13F Pro Quality Score

63.8/100

Rank #590 of 2,960 stocksTOP 25%

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

Revenue Growth

69.8/100

Profitability

74.1/100

Balance Sheet

80.2/100

Earnings Quality

74.7/100

Free Cash Flow

78.8/100

Institutional Flow

10.8/100

Revenue Scale

47.0/100

Dilution Risk

15.3/100
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QTWO Stock Analysis & AI Quality Score

Data updated 2026-09-12

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 63.8/100 on a 32-signal composite quality model, placing it at rank #590 of 2,960 stocks — the top 25% of the AI-ranked universe. QTWO scores in the top quartile across balance sheet strength (80.2), free cash flow (78.8). Areas of concern include institutional flow (10.8), which score below median versus the broader universe. Shareholder dilution risk is elevated at 15.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Q2 Holdings, Inc. reports quarterly revenue of $219.8M, net income of $29.9M, free cash flow of $59.0M. 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 65 since 2021, currently 63.8 — an improving long-term trajectory across 69 quarterly and live scoring snapshots.

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

Q2 2026

$219.8M

Net Income

Q2 2026

$29.9M

Free Cash Flow

Q2 2026

$59.0M

ROIC

Q2 2026

18.2%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+14.1% YoY
$794.8MFY 2025
FY22 $565.7MFY23 $624.6MFY24 $696.5MFY25 $794.8M

Net Income

+235.0% YoY
$52.0MFY 2025
FY22 $-109.0MFY23 $-65.4MFY24 $-38.5MFY25 $52.0M

Operating Income

+194.4% YoY
$39.9MFY 2025
FY22 $-104.8MFY23 $-86.1MFY24 $-42.3MFY25 $39.9M

EPS (Diluted)

+225.0% YoY
$0.80FY 2025
FY22 $-1.90FY23 $-1.12FY24 $-0.64FY25 $0.80

Total Assets

-1.4% YoY
$1.28BFY 2025
FY22 $1.35BFY23 $1.20BFY24 $1.29BFY25 $1.28B

Op. Cash Flow

+48.4% YoY
$201.5MFY 2025
FY22 $36.6MFY23 $70.3MFY24 $135.8MFY25 $201.5M

Free Cash Flow

+50.8% YoY
$194.7MFY 2025
FY22 $25.4MFY23 $64.6MFY24 $129.1MFY25 $194.7M

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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

Companies Similar to QTWO

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

NCNO

nCino, Inc.

56
AI score
Very similar · 21 shared holders
MANH

MANHATTAN ASSOCIATES INC

61
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Similar quality profile · 13 shared holders
WK

WORKIVA INC

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Similar quality profile · 17 shared holders
ATEN

A10 Networks, Inc.

55
AI score
Similar quality profile · 16 shared holders
ALRM

Alarm.com Holdings, Inc.

58
AI score
Similar quality profile · 14 shared holders
GWRE

Guidewire Software, Inc.

65
AI score
Similar quality profile · 12 shared holders
ARLO

Arlo Technologies, Inc.

57
AI score
Similar quality profile · 13 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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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. QTWO is classified as a mid company.

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.