Q2 Holdings, Inc. (QTWO) — Stock Score Summary

Q2 Holdings, Inc. (QTWO) has a MoatMap StockRank of 39/100 based on Quality (54/100), Value (38/100), and Momentum (34/100) factor scores. The current signal is HOLD. Q2 Holdings provides digital banking solutions to financial institutions. While its SaaS model suggests quality (recurring revenue, high switching costs), its growth is driven by the ongoing digitization of banking, a secular trend, not a new, unpriced macro inflection. There is no specific macro tailwind from our identified themes that creates an asymmetric opportunity for Q2 Holdings in the next 18 months.

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.

Key Financial Metrics

Price$45.16
Market Cap$3.3B
P/E (TTM)41.86
P/E (Forward)14.65
Price/Book4.48
Return on Equity12.8%
Return on Invested Capital8.2%
Debt/Equity56.22
Gross Margin55.6%
Operating Margin12.9%
Revenue Growth14.1%
Free Cash Flow$180M

Q2 Holdings, Inc. operates in the Software - Application industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Q2 Holdings, Inc.’s (QTWO) StockRank?
MoatMap’s StockRank for Q2 Holdings, Inc. (QTWO) is 39/100, with a Hold signal. It is a composite of Quality (54), Value (38), and Momentum (34) factor ranks across MoatMap’s 15,000+ stock universe.
Does Q2 Holdings, Inc. have an economic moat?
Q2 Holdings, Inc. (QTWO) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Q2 Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Q2 Holdings, Inc. (QTWO) is Hold, based on a StockRank of 39/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Q2 Holdings, Inc. in?
Q2 Holdings, Inc. (QTWO) operates in the Technology sector, specifically the Software - Application industry (United States).
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