QTWO — Q2 Holdings

Founder-Led

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates QTWO Bearish with a Setup Score of 27, net conviction 19, actionability 38. How the Setup Score works →

Total Setup Score27
Directional BiasBearish
Net Conviction19
Actionability38 (in range)

Key signals behind this score

About Q2 Holdings

Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The company offers Digital Banking Platform, an end-to-end digital banking platform that supports its financial institution customers in their delivery of retail, SMB, and commercial functionalities across digital channels; and risk and fraud solutions that are designed… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$51.83
Market Cap$3.26B
Float61.4M
Shares Outstanding62.6M
P/E (Forward)20.83
P/E (TTM)46.14
Price/Sales (TTM)3.97
vs. Analyst Target+39.3% to analyst PT
Profit Margin8.99%
Operating Margin (TTM)12.90%
Revenue (TTM)$822M
Earnings Growth (YoY)471.40%
Dividend RateNone
Analyst Target Price$72.18 (17 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $403M -$138M $175M -$55.7M
2021 $499M -$113M $225M -$23.2M
2022 $566M -$109M $256M -$37.7M
2023 $625M -$65.4M $303M $29.0M
2024 $696M -$38.5M $354M $42.9M
2025 $795M $52.0M $430M $130M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $195M $11.8M
Sep 2025 $202M $15.0M
Dec 2025 $208M $20.4M
Mar 2026 $217M $26.6M

Ownership & Float

Insider Ownership0.9%
Institutional Ownership103.2%
Short Float6.5%
% of All Funds Holding3.92%
Number of Funds Holding322

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$47.36Near-term / short-term trend
Weekly40-Week SMA$57.26Medium-term trend
Weekly80-Week SMA$70.75Cyclical trend (business cycle)
Weekly200-Week SMA$56.35Secular trend (multi-year)
Monthly10-Month SMA$56.08Near-term monthly trend
Monthly20-Month SMA$70.83Medium-term monthly trend
Monthly40-Month SMA$60.93Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$61.00 resistance 1.41x 4 months ago

Historical Earnings Reactions (49 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.87% 0.97% 59.18% 9.10% -20.08%
1 Day 3.45% 2.49% 63.27% 24.97% -9.77%
1 Week 3.49% 3.48% 59.18% 25.17% -22.80%
2 Weeks 4.43% 4.31% 59.18% 25.76% -24.39%
1 Month 4.32% 7.16% 64.58% 36.81% -40.94%

Next earnings: July 29, 2026 (18 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan1.0%50.0%12
Feb-0.0%41.7%12
Mar-3.5%33.3%12
Apr2.2%46.2%13
May6.3%76.9%13
Jun2.8%69.2%13
Jul3.8%75.0%12
Aug0.8%50.0%12
Sep-5.2%25.0%12
Oct-2.9%25.0%12
Nov10.9%83.3%12
Dec-0.2%33.3%12

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.18% 47.6% 580
Tuesday 0.08% 49.3% 637
Wednesday 0.09% 51.7% 634
Thursday 0.19% 52.0% 621
Friday 0.20% 52.4% 618

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 103.2%

Insider Transactions — Smart Summary

Total insider ownership: 0.9%

Founder-led management: Hank Seale (Chairman Emeritus & Founder)

12-Month Insider Activity Summary

Total Filings30
Net Value-$30.0M
Net Shares Change-61,513
% of Float-0.1%
C-Suite Filings28
Clusters Detected4

Key Insiders

NameTitleNet ValueFilingsActivity
Breeden John E Chief Delivery Officer -$6.4M 3 N/A
Coleman Kirk L President -$4.2M 2 N/A
Rutledge Kimberly Anne Chief People Officer -$2.7M 3 N/A
Kerr Michael S General Counsel -$742,651.018 2 N/A

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-08-13 – 2025-08-26 3 3 -$996,844.65 2 C-suite
2025-12-11 – 2025-12-12 3 3 -$1.5M 3 C-suite
2026-02-18 – 2026-03-04 8 7 -$14.3M 8 C-suite
2026-03-09 – 2026-03-13 10 7 -$8.7M 10 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-03-09 Rutledge Kimberly Anne Chief People Officer -$1.3M Transaction at $51.61, now +0.4%
2026-03-09 Breeden John E Chief Delivery Officer -$3.9M Transaction at $51.70, now +0.3%
2026-03-13 Rutledge Kimberly Anne Chief People Officer -$160,529.19 Transaction at $50.37, now +2.9%
2026-03-13 Kerr Michael S General Counsel -$104,233.43 Transaction at $50.33, now +3.0%
2026-03-13 Breeden John E Chief Delivery Officer -$449,234.16 Transaction at $50.34, now +3.0%
2026-03-09 Kerr Michael S General Counsel -$638,417.588 Transaction at $51.59, now +0.5%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Q2 Holdings (QTWO) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for QTWO on Trend Edge →