QTWO
NEUTRAL
$51.23
Live
Q2 Holdings, Inc. · NYSE
Target $74.31
(+45.0%)
$44.65
52W Range
$96.68
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 02, 2026
Market cap
$3.21B
P/E
45.34
ROE
12.8%
Profit margin
9.0%
Debt/Equity
0.56
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
QTWO presents a conflicted profile with a stable Piotroski F-Score of 6/9, yet it trades at a significant premium to its Graham Number ($16.38) and Intrinsic Value ($33.33). While analysts maintain a 'strong_buy' rating with a target of $74.31 and the Forward P/E (15.86) suggests significant earnings expansion, the current PEG ratio of 8.35 indicates severe overvaluation relative to growth. This fundamental tension is compounded by a bearish technical trend and aggressive insider selling by the CEO and other officers.
Key Strengths
Strong gross margins (55.58%) typical of scalable software models
Consistent revenue growth (14.10% YoY)
Significant compression in Forward P/E (15.86) compared to trailing P/E (45.34)
Stable financial health as indicated by a Piotroski F-Score of 6/9
Strong analyst consensus with a target price (~$74) well above current levels
Key Risks
Severe overvaluation based on PEG ratio (8.35) and Graham Number
Liquidity concerns with a Current Ratio (0.93) and Quick Ratio (0.82) below 1.0
Strongly bearish insider sentiment with $16.92M in sales and zero buys
Negative technical momentum (0/100 trend score) and 35% 1-year price decline
High trailing P/E (45.34) makes the stock sensitive to any earnings miss
AI Fair Value Estimate
Based on comprehensive analysis
$36.5
-28.8% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
41
Moderate
30
70
40
65
0
AI Verdict
Speculative Growth
Key drivers: Forward earnings expectations, Insider divestment, Valuation gap vs Intrinsic Value
Confidence
80%
Value
30/100
Current price $51.23 vs Graham $16.38 and Intrinsic $33.33
Positives
- Low Forward P/E
Watchpoints
- Price far exceeds Graham Number
- High PEG ratio
- High P/B ratio
Future
70/100
Growth is present but priced at a massive premium
Positives
- Steady revenue growth
- Strong analyst targets
- High YoY earnings growth
Watchpoints
- Recent Q/Q EPS growth decline (-7.4%)
Past
40/100
Stock is in a primary downtrend from 52-week highs
Positives
- Long-term 3Y growth (+127%)
Watchpoints
- Poor 1Y performance (-35%)
- Bearish 6M trend
Health
65/100
Stable operational health but tight short-term liquidity
Positives
- Piotroski F-Score 6/9
- Manageable Debt/Equity (0.56)
Watchpoints
- Current Ratio < 1.0
- Quick Ratio < 1.0
Dividend
0/100
Growth-oriented company with 0% payout
Positives
No standout positives identified.
Watchpoints
- No dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$51.23
Analyst Target
$74.31
Upside/Downside
+45.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for QTWO and closest competitors.
Updated 2026-05-01
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
QTWO
Q2 Holdings, Inc.
Primary
|
-50.3% | +127.7% | -35.3% | -17.1% | +8.1% | +3.6% |
|
MNDY
monday.com Ltd.
Peer
|
-65.5% | -52.9% | -74.9% | -67.1% | -17.1% | -7.5% |
|
SYNA
Synaptics Incorporated
Peer
|
-37.3% | -12.7% | +69.7% | +14.4% | +16.9% | +12.3% |
|
NATL
NCR Atleos Corporation
Peer
|
+93.3% | +93.3% | +57.0% | +20.4% | +4.4% | -2.2% |
|
BL
BlackLine, Inc.
Peer
|
-60.8% | -23.5% | -12.2% | -5.2% | -7.6% | +0.8% |
QTW
Q2 Holdings, Inc.
Primary
5Y
-50.3%
3Y
+127.7%
1Y
-35.3%
6M
-17.1%
1M
+8.1%
1W
+3.6%
MND
monday.com Ltd.
Peer
5Y
-65.5%
3Y
-52.9%
1Y
-74.9%
6M
-67.1%
1M
-17.1%
1W
-7.5%
SYN
Synaptics Incorporated
Peer
5Y
-37.3%
3Y
-12.7%
1Y
+69.7%
6M
+14.4%
1M
+16.9%
1W
+12.3%
NAT
NCR Atleos Corporation
Peer
5Y
+93.3%
3Y
+93.3%
1Y
+57.0%
6M
+20.4%
1M
+4.4%
1W
-2.2%
BL
BlackLine, Inc.
Peer
5Y
-60.8%
3Y
-23.5%
1Y
-12.2%
6M
-5.2%
1M
-7.6%
1W
+0.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
45.34
Forward P/E
15.86
PEG Ratio
8.35
P/B Ratio
4.86
P/S Ratio
3.9
EV/Revenue
3.86
EV/EBITDA
32.58
Market Cap
$3.21B
Profitability
Profit margins and return metrics
Profit Margin
8.99%
Operating Margin
12.9%
Gross Margin
55.58%
ROE
12.77%
ROA
3.17%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.1%
Earnings Growth
+471.4%
Q/Q Revenue Growth
+14.11%
Q/Q Earnings Growth
+460.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.56
Moderate
Current Ratio
0.93
Weak
Quick Ratio
0.82
Poor
Cash/Share
$6.05
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q1 2026
Revenue
$0.2B
Gross Margin
59.1%
Op. Margin
13.0%
Net Margin
12.3%
Total Assets
$1.2B
Liabilities
$0.6B
Equity
$0.6B
Debt/Equity
1.04x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
78%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-29
$N/A
2026-04-29
$0.63
-8.7% surprise
2026-02-11
$0.68
+11.1% surprise
2025-11-05
$0.64
+13.4% surprise
Technology Sector Comparison
Comparing QTWO against 621 companies in the Technology sector
(49 bullish, 222 neutral, 350 bearish)
P/E Ratio
45.34
This Stock
vs
79.5
Sector Avg
-43.0%
(Discount)
Return on Equity (ROE)
12.77%
This Stock
vs
-30.82%
Sector Avg
-141.4%
(Below Avg)
Profit Margin
8.99%
This Stock
vs
-11.78%
Sector Avg
-176.3%
(Weaker)
Debt to Equity
0.56
This Stock
vs
0.77
Sector Avg
-27.0%
(Less Debt)
Revenue Growth
14.1%
This Stock
vs
3985.35%
Sector Avg
-99.6%
(Slower)
Current Ratio
0.93
This Stock
vs
3.7
Sector Avg
-74.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
QTWO
Q2 Holdings, Inc.
