banking and lending software to US banks and credit unions. It has sticky, high-switching-cost relationships and is now profitable with a buyback, and it scores well on quality and momentum. Valuation is full, insiders have been net sellers, and the news flow offers no specific catalyst to show that the market is underpricing its growth.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT Q2 HOLDINGS, INC.
Read
Q2 Holdings provides a comprehensive cloud-based digital banking platform to financial institutions, enabling seamless online, mobile, and voice banking experiences. It benefits from deep expertise in digital banking technology, offering a robust, secure, and scalable platform critical for customer attraction and retention, supported by a sticky, subscription-based model. Q2 is a leading technology provider in the digital transformation of financial services, empowering regional and community institutions to compete effectively.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 565.7M | 624.6M | 696.5M | 794.8M | 12.0% | 846.2M | 885.1M | 975.2M | 10.8% |
| EPS | -1.90 | -1.12 | -0.64 | 0.84 | — | 1.41 | 0.97 | 1.16 | 17.4% |
| Shares | 57.7M | 59.0M | 60.7M | 62.7M | +8.7% | 62.4M | — | — | — |
| Debt | 733.3M | 548.9M | 543.0M | 346.8M | -22.1% | — | — | — | — |
| Equity | 419.0M | 448.5M | 517.8M | 661.8M | 16.5% | — | — | — | — |
| Op CF | 36.6M | 70.3M | 135.8M | 201.5M | 76.6% | 226.3M | — | — | — |
| Inv CF | -165.6M | 113.3M | -21.1M | -4.0M | — | — | — | — | — |
| Fin CF | 5.9M | -152.0M | 13.3M | -189.0M | — | — | — | — | — |
Above its 200-day average and 9% below its 52-week high.
Swung more than 54% of stocks we rank over the past year (44% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of QTWO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| QTWO | Q2 Holdings, Inc.(you) | $4.3B | 88 | Strong Buy |
| DAVE | Dave Inc. | $4.5B | 89 | Strong Buy |
| FRSH | Freshworks Inc. | $4.0B | 87 | Strong Buy |
| ALRM | Alarm.com Holdings, Inc. | $3.1B | 88 | Strong Buy |
| YOU | Clear Secure, Inc. | $4.7B | 83 | Strong Buy |
| SPSC | SPS Commerce, Inc. | $3.3B | 92 | Strong Buy |
| NATL | NCR Atleos Corporation | $3.5B | 82 | Strong Buy |
| BLKB | Blackbaud, Inc. | $2.5B | 88 | Strong Buy |
| PLUS | ePlus inc. | $2.5B | 85 | Strong Buy |
| WK | Workiva Inc. | $4.7B | 73 | Buy |
Peer medians: ROE 4.7% · P/E 32.6x · Gross margin 52.1%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.