What is Q2 Holdings, Inc.'s (QTWO) StockRank?

MoatMap's StockRank for Q2 Holdings, Inc. (QTWO) is 60/100, with a Hold signal. This is a composite score combining Quality (63), Value (37), and Momentum (54) factor ranks across MoatMap's 20,000+ stock universe.

Does Q2 Holdings, Inc. have an economic moat?

Q2 Holdings, Inc. (QTWO) has a Quality factor score of 63/100. 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 financial 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 60/100. 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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QTWO

HOLD

Q2 Holdings, Inc. · Technology · United States · $3.4B · Avg Vol: $48M/d

StockRank

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P/E (TTM)

49.2x

ROE

12.8%

D/E

0.6x

Dividend %

—

COMPANY DESCRIPTION

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%	821.6M	879.8M	969.3M	10.4%
EPS	-1.90	-1.12	-0.64	0.84	—	1.13	0.94	1.11	15.0%
Shares	57.7M	59.0M	60.7M	62.7M	+8.7%	62.6M	—	—	—
Debt	733.3M	548.9M	543.0M	346.8M	-22.1%	343.9M	—	—	—
Equity	419.0M	448.5M	517.8M	661.8M	16.5%	—	—	—	—
Op CF	36.6M	70.3M	135.8M	201.5M	76.6%	214.3M	—	—	—
Inv CF	-165.6M	113.3M	-21.1M	-4.0M	—	—	—	—	—
Fin CF	5.9M	-152.0M	13.3M	-189.0M	—	—	—	—	—

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PRICE (1Y)+32.5%

SMA 50SMA 200

$58.15

RSI (14)

61.6

52W High

$92.66

From 52W High

0.6%

SCORE BREAKDOWN

Quality

ROIC

8.2%56.3

ROE

12.8%69.1

GP/Assets

35.8%77.3

Op. Margin

12.9%70.0

FCF/Assets

14.1%88.3

Piotroski

780.2

Int. Cover

11.1x49.6

D/E Ratio

0.56x25.5

Current Ratio

0.93x8.7

Value

P/E (TTM)

49.2x35.1

EV/EBITDA

35.7x27.7

P/FCF

19.0x64.1

P/B

5.7x25.2

P/S

4.2x38.4

Div Yield

—N/A

Momentum

52W High %

63%43.5

RS 6M

-23%39.2

SMA 50/200

0.85x18.6

EPS Rev 4W

+1.1%88.5

EPS Rev 12W

-2.1%21.8

EPS Improve

+189%75.2

Q Growth

461%94.1

FUNDAMENTALS

Market Cap

$3.4B

P/E (Forward)

17.0x

Gross Margin

55.6%

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)	$3.4B	60	HOLD
OCTV	Octave Intelligence plc	$4.4B	60	HOLD
CVLT	Commvault Systems, Inc.	$5.9B	57	HOLD
LYFT	Lyft, Inc.	$5.4B	65	BUY
AGYS	Agilysys, Inc.	$2.8B	70	BUY
FRSH	Freshworks Inc.	$2.8B	71	BUY
FSLY	Fastly, Inc.	$3.2B	46	HOLD
APPF	AppFolio, Inc.	$5.8B	65	BUY
DUOL	Duolingo, Inc.	$5.7B	55	HOLD
EVCM	EverCommerce Inc.	$2.0B	66	BUY

Peer medians: ROE 7.5% · P/E 37.2x · Gross margin 53.1%