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.

Q2 Holdings, Inc.

Crossroads Bank provides financial services including personal and business banking, loans, mortgages, and insurance. Self-described as a partner in building a strong and resilient community.

Crossroads Bank

Digital Banking Solutions provides a range of banking solutions including core banking, risk and compliance management, and consulting services. The company offers self-described bespoke and system design services tailored to client needs.

Digital Banking Solutions

FINASA is a non-profit organization dedicated to promoting and supporting the growth and development of the fintech industry in South Africa.

FINASA

Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.

Q2 Holdings Inc

Q2 provides digital banking solutions for commercial and consumer banking as a single platform solution. It is self-described as building stronger, more diverse communities by strengthening the financial institutions that serve them.

Metric
Company Name	Q2 Holdings, Inc.	Crossroads Bank	Digital Banking Solutions	FINASA
Symbol	QTWO
MSH ID	COM:Q2	COM:CROSSROADSBANKING	COM:DIGITAL-BANKING-SOLUTIONS	ZA:ORG:FINASA
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Technology	Financial Services & Finance	Financial Services & Finance	Commercial & Professional Services
Industry	Software - Application	Banking	Banking	Financial Services
Country	US	US	BR	ZA
Stage
Employee Count	2.31K		101
Website	q2.com	crossroadsbanking.com	digital-banking-solutions.com	finasa.org.za
LinkedIn				fintechsa
Founders

Metric
Market Cap	3.65B
Enterprise Value
Monthly Web Traffic		554	46
Web Traffic Growth		-0.35	2.26
Valuation
Raised Capital

Metric
Revenue	624.62M
Revenue (LTM)
Revenue (NTM)
Gross Profit	302.65M
EBITDA	6.75M
Operating Income	-86.06M
Net Income	-65.38M
EPS	-1.12
Diluted EPS	-1.12
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.49
Operating Profit Margin	-0.10
EBITDA Margin	0.01
Net Profit Margin	-0.10
Return on Equity	-0.15
Return on Assets	-0.05
Return on Capital Employed	-0.06

COM:Q2

Q2

Last Close

74.73

11/04 22:30

Market Cap

4.54B

Beta: -

Volume Today

719.79K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-30.11
P/B Ratio	5.44
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.57
EV Multiple	1.09K

Metric
Days Sales Outstanding	33.14
Days Payables Outstanding	17.15
Days Inventory Outstanding	45.62
Operating Cycle	76.06
Cash Conversion Cycle	54.12
Asset Turnover	0.52

Metric
Operating Cash Flow	70.29M
Free Cash Flow	39.65M
Cash Flow to Debt	0.20
Operating Cash Flow/Sales	0.16
Free Cash Flow Yield	0.02

Metric
Cash & Equivalents	229.66M
Accounts Receivable	4.09M
Inventory	40.24M
Goodwill	512.87M
Debt to Capitalization	0.55
Debt to Assets	0.46
Current Ratio	2.25
Quick Ratio	2.44

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.12
R&D to Revenue	0.23
SG&A to Revenue	0.19