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Stock Ratings / Technology / QTWO
BILL (61) MNDY (63) FRSH (69) CCC (62) ⌘ Pro Terminal →

Q2 Holdings Inc. (QTWO) — RQD Stock Rating Cockpit

$70.44 +5.01% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $70.94

Q2 Holdings Inc. (QTWO) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $4.14B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on QTWO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is QTWO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Q2 Holdings Inc. (NYSE: QTWO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $70.44 (+5.01% 1D, market cap $4.14B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 11/20. Across 715 tracked Technology issuers, QTWO ranks #89 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does QTWO compare to BILL and MNDY in the Technology sector?
▼

Within the Technology sector (Computer Software: Prepackaged Software), QTWO carries a Roarable C+ (69/100 RQD), trailing P/E of 77.6x, gross margin of 54.1%, and ROIC of 5.7%. By comparison, BILL (BILL Holdings Inc.) holds a C- grade (61/100 RQD, P/E N/A, ROIC -1.2%, cap $4.15B) and MNDY (monday.com Ltd.) posts a C grade (63/100 RQD, P/E 34.2x, ROIC -0.4%, cap $4.10B). Among the 5-stock peer group, FRSH leads on earnings multiple (21.3x) while QTWO leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for QTWO?
▼

Per QTWO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001410384), Q2 Holdings Inc. generated $794.8M in revenue (+14.1% YoY), $52.0M in net income, and $194.7M in free cash flow against $1.28B in total assets and $276.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 78x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $70.94 (+0.71%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 24.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk B-
Cash (14)Whales (16)SEC (16)Macro (12)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$87 Bull$74 Base$58 Bear
📬 FREE QTWO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for QTWO)Realized 20D OHLCV Swing Band: ±7%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY QTWO SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (23% of score)

20D Institutional Volume Accumulation (±7% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (23% of score)

Altman Z-Score 4.00 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution11/20 pts (-9 pt drag)

Cannibal Buyback (-0.96% YoY Shares) & executive Form 4 sales trim 9 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
61
Grade C$59.43+11.7% Next Q
Q2 (-2Q)
64
Grade C+$66.41+2.3% Next Q
Q3 (-1Q)
66
Grade B-$67.91+3.7% Next Q
Current
69
Grade C+$70.44+2% Hist 90D α
Trajectory: C (61) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the QTWO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, QTWO faces multiple-compression risk if 77.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 78x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 51.6% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($61.56) or 200D SMA ($54.60) invalidates the momentum regime and cuts Target Base ($73.93) toward Bear Floor ($57.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $QTWO• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “QTWO Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 69%NO 31%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
60.930 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
4.00>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
9 / 99-Pt Accounting
52-WEEK LASER RANGE84% OF RANGE
L: $41$70.44H: $76
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (54.1% gross margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on QTWO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

5.7% ROIC with 54.1% gross margin and 4.83% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (80)

Altman-Z 4.00 and Piotroski 9/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (65)

27/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like QTWO
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Priced at 78x earnings—high expectations leave less room for a lukewarm quarter.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (QTWO Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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QTWO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +31.59%⚡ TESTING RESISTANCE
2026-11-03O $65.28H $70.44L $65.28C $70.44VOL 651.9K
RES: $70.71SUP: $59.96SMA50: $61.56SMA200: $54.60
$72.52$63.92$55.32$46.72$38.12RES $70.71SUP $59.96$70.442026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

QTWO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 QTWO Butterfly Map → + Track QTWO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
48.0%/yr Implied 5Y Growth

vs. +14.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on QTWO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for QTWO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for QTWO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (QTWO)

Technology Rank #89 of 715 ⚔️ BILL vs QTWO Full Matrix →

1. Head-to-Head Technology Peer Comparison (QTWO vs. BILL, MNDY, FRSH, CCC)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Q2 Holdings Inc. (QTWO) ranks #89 by composite RQD confidence (69/100, grade C+) and #222 by equity capitalization ($4.14B). Within this direct 5-issuer industry benchmark cohort, FRSH leads on earnings valuation at 21.3x trailing P/E, while QTWO leads on capital efficiency and profitability with 5.7% ROIC and 54.1% gross margin. QTWO currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
QTWO ACTIVE
Q2 Holdings Inc.
C+ 69/100 77.6x 54.1% 5.7% +5.01% $4.14B Benchmark Subject
BILL
BILL Holdings Inc.
C- 61/100 — 81.4% -1.2% +2.92% $4.15B /bill-vs-qtwo →
MNDY
monday.com Ltd.
C 63/100 34.2x 89.2% -0.4% -0.36% $4.10B /mndy-vs-qtwo →
FRSH
Freshworks Inc.
C+ 69/100 21.3x 85.0% 1.5% -3.46% $3.84B /frsh-vs-qtwo →
CCC
CCC Intelligent Solutions Holdings Inc.
C 62/100 — 73.5% 2.5% +0.39% $4.52B /ccc-vs-qtwo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001410384 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Q2 Holdings Inc. (QTWO) reported GAAP revenue of $794.8M (+14.1% vs. FY2024 revenue of $696.5M , and +27.2% cumulative change since FY2023) , GAAP net income of $52.0M, operating cash flow of $201.5M, and free cash flow of $194.7M (+50.8% YoY). On the balance sheet, QTWO closed FY2025 with $1.28B in total assets against $276.5M in total debt (Altman Z-Score: 4.00, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $794.8M $52.0M $201.5M $194.7M $1.28B $276.5M
FY2024 (FY) 2024-12-31 $696.5M -$38.5M $135.8M $129.1M $1.29B $349.6M
FY2023 (FY) 2023-12-31 $624.6M -$65.4M $70.3M $42.2M $2.22B $519.1M

3. QTWO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is QTWO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Q2 Holdings Inc. (NYSE: QTWO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $70.44 (+5.01% 1D, market cap $4.14B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 11/20. Across 715 tracked Technology issuers, QTWO ranks #89 in composite RQD confidence.

