What is the 13F Pro Quality Score for QTWO?

13F Pro ranks Q2 Holdings, Inc. (QTWO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View QTWO's current score at https://13fpro.ai/research/QTWO (free sign-up required for the full ranking).

Where does 13F Pro source QTWO data?

All Q2 Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Q2 Holdings, Inc. files with the SEC under CIK 1410384. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is QTWO in?

Q2 Holdings, Inc. (QTWO) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

How often is QTWO research updated on 13F Pro?

QTWO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Q2 Holdings, Inc.(QTWO)Stock Analysis

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13F Pro Quality Score

62.4/100

Rank #739 of 2,879 stocksTOP 50%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

71.5/100

Profitability

72.3/100

Balance Sheet

67.8/100

Earnings Quality

30.0/100

Free Cash Flow

80.9/100

Institutional Flow

45.5/100

Revenue Scale

45.4/100

Dilution Risk

15.9/100

QTWO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Q2 Holdings, Inc. (QTWO), a Technology sector company. 13F Pro's AI-powered ranking engine scores QTWO at 62.4/100 on a 32-signal composite quality model, placing it at rank #739 of 2,879 stocks — the top half of the AI-ranked universe. QTWO scores in the top quartile across free cash flow (80.9). Areas of concern include earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Q2 Holdings, Inc. reports quarterly revenue of $216.5M, net income of $26.6M, free cash flow of $49.7M. Top institutional holders of QTWO by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. QTWO trades on the NYSE exchange and files with the SEC under CIK 1410384. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate QTWO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Q2 Holdings, Inc. directly from SEC EDGAR. Q2 Holdings, Inc.'s 13F Pro composite quality score has ranged between 33 and 63 since 2021, currently 62.4 — an improving long-term trajectory across 30 quarterly and live scoring snapshots.

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Fun facts about Q2 Holdings, Inc.

Quirks, history, and lore behind QTWO — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. software-as-a-service company · mid-cap · listed on the NYSE · headquartered in Texas.
2
The Numbers
Annual revenue in the range of roughly $600–700 million, with a customer base concentrated almost entirely in financial institutions — think banks, not big tech.
3
The History
Founded in the early 2000s and went public in 2014, it was built on the premise that community and regional banks deserved the same digital tools as Wall Street giants.
4
The Secret
Its entire business is helping smaller banks and credit unions compete with the Chase apps of the world — it's essentially a digital banking platform hiding behind a ticker nobody recognizes.
5
The Lore
The company's name literally references the second quarter — a nod to its founding belief that community banks deserve a fighting chance in the digital era.
6
The Giveaway
Its ticker is basically its name spelled out: a company called Q2 that trades under QTWO, powering online and mobile banking for hundreds of regional financial institutions.

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Revenue

Q1 2026

$216.5M

Net Income

Q1 2026

$26.6M

Free Cash Flow

Q1 2026

$49.7M

ROIC

Q1 2026

4.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+14.1% YoY

$794.8MFY 2025

FY21 $498.7MFY23 $624.6MFY24 $696.5MFY25 $794.8M

Net Income

+234.9% YoY

$52.0MFY 2025

FY21 $-112.7MFY23 $-65.4MFY24 $-38.5MFY25 $52.0M

Operating Income

+194.4% YoY

$39.9MFY 2025

FY21 $-78.0MFY23 $-86.1MFY24 $-42.3MFY25 $39.9M

EPS (Diluted)

