Q2 Holdings, Inc.
QTWOTechnologyNASDAQSoftware - Application · Last scanned Jul 17, 2026
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Daily timeframeHeadquartered within the technology sector, Q2 Holdings, Inc. focuses on Software - Application services and products. Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The $3.48B market capitalization puts QTWO squarely in mid-cap range for its industry. 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.
Market Cap
$3.48B
Beta
1.33
P/E (TTM)
49.19
P/E (Fwd)
17.03
EPS (TTM)
$1.13
EPS (Fwd)
$3.26
ROE
12.8%
ROA
3.2%
Cash
$378.9M
Total Debt
$343.9M
Free CF
$179.9M
52W Change
-39.2%
Annual Financials
Cash vs Debt
With $378.9M in cash and $343.9M in debt, QTWO maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow comes in at $179.9M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 12.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 3.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $565.7M (2022) to $794.8M (2025), reflecting a 41% increase over the period.
As with any equity investment, QTWO carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Q2 Holdings, Inc. and its sector.