Q2 Holdings Financials

QTWO Stock  USD 104.49  2.50  2.34%   
Based on the key indicators related to Q2 Holdings' liquidity, profitability, solvency, and operating efficiency, Q2 Holdings is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Q2 Holdings' Property Plant And Equipment Gross is very stable compared to the past year. As of the 28th of November 2024, Other Liabilities is likely to grow to about 37.8 M, while Total Assets are likely to drop about 652 M. Key indicators impacting Q2 Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio1.92.2341
Fairly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Q2 Holdings includes many different criteria found on its balance sheet. An individual investor should monitor Q2 Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Q2 Holdings.

Net Income

(68.65 Million)

  
Understanding current and past Q2 Holdings Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Q2 Holdings' financial statements are interrelated, with each one affecting the others. For example, an increase in Q2 Holdings' assets may result in an increase in income on the income statement.

Q2 Holdings Stock Summary

Q2 Holdings competes with PROS Holdings, Meridianlink, Enfusion, Paylocity Holdng, and Alkami Technology. Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions in the United States. Q2 Holdings, Inc. was founded in 2004 and is headquartered in Austin, Texas. Q2 Holdings operates under SoftwareApplication classification in the United States and is traded on New York Stock Exchange. It employs 2024 people.
Foreign Associate
  Canada
Specialization
Information Technology, Software - Application
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS74736L1098
CUSIP74736L109
LocationTexas; U.S.A
Business Address10355 Pecan Park
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websitewww.q2.com
Phone833 444 3469
CurrencyUSD - US Dollar

Q2 Holdings Key Financial Ratios

Q2 Holdings Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.0B1.4B1.4B1.3B1.2B652.0M
Other Current Liab55.0M42.3M41.1M34.8M32.6M27.7M
Net Debt369.9M193.3M299.1M531.5M316.8M332.7M
Retained Earnings(243.3M)(381.2M)(493.9M)(560.3M)(625.7M)(594.4M)
Accounts Payable11.0M7.9M10.6M10.1M19.4M20.3M
Cash100.1M407.7M322.8M199.6M229.7M140.4M
Net Receivables23.3M37.5M48.8M55.6M52.1M54.7M
Other Current Assets6.4M39.6M45.9M42.1M51.9M54.5M
Total Liab630.0M773.3M814.7M930.7M752.9M398.3M
Total Current Assets186.3M616.2M522.5M531.1M428.0M260.0M
Other Liab36.2M33.3M33.4M27.9M32.1M37.8M
Other Assets62.6M103.8M68.4M63.6M73.1M46.5M
Long Term Debt424.8M557.5M551.6M657.8M490.5M287.2M
Net Tangible Assets(306.5M)(3.8M)(105.0M)(239.5M)(215.6M)(204.8M)
Good Will107.9M462.0M462.3M512.9M589.8M619.3M
Inventory24.2M30.8M35.4M31.2M40.2M24.8M

Q2 Holdings Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense20.3M28.6M33.1M6.7M5.7M9.0M
Total Revenue315.5M402.8M498.7M565.7M624.6M655.9M
Gross Profit153.0M174.6M225.0M256.3M302.7M317.8M
Operating Income(50.7M)(86.1M)(75.3M)(103.6M)(86.1M)(81.8M)
Ebit(50.7M)(122.1M)(89.9M)(110.9M)(56.1M)(58.9M)
Research Development76.3M97.4M117.0M130.1M137.3M144.2M
Ebitda(6.2M)(55.7M)(23.2M)(37.7M)29.0M30.5M
Cost Of Revenue162.5M228.2M273.7M309.3M322.0M338.1M
Income Before Tax(83.4M)(136.2M)(111.1M)(106.1M)(61.8M)(64.9M)
Net Income(70.9M)(137.6M)(112.7M)(109.0M)(65.4M)(68.7M)
Income Tax Expense(12.5M)1.4M1.6M2.9M3.6M3.7M
Tax Provision(12.5M)1.4M1.6M2.9M3.6M3.7M
Interest Income3.7M1.2M1.5M5.4M10.1M10.6M
Net Interest Income(16.6M)(27.4M)(31.6M)(1.3M)4.4M4.6M

Q2 Holdings Key Cash Accounts

201920202021202220232024 (projected)
Change To Inventory14.8M(3.1M)4.3M8.0M9.2M9.6M
Change In Cash(6.6M)307.6M(85.4M)(123.9M)31.7M33.3M
Free Cash Flow(13.8M)(27.6M)5.3M6.5M39.6M41.6M
Depreciation28.5M51.8M54.8M61.7M71.7M75.3M
Other Non Cash Items31.4M58.2M57.4M37.6M9.8M9.3M
Capital Expenditures14.3M24.7M25.6M30.1M30.6M16.6M
Net Income(70.9M)(137.6M)(112.7M)(109.0M)(65.4M)(68.7M)
End Period Cash Flow103.6M411.2M325.8M201.9M233.6M141.9M
Investments36.7M(99.5M)25.1M(130.5M)38.6M40.6M
Change Receivables372K(14.6M)(10.1M)286K257.4K270.3K
Change To Netincome40.8M59.8M57.8M65.3M75.1M78.8M

QTWO Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Q2 Holdings's current stock value. Our valuation model uses many indicators to compare Q2 Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Q2 Holdings competition to find correlations between indicators driving Q2 Holdings's intrinsic value. More Info.
Q2 Holdings is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At this time, Q2 Holdings' Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Q2 Holdings' earnings, one of the primary drivers of an investment's value.

Q2 Holdings Systematic Risk

Q2 Holdings' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Q2 Holdings volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Q2 Holdings correlated with the market. If Beta is less than 0 Q2 Holdings generally moves in the opposite direction as compared to the market. If Q2 Holdings Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Q2 Holdings is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Q2 Holdings is generally in the same direction as the market. If Beta > 1 Q2 Holdings moves generally in the same direction as, but more than the movement of the benchmark.

Q2 Holdings Thematic Clasifications

Q2 Holdings is part of several thematic ideas from Software to Data Storage. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Q2 Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Q2 Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Q2 Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.94

At this time, Q2 Holdings' Price Earnings To Growth Ratio is very stable compared to the past year.

Q2 Holdings November 28, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Q2 Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Q2 Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of Q2 Holdings based on widely used predictive technical indicators. In general, we focus on analyzing QTWO Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Q2 Holdings's daily price indicators and compare them against related drivers.
When determining whether Q2 Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Q2 Holdings' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Q2 Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Q2 Holdings Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Q2 Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in housing.
To learn how to invest in QTWO Stock, please use our How to Invest in Q2 Holdings guide.
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Is Application Software space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Q2 Holdings. If investors know QTWO will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Q2 Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share
(0.96)
Revenue Per Share
11.322
Quarterly Revenue Growth
0.129
Return On Assets
(0.03)
Return On Equity
(0.12)
The market value of Q2 Holdings is measured differently than its book value, which is the value of QTWO that is recorded on the company's balance sheet. Investors also form their own opinion of Q2 Holdings' value that differs from its market value or its book value, called intrinsic value, which is Q2 Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Q2 Holdings' market value can be influenced by many factors that don't directly affect Q2 Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Q2 Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Q2 Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Q2 Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.