How does QTWO compare to BILL and MNDY in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), QTWO carries a Roarable C+ (69/100 RQD), trailing P/E of 77.6x, gross margin of 54.1%, and ROIC of 5.7%. By comparison, BILL (BILL Holdings Inc.) holds a C- grade (61/100 RQD, P/E N/A, ROIC -1.2%, cap $4.15B) and MNDY (monday.com Ltd.) posts a C grade (63/100 RQD, P/E 34.2x, ROIC -0.4%, cap $4.10B). Among the 5-stock peer group, FRSH leads on earnings multiple (21.3x) while QTWO leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for QTWO?

Per QTWO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001410384), Q2 Holdings Inc. generated $794.8M in revenue (+14.1% YoY), $52.0M in net income, and $194.7M in free cash flow against $1.28B in total assets and $276.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 78x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

Where is QTWO trading relative to its 50-day, 200-day, and 52-week technical levels?

QTWO last traded at $70.44 (+5.01% on volume of 881,331 shares), positioning the stock +14.42% above its 50-day simple moving average ($61.56) and +29.01% above its 200-day simple moving average ($54.60). Across its 52-week range of $40.79 to $76.24, QTWO sits at the 83.6% percentile with a 14-day RSI of 60.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.0% ($65.51 to $75.37).

Direct Sub-Reports: QTWO RQD Cockpit QTWO 12M Forecast QTWO Earnings & Move QTWO Dividends & DRIP QTWO Insiders & 13F QTWO Whale Options QTWO Profit Sankey QTWO News & Why
ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ SEC XBRL & RQD VERIFIED

QTWO — Q2 Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Q2 Holdings Inc. (QTWO) earns a live Roarable RQD composite score of 69/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $70.44 (+5.01% 1D, market capitalization $4.14B).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 5.7%, gross margin of 54.1%, operating margin of 5.0%, and free cash flow yield of 4.83%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (16/20): Incorporates a 1.19x equity beta, Altman Z-Score of 4.00, Piotroski F-Score of 9/9, and Debt/Equity of 0.39x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Q2 Holdings Inc. Is a NYSE-listed issuer in the Technology sector, classified under Computer Software: Prepackaged Software. The profile identifies the company by sector, industry, exchange, and market capitalization of $4.0B. Revenue scale and margin figures are shown in the Financial Trend section.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Q2 Holdings Inc. (QTWO) reported $794.8M in annual revenue (up from $696.5M in FY2024, +14.1% YoY) and $52.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($624.6M revenue, -$65.4M net income) through FY2025, QTWO scaled operating cash flow to $201.5M and free cash flow to $194.7M, backed by $1.28B in total assets against $276.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 69/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $40.79 – $76.24 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 78x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 77.6x trailing P/E and 85.9x EV/EBITDA against 5.0% operating margins and a 1.19x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and 2nd-order bottlenecks are therefore — The only sector-level context available is the Technology classification of Computer Software: Prepackaged Software and the stock's beta of 1.19, which indicates above-market sensitivity to broad market moves but does not identify specific ripple pathways.

  • Key Question #1: Can QTWO sustain or expand its 5.0% operating margin and 5.7% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $794.8M and free cash flow of $194.7M, how will capital allocation balance growth reinvestment against $276.5M in total debt?
  • Key Question #3: How sensitive is QTWO's 65.2x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.19x)?

QTWO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Q2 Holdings Inc. (QTWO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to QTWO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

QTWO Bull vs. Bear Conversation Board — What's Your Call at $70.44?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON QTWO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on QTWO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $77.81 (+16.0%)
📌 Pinned Debate

Revenue grew from $624.6M to $794.8M while FY 2025 swung to $52.0M net income and debt fell to $276.5M against $367.6M cash.

Picked up a starter position in QTWO in my $100K Virtual Cash book at $67.08. Revenue grew from $624.6M to $794.8M while FY 2025 swung to $52.0M net income and debt fell to $276.5M against $367.6M cash.. Trading inside a $40.79–$76.24 52-week range with 4.83% FCF yield gives solid downside support if Computer Software: Prepackaged Software multiples expand this quarter.

SectorRotator 🐂 BULL

@CreditSpread_Watch Fair point on 77.6x trailing P/E, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (54.1%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $55.01 (-18.0%)
Spot @ $67.08

Trailing P/E of 77.6 and EV/EBITDA of 85.9 price in substantial growth, with a 5.7% ROIC and no sourced insider conviction.

Here is the bear case nobody on the bull side wants to address on QTWO: Trailing P/E of 77.6 and EV/EBITDA of 85.9 price in substantial growth, with a 5.7% ROIC and no sourced insider conviction.. At 77.6x trailing P/E, even a small guidance miss in Computer Software: Prepackaged Software triggers a 12-15% air pocket.

LIVE TAPE