+225.0% YoY

$0.80FY 2025

FY21 $-2.00FY23 $-1.12FY24 $-0.64FY25 $0.80

Total Assets

-1.4% YoY

$1.28BFY 2025

FY21 $1.39BFY23 $1.20BFY24 $1.29BFY25 $1.28B

Op. Cash Flow

+48.4% YoY

$201.5MFY 2025

FY21 $31.1MFY23 $70.3MFY24 $135.8MFY25 $201.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Revenue	$794.8M +14.1%	$696.5M +11.5%	$624.6M +25.2%	$498.7M +23.8%	$402.8M +27.7%	$315.5M
Net Income	$52.0M +234.9%	$-38.5M +41.1%	$-65.4M +42.0%	$-112.7M +18.1%	$-137.6M -94.2%	$-70.9M
Operating Income	$39.9M +194.4%	$-42.3M +50.9%	$-86.1M -10.3%	$-78.0M +21.9%	$-99.8M -49.6%	$-66.7M
EPS (Diluted)	$0.80 +225.0%	$-0.64 +42.9%	$-1.12 +44.0%	$-2.00 +24.5%	$-2.65 -73.2%	$-1.53
Total Assets	$1.28B -1.4%	$1.29B +7.8%	$1.20B -13.3%	$1.39B -2.2%	$1.42B +40.3%	$1.01B
Operating Cash Flow	$201.5M +48.4%	$135.8M +93.1%	$70.3M +126.1%	$31.1M +1158.3%	$-2.9M -618.2%	$567.0K

AI Insight: QTWO Financial Trends

Q2 Holdings achieved profitability turnaround with operating income swinging from -$14M loss in Q2 2024 to +$28M profit in Q1 2026.

• Revenue grew steadily from $173M in Q2 2024 to $217M in Q1 2026, representing 25% growth over eight quarters.

• Operating income turned positive in Q1 2025 at $2M and expanded to $28M in Q1 2026 after seven quarters of losses.

• Net income improved from -$13M loss in Q2 2024 to $27M profit in Q1 2026, marking sustained profitability since Q1 2025.

• Operating cash flow increased from $36M in Q2 2024 to $56M in Q1 2026, with peak of $64M in Q4 2025.

⚠ Equity declined from $662M in Q4 2025 to $612M in Q1 2026, first quarterly decrease in the dataset.

⚠ Operating cash flow dropped from $64M in Q4 2025 to $56M in Q1 2026 despite higher profitability.

AI Insight: QTWO Ratio Trends

Q2 Holdings achieved dramatic profitability turnaround, with operating margin surging from -7.9% in Q2 2024 to 12.8% in Q1 2026.

• Operating margin expanded from -7.9% in Q2 2024 to 12.8% in Q1 2026, marking eight consecutive quarters of improvement.

• ROIC turned positive in Q1 2025 at 1.6% and accelerated to 18.1% in Q1 2026.

• Net profit margin improved from -7.5% in Q2 2024 to 12.3% in Q1 2026.

• ROE expanded from -10.9% in Q2 2024 to 17.4% in Q1 2026.

⚠ TTM operating margin of 8.0% trails the Q1 2026 quarterly rate of 12.8%, suggesting potential seasonality impact.

⚠ Sustainability of 18.1% ROIC achieved in Q1 2026, representing sharp acceleration from prior quarters.

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Available Research

13F Pro tracks comprehensive data for Q2 Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of QTWO

BlackRock, Inc.
$474.7M10,036,162 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$229.8M4,858,839 sh
VANGUARD CAPITAL MANAGEMENT LLC
$127.7M2,700,262 sh
STATE STREET CORP
$118.1M2,495,836 sh
Conestoga Capital Advisors, LLC
$84.3M1,782,715 sh
TREMBLANT CAPITAL GROUP
$80.6M1,702,976 sh
Capital Research Global Investors
$76.6M1,620,408 sh
TENOR CAPITAL MANAGEMENT Co., L.P.
$71.7M71,893,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$70.4M1,488,204 sh
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.
$58.2M1,230,840 sh

Fund	Value	Shares
BlackRock, Inc.	$474.7M	10,036,162
VANGUARD PORTFOLIO MANAGEMENT LLC	$229.8M	4,858,839
VANGUARD CAPITAL MANAGEMENT LLC	$127.7M	2,700,262
STATE STREET CORP	$118.1M	2,495,836
Conestoga Capital Advisors, LLC	$84.3M	1,782,715
TREMBLANT CAPITAL GROUP	$80.6M	1,702,976
Capital Research Global Investors	$76.6M	1,620,408
TENOR CAPITAL MANAGEMENT Co., L.P.	$71.7M	71,893,000
GEODE CAPITAL MANAGEMENT, LLC	$70.4M	1,488,204
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.	$58.2M	1,230,840

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Is QTWO a good stock to buy?

13F Pro's AI-powered analysis of Q2 Holdings, Inc. (QTWO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for QTWO are available on the QTWO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own QTWO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling QTWO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Q2 Holdings, Inc.'s investment landscape.