US · QTWO
Q2 Holdings, Inc.
- Sector
- Technology · Software - Application
- Headquarters
- Austin, TX 78729
- Website
- q2.com
Price · as of 2025-12-31
$51.23
Market cap 3B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $60.15 | +17.41% |
| Intrinsic Value(DCF) | $36.42 | -28.91% |
| Graham-Dodd Method(GD) | $6.58 | -87.16% |
| Graham Formula(GF) | $18.17 | -64.54% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $0.00 | $0.00 | |||
| 2013 | $0.00 | $0.00 | |||
| 2014 | $21.36 | $43.45 | $349.05 | $0.00 | $0.00 |
| 2015 | $21.42 | $95.10 | $281.86 | $0.00 | $0.00 |
| 2016 | $35.20 | $44.47 | $370.13 | $0.00 | $0.00 |
| 2017 | $48.10 | $44.62 | $286.90 | $0.00 | $0.00 |
| 2018 | $68.41 | $57.20 | $171.56 | $0.00 | $0.00 |
| 2019 | $69.75 | $56.86 | $105.86 | $0.00 | $0.00 |
| 2020 | $111.84 | $218.78 | $105.87 | $0.00 | $0.00 |
| 2021 | $56.00 | $357.04 | $103.51 | $0.00 | $0.00 |
| 2022 | $27.27 | $30.47 | $20.95 | $0.00 | $0.00 |
| 2023 | $48.94 | $39.82 | $4.70 | $0.00 | $0.00 |
| 2024 | $75.90 | $52.29 | $5.34 | $0.00 | $0.00 |
| 2025 | $50.24 | $60.15 | $14.61 | $6.58 | $18.17 |
AI valuation
Our deep-learning model estimates Q2 Holdings, Inc.'s (QTWO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $60.15
- Current price
- $51.23
- AI upside
- +17.41%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$36.42
-28.91% upside
Graham-Dodd
$6.58
-87.16% upside
Graham Formula
$18.17
-64.54% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| QTWO | Q2 Holdings, Inc. | $51.23 | 3B | +17% | -29% | -87% | -65% | 60.04 | 4.72 | 3.93 | 26.95 | — | 44.25 | 54.05% | 5.74% | 6.54% | 8.82% | 6.92% | 4.05% | 0.52 | 8.44 | 1.02 | 0.81 | -0.19 | -22500.00% | 1412.00% | 5082.00% | 6.23% | 0.37 | 31.03% | 0.00% | 0.00% | 6.76% | 67.95 | 15.93 | 3.90 | 3.13 |
| AGYS | Agilysys, Inc. | $72.17 | 2.03B | +16% | +11% | -87% | -73% | 133.84 | 11.69 | 11.28 | 87.66 | — | 48.23 | 62.40% | 8.20% | 8.43% | 9.25% | 11.52% | 5.92% | 0.18 | 14.78 | 1.11 | 0.98 | -0.74 | -7413.00% | 1607.00% | 3067.00% | 1.68% | 0.50 | 29.47% | 0.00% | 0.00% | 0.09% | 136.44 | 58.89 | 11.18 | 12.43 |
| BL | BlackLine, Inc. | $35.25 | 2.18B | +153% | -53% | — | -82% | 87.59 | 6.46 | 3.07 | 21.88 | — | -9.24 | 75.21% | 4.77% | 3.50% | 6.29% | 3.88% | 1.37% | 2.83 | 3.29 | 1.47 | 1.43 | 5.21 | -7310.00% | 721.00% | -1442.00% | 7.52% | 0.24 | 33.24% | 0.00% | 0.00% | 10.97% | 69.18 | 14.30 | 3.30 | 1.59 |
| CALX | Calix, Inc. | $51.77 | 3.43B | +31% | +110% | -76% | -86% | 198.44 | 4.13 | 3.55 | 61.42 | — | 4.78 | 56.83% | 2.10% | 1.79% | 2.18% | 2.22% | 1.79% | 0.03 | — | 4.24 | 2.99 | -2.27 | -15778.00% | 2026.00% | 12945.00% | 3.26% | 0.83 | 23.37% | 0.00% | 0.00% | 4.96% | 151.80 | 27.58 | 3.19 | 11.80 |
| COMP | Compass, Inc. | $9.75 | 5.47B | +191% | +882% | -100% | — | -98.03 | 7.36 | 0.83 | 72.05 | — | 52.55 | 10.61% | -0.42% | -0.84% | -9.85% | -3.34% | -4.32% | 0.58 | -3.26 | 0.86 | 0.70 | 3.05 | -6774.00% | 2367.00% | 9216.00% | 3.53% | 0.59 | 23.64% | 0.00% | 0.00% | 0.34% | -205.07 | 29.56 | 0.86 | 6.53 |
| DAVE | Dave Inc. | $193.27 | 2.61B | -55% | +1,301% | -80% | -3% | 18.03 | 5.70 | 3.01 | 13.54 | — | 6.16 | 91.25% | 9.97% | 16.67% | 42.84% | 23.64% | 19.51% | 0.41 | 4.33 | 8.05 | 7.59 | 0.34 | -20295.00% | 3396.00% | 39611.00% | 11.96% | 3.57 | 88.95% | 0.00% | 0.00% | 10.89% | 29.73 | 8.24 | 2.96 | 7.21 |