|
NEUTRAL | $3.21B | 45.34 | 12.8% | 9.0% | $51.23 | |
|
MNDY
monday.com Ltd.
|
BULLISH | $3.18B | 27.54 | 10.4% | 9.6% | $61.69 | Compare |
|
SYNA
Synaptics Incorporated
|
NEUTRAL | $3.24B | - | -4.5% | -5.4% | $83.06 | Compare |
|
NATL
NCR Atleos Corporation
|
NEUTRAL | $3.28B | 20.78 | 51.8% | 3.7% | $44.47 | Compare |
|
BL
BlackLine, Inc.
|
BEARISH | $3.29B | 48.25 | 22.2% | 11.1% | $53.08 | Compare |
QTWO
Q2 Holdings, Inc.
NEUTRAL
Mkt Cap
$3.2B
P/E
45.3
ROE
12.8%
Price
$51.23
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-11 | FLAKE MATTHEW P | Chief Executive Officer | Stock Award | 192,716 | - |
| 2026-03-11 | KERR MICHAEL SCOTT | General Counsel | Stock Award | 36,616 | - |
| 2026-03-11 | KERR MICHAEL SCOTT | General Counsel | Sale | 2,071 | $104,233 |
| 2026-03-11 | COLEMAN KIRK L | Officer | Stock Award | 67,452 | - |
| 2026-03-11 | MUKKAMALA HIMAGIRI K | Chief Operating Officer | Stock Award | 77,088 | - |
| 2026-03-11 | BREEDEN JOHN E | Officer | Stock Award | 57,816 | - |
| 2026-03-11 | BREEDEN JOHN E | Officer | Sale | 8,924 | $449,234 |
| 2026-03-11 | RUTLEDGE KIMBERLY ANNE | Officer | Stock Award | 43,362 | - |
| 2026-03-11 | RUTLEDGE KIMBERLY ANNE | Officer | Sale | 3,187 | $160,529 |
| 2026-03-11 | PRICE JONATHAN | Chief Financial Officer | Stock Award | 96,358 | - |
| 2026-03-09 | FLAKE MATTHEW P | Chief Executive Officer | Sale | 20,613 | $1,058,478 |
| 2026-03-09 | KERR MICHAEL SCOTT | General Counsel | Sale | 12,375 | $638,418 |
| 2026-03-09 | COLEMAN KIRK L | Officer | Sale | 10,849 | $557,096 |
| 2026-03-09 | MUKKAMALA HIMAGIRI K | Chief Operating Officer | Sale | 1,343 | $68,963 |
| 2026-03-09 | BREEDEN JOHN E | Officer | Sale | 74,783 | $3,866,216 |
FLAKE MATTHEW P
Chief Executive Officer
2026-03-11
192,716 shares
KERR MICHAEL SCOTT
General Counsel
2026-03-11
36,616 shares
KERR MICHAEL SCOTT
General Counsel
2026-03-11
2,071 shares
·
$104,233
COLEMAN KIRK L
Officer
2026-03-11
67,452 shares
MUKKAMALA HIMAGIRI K
Chief Operating Officer
2026-03-11
77,088 shares
BREEDEN JOHN E
Officer
2026-03-11
57,816 shares
BREEDEN JOHN E
Officer
2026-03-11
8,924 shares
·
$449,234
RUTLEDGE KIMBERLY ANNE
Officer
2026-03-11
43,362 shares
RUTLEDGE KIMBERLY ANNE
Officer
2026-03-11
3,187 shares
·
$160,529
PRICE JONATHAN
Chief Financial Officer
2026-03-11
96,358 shares
FLAKE MATTHEW P
Chief Executive Officer
2026-03-09
20,613 shares
·
$1,058,478
KERR MICHAEL SCOTT
General Counsel
2026-03-09
12,375 shares
·
$638,418
COLEMAN KIRK L
Officer
2026-03-09
10,849 shares
·
$557,096
MUKKAMALA HIMAGIRI K
Chief Operating Officer
2026-03-09
1,343 shares
·
$68,963
BREEDEN JOHN E
Officer
2026-03-09
74,783 shares
·
$3,866,216
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
10-Q
10-K
8-K
10-Q
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
13 analysts
JP Morgan
2026-04-30
Overweight
Overweight
Needham
2026-04-30
Buy
Buy
DA Davidson
2026-04-28
Buy
Buy
Baird
2026-04-07
Neutral
Outperform
JP Morgan
2026-02-18
Overweight
Overweight
RBC Capital
2026-02-12
Sector Perform
Sector Perform
Cantor Fitzgerald
2026-02-12
Overweight
Overweight
Truist Securities
2026-02-12
Buy
Buy
Needham
2026-02-12
Buy
Buy
DA Davidson
2026-02-03
Neutral
Buy
Past News Coverage
Recent headlines mentioning QTWO from our newsroom.
Newest → oldest
No matching news yet.