Q2 Holdings, Inc. Common Stock (QTWO)

Q2 Holdings (QTWO) Q4 2024 Earnings Transcript

Q2 Holdings (QTWO) Q1 2025 Earnings Transcript

Q2 Holdings (QTWO) Q3 2025 Earnings Transcript

Q2 Holdings (QTWO) Q3 2024 Earnings Transcript

A number of stocks fell in the afternoon session after investors continued to distinguish between the winners and losers in the artificial intelligence boom, leading to a broad sell-off. The Nasdaq fell 1.5%, while the S&P 500 and Dow Jones Industrial Average also saw significant declines. This market shift indicated that investors were becoming more selective, moving beyond the initial excitement surrounding AI. In addition, a stronger-than-expected U.S. jobs report dampened investor expectations for near-term interest rate cuts from the Federal Reserve. Data showed the U.S. labor market remained resilient, with non-farm payrolls indicating impressive job creation and falling unemployment. This positive economic signal led markets to re-evaluate the timeline for monetary policy easing, which is the process by which a central bank reduces interest rates to stimulate economic growth. Investors priced in the first potential rate cut for July, a shift from previous expectations of June. This delay created a headwind for growth-oriented sectors like software, as higher interest rates can reduce the present value of future earnings.

Digital banking software provider Q2 Holdings (NYSE:QTWO) reported revenue ahead of Wall Street’s expectations in Q4 CY2025, with sales up 13.8% year on year to $208.2 million. Guidance for next quarter’s revenue was optimistic at $214.5 million at the midpoint, 2.5% above analysts’ estimates. Its non-GAAP profit of $0.68 per share was 11.1% above analysts’ consensus estimates.

Q2 Holdings (QTWO) Q4 2025 Earnings Transcript

Digital banking software provider Q2 Holdings (NYSE:QTWO) reported revenue ahead of Wall Street’s expectations in Q4 CY2025, with sales up 13.8% year on year to $208.2 million. Guidance for next quarter’s revenue was optimistic at $214.5 million at the midpoint, 2.5% above analysts’ estimates. Its GAAP profit of $0.31 per share was 33.3% above analysts’ consensus estimates.

Digital banking software provider Q2 Holdings (NYSE:QTWO) will be announcing earnings results this Wednesday afternoon. Here’s what to look for.

A number of stocks fell in the afternoon session after the "AI replacement" narrative reached a fever pitch following the release of new models from Anthropic and OpenAI. 

Wall Street has set ambitious price targets for the stocks in this article. While this suggests attractive upside potential, it’s important to remain skeptical because analysts face institutional pressures that can sometimes lead to overly optimistic forecasts.

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how vertical software stocks fared in Q3, starting with Q2 Holdings (NYSE:QTWO).

Small-cap stocks in the Russell 2000 (^RUT) can be a goldmine for investors looking beyond the usual large-cap names. But with less stability and fewer resources than their bigger counterparts, these companies face steeper challenges in scaling their businesses.

While profitability is essential, it doesn’t guarantee long-term success. Some companies that rest on their margins will lose ground as competition intensifies - as Jeff Bezos said, "Your margin is my opportunity".

Generating cash is essential for any business, but not all cash-rich companies are great investments. Some produce plenty of cash but fail to allocate it effectively, leading to missed opportunities.

As the curtain begins to close on 2025, the dominance of the "Magnificent Seven"—a group that has dictated market sentiment for years—is facing its most significant challenge yet. While Apple Inc. (NASDAQ: AAPL), Microsoft Corp. (NASDAQ: MSFT), Alphabet Inc. (NASDAQ: GOOGL), Amazon.com Inc. (NASDAQ: AMZN), Nvidia Corp.

Software is eating the world, and virtually no business is left untouched by it. Companies bringing it to life have been rewarded with high valuation multiples that make fundraising easier, but they have capped returns lately as the industry was flat over the past six months and trailed the S&P 500’s 13.6% gain.

Q2 Holdings has gotten torched over the last six months - since June 2025, its stock price has dropped 20.6% to $71.01 per share. This may have investors wondering how to approach the situation.

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official bolstered hopes for an interest rate cut. 

Wall Street is overwhelmingly bullish on the stocks in this article, with price targets suggesting significant upside potential. However, it’s worth remembering that analysts rarely issue sell ratings, partly because their firms often seek other business from the same companies they cover.

Exciting developments are taking place for the stocks in this article. They’ve all surged ahead of the broader market over the last month as catalysts such as new products and positive media coverage have propelled their returns.

Shares of digital banking software provider Q2 Holdings (NYSE:QTWO) jumped 13.9% in the morning session after the company reported third-quarter 2025 results that exceeded Wall Street's expectations for revenue and profit and provided upbeat guidance. For the quarter, revenue grew 15.2% year-over-year to $201.7 million, beating analyst estimates. The company's profitability also saw a significant improvement, with GAAP earnings per share of $0.23 coming in 64.3% above consensus. Adding to the positive sentiment, Q2 Holdings guided for fourth-quarter revenue slightly ahead of expectations and raised its full-year EBITDA forecast above analyst projections. This performance was underpinned by expanding profitability, as the operating margin swung to a positive 5.5% from a negative 7.3% in the prior year's quarter.

Digital banking software provider Q2 Holdings (NYSE:QTWO) reported Q3 CY2025 results beating Wall Street’s revenue expectations, with sales up 15.2% year on year to $201.7 million. Guidance for next quarter’s revenue was better than expected at $204.4 million at the midpoint, 0.5% above analysts’ estimates. Its GAAP profit of $0.23 per share was 64.3% above analysts’ consensus estimates.