| GBTG | Global Business Travel Gr… | $5.47 | 2.86B | +421% | +584% | — | — | -27.87 | 3.55 | 1.54 | 20.99 | -24.38 | -5.93 | 60.09% | 4.75% | -5.70% | -11.86% | 5.53% | -3.63% | 1.39 | 1.00 | 1.64 | 1.50 | 4.17 | 11429.00% | 581.00% | 23673.00% | 4.42% | 0.35 | 7.93% | 0.00% | 0.00% | 2.79% | 40.52 | 28.24 | 1.92 | 1.20 |
| NAVN | Navan, Inc. | $9.74 | 2.27B | — | — | — | — | — | — | — | — | — | — | 63.79% | -20.05% | -33.73% | -108.63% | -21.28% | -16.84% | 5.89 | -1.42 | 1.53 | 1.46 | -5.19 | -4552.00% | 3346.00% | -6921.00% | — | -0.11 | -10.16% | — | 0.00% | — | — | — | — | — |
| PTRN | Pattern Group Inc. Series… | $10.53 | 1.63B | — | — | -62% | +44% | — | — | — | — | — | — | 43.50% | 4.85% | 3.78% | 19.60% | 29.56% | 11.75% | 0.08 | 889.61 | 2.17 | 1.10 | -1.37 | -112500.00% | 3145.00% | 8495.00% | — | 0.27 | 22.75% | — | 0.00% | — | — | — | — | — |
| VIA | Via Transportation, Inc. | $17.18 | 1.33B | +110% | -57% | — | — | -15125.00 | 2321.77 | 3355.60 | -21400.82 | — | 3649.07 | 38.85% | -17.64% | -22.19% | 53.63% | -30.77% | -17.19% | 0.05 | -10.43 | 4.98 | 4.80 | 5.03 | -9990.00% | 2864.00% | -5628.00% | 0.00% | -0.33 | -13.07% | 0.00% | 0.00% | 0.11% | -19018.45 | -44790.29 | 3354.81 | 8298.55 |
| ZETA | Zeta Global Holdings Corp… | $16.95 | 3.77B | +117% | +561% | -97% | — | -122.70 | 4.80 | 2.96 | 95.19 | — | 141.92 | 60.63% | 0.41% | -2.42% | -4.25% | 0.86% | -2.39% | 0.24 | 14.48 | 1.60 | 1.50 | -3.12 | -6316.00% | 2972.00% | 10098.00% | 4.79% | 0.46 | 31.14% | 0.00% | 0.00% | 3.13% | 696.82 | 20.22 | 2.87 | 3.42 |
About Q2 Holdings, Inc.
Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. The company offers Q2 Consumer Banking, a browser-based digital banking solution and comprehensive financial institution branded digital banking capabilities; Q2 Small Business and Commercial, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture. It also provides Q2 Sentinel, a security analytics solution; Q2 Patrol, an event-driven validation product; Q2 SMART, a targeting and messaging platform; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information. In addition, the company offers Q2 Gro, a digital account opening, and digital sales and marketing platform; Q2 Biller Direct, a bill payment solution; ClickSWITCH allows financial institutions to direct deposits to the end user. Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; Centrix Exact/Transaction Management System, a fraud prevention tool; and Q2 Caliper Software Development Kit. Futher, it provides Q2 Contextual PFM, which allows end users to add external accounts and view them together with internal accounts on digital banking home page; Q2 Goals that enables end users to establish and save towards specific savings goals; Q2 Cloud Lending, a digital lending and leasing platform; PrecisionLender platform, a cloud-based, data-driven sales enablement, pricing, and portfolio management solution; and Q2 BaaS, a portfolio of open API financial services. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas.
- CEO
- Matthew Flake
- Employees
- 2.48K
- Beta
- 1.37
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($36.42 ÷ $51.23) − 1 = -28.91% (DCF, example).