最新ニュース Q2 Holdings (NYSE:QTWO) 株価情報

Q2 Holdings

Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.

Q2 Holdings Inc

DA Davidson analyst Peter Heckmann maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Neutral and raises the price target from $76 to $86.

News

Price Target

Analyst Ratings

QTWO

DA Davidson Maintains Neutral on Q2 Holdings, Raises Price Target to $86

Morgan Stanley analyst James Faucette maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Equal-Weight and raises the price target from $65 to $90.

Morgan Stanley Maintains Equal-Weight on Q2 Holdings, Raises Price Target to $90

Compass Point analyst Dominick Gabriele maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Buy and raises the price target from $91 to $107.

Compass Point Maintains Buy on Q2 Holdings, Raises Price Target to $107

Stephens &amp; Co. analyst Charles Nabhan maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Overweight and raises the price target from $75 to $100.

Stephens & Co. Maintains Overweight on Q2 Holdings, Raises Price Target to $100

RBC Capital analyst Daniel Perlin maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Sector Perform and raises the price target from $76 to $105.

RBC Capital Maintains Sector Perform on Q2 Holdings, Raises Price Target to $105

Goldman Sachs analyst Adam Hotchkiss maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Buy and raises the price target from $86 to $103.

Goldman Sachs Maintains Buy on Q2 Holdings, Raises Price Target to $103

WIIM

Q2 Holdings shares are trading higher after the company reported better-than-expected Q3 financial results and raised its FY24 revenue guidance. Multiple firms raised their respective price targets on the stock.

Truist Securities analyst Terry Tillman reiterates Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Buy and raises the price target from $78 to $100.

Reiteration

Truist Securities Reiterates Buy on Q2 Holdings, Raises Price Target to $100

Across the recent three months, 6 analysts have shared their insights on Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>), expressing a variety of opinions spanning from bullish to bearish.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $92.0, a high estimate of $120.00, and a low estimate of $76.00. This current average has increased by 18.86% from the previous average price target of $77.40. 
<img src="https://www.benzinga.com/files/images/story/2024/1730984429_0.png" alt="price target chart" />
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Q2 Holdings. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Mayank Tandon</td>
<td>Needham</td>
<td>Raises</td>
<td>Buy</td>
<td>$120.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>Arvind Ramnani</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Neutral</td>
<td>$93.00</td>
<td>$74.00</td>
</tr>
<tr>
<td>Andrew Schmidt</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$90.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$76.00</td>
<td>$76.00</td>
</tr>
<tr>
<td>Michael Del Grosso</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Buy</td>
<td>$91.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Palmer</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$75.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Q2 Holdings. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Q2 Holdings compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of Q2 Holdings's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
To gain a panoramic view of Q2 Holdings's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/QTWO/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Q2 Holdings analyst ratings.</a>
<h2>Discovering Q2 Holdings: A Closer Look</h2>
Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.
<h3>Q2 Holdings: Delving into Financials</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Q2 Holdings showcased positive performance, achieving a revenue growth rate of 11.88% as of 30 June, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Information Technology sector.
Net Margin: Q2 Holdings's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive -7.55% net margin, the company effectively manages costs and achieves strong profitability.
Return on Equity (ROE): Q2 Holdings's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of -2.76%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Q2 Holdings's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -1.05%, the company may face hurdles in achieving optimal financial returns.
Debt Management: With a high debt-to-equity ratio of 1.13, Q2 Holdings faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>What Are Analyst Ratings?</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
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Unveiling 6 Analyst Insights On Q2 Holdings

Needham analyst Mayank Tandon maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Buy and raises the price target from $90 to $120.

Needham Maintains Buy on Q2 Holdings, Raises Price Target to $120

Piper Sandler analyst Arvind Ramnani maintains Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) with a Neutral and raises the price target from $74 to $93.

Piper Sandler Maintains Neutral on Q2 Holdings, Raises Price Target to $93

Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) reported quarterly losses of $(0.20) per share which beat the analyst consensus estimate of $(0.22) by 9.09 percent. The company reported quarterly sales of $175.021 million which beat the analyst consensus estimate of $173.365 million by 0.96 percent. This is a 12.94 percent increase over sales of $154.967 million the same period last year.

Earnings

Earnings Beats

Q2 Holdings Q3 2024 GAAP EPS $(0.20) Beats $(0.22) Estimate, Sales $175.021M Beat $173.365M Estimate

Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) raises FY2024 sales outlook from $688.50 million-692.50 million to $691.50 million-694.50 million.

Guidance

Q2 Holdings Raises FY2024 Sales Guidance from $688.50M-692.50M to $691.50M-694.50M

Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) sees Q4 sales of $178.100 million-181.100 million vs $179.30 million estimate.

Q2 Holdings Sees Q4 Sales $178.100M-181.100M vs $179.30M Est

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Shares of companies within the broader technology sector are trading higher in sympathy with overall market strength after Donald Trump was elected president of the United States.

Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) is set to give its latest quarterly earnings report on Wednesday, 2024-11-06. Here's what investors need to know before the announcement.
Analysts estimate that Q2 Holdings will report an earnings per share (EPS) of $0.35. 
Investors in Q2 Holdings are eagerly awaiting the company's announcement, hoping for news of surpassing estimates and positive guidance for the next quarter.
It's worth noting for new investors that stock prices can be heavily influenced by future projections rather than just past performance.
<h3>Earnings History Snapshot</h3>
The company's EPS beat by $0.07 in the last quarter, leading to a 3.82% increase in the share price on the following day.
Here's a look at Q2 Holdings's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
<th>Q3 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.31</td>
<td>0.27</td>
<td>0.25</td>
<td>0.19</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.38</td>
<td>0.31</td>
<td>0.27</td>
<td>0.21</td>
</tr>
<tr>
<td>Price Change %</td>
<td>4.0%</td>
<td>15.0%</td>
<td>10.0%</td>
<td>11.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2024/1730833396_0.png" alt="eps graph" />
<h3>Tracking Q2 Holdings's Stock Performance</h3>
Shares of Q2 Holdings were trading at $84.38 as of November 04. Over the last 52-week period, shares are up 146.63%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Observations about Q2 Holdings</h3>
For investors, staying informed about market sentiments and expectations in the industry is paramount. This analysis provides an exploration of the latest insights on Q2 Holdings.
Analysts have provided Q2 Holdings with 4 ratings, resulting in a consensus rating of Buy. The average one-year price target stands at $84.75, suggesting a potential 0.44% upside.
<h3>Analyzing Ratings Among Peers</h3>
The below comparison of the analyst ratings and average 1-year price targets of ACI Worldwide, Clearwater Analytics Hldg and MARA Holdings, three prominent players in the industry, gives insights for their relative performance expectations and market positioning.
<ul>
<li>ACI Worldwide received a Buy consensus from analysts, with an average 1-year price target of $57.0, implying a potential 32.45% downside.</li>
<li>Clearwater Analytics Hldg is maintaining an Neutral status according to analysts, with an average 1-year price target of $28.0, indicating a potential 66.82% downside.</li>
<li>The consensus outlook from analysts is an Outperform trajectory for MARA Holdings, with an average 1-year price target of $20.5, indicating a potential 75.71% downside.</li>
</ul>
<h3>Peer Analysis Summary</h3>
The peer analysis summary presents essential metrics for ACI Worldwide, Clearwater Analytics Hldg and MARA Holdings, unveiling their respective standings within the industry and providing valuable insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Q2 Holdings</td>
<td>Buy</td>
<td>11.88%</td>
<td>$86.83M</td>
<td>-2.76%</td>
</tr>
<tr>
<td>ACI Worldwide</td>
<td>Buy</td>
<td>15.51%</td>
<td>$170.24M</td>
<td>2.48%</td>
</tr>
<tr>
<td>Clearwater Analytics Hldg</td>
<td>Neutral</td>
<td>18.82%</td>
<td>$76.90M</td>
<td>-0.12%</td>
</tr>
<tr>
<td>MARA Holdings</td>
<td>Outperform</td>
<td>77.52%</td>
<td>$-36.56M</td>
<td>-7.80%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Q2 Holdings ranks at the bottom for Revenue Growth among its peers. It is in the middle for Gross Profit. For Return on Equity, Q2 Holdings is at the bottom compared to its peers.
<h3>Unveiling the Story Behind Q2 Holdings</h3>
Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.
<h3>Q2 Holdings: A Financial Overview</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Q2 Holdings showcased positive performance, achieving a revenue growth rate of 11.88% as of 30 June, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Information Technology sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Q2 Holdings's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of -7.55%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Q2 Holdings's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of -2.76%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): Q2 Holdings's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of -1.05%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: Q2 Holdings's debt-to-equity ratio surpasses industry norms, standing at 1.13. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<a href="https://www.benzinga.com/quote/QTWO/earnings">To track all earnings releases for Q2 Holdings visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Examining the Future: Q2 Holdings's Earnings Outlook

Brightside offers savings and checking accounts, now powered by Helix, to companies to help employees facing financial hardship
<a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fhelix.q2.com%2F%3Futm_source%3Dbusiness_wire%26utm_medium%3Dpr%26utm_campaign%3Dfy_24_fidelity_andi_helix_site_press_release%26utm_term%3Dpress_release%26utm_content%3Dna%26hsLang%3Den&amp;esheet=54142437&amp;newsitemid=20241028707681&amp;lan=en-US&amp;anchor=Helix+by+Q2&amp;index=1&amp;md5=3e888c5cb58935155fdc211fdde335f6">Helix by Q2</a> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>), an award-winning, cloud-native core purpose-built for embedded finance, today announced its partnership with <a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.gobrightside.com%2F&amp;esheet=54142437&amp;newsitemid=20241028707681&amp;lan=en-US&amp;anchor=Brightside&amp;index=2&amp;md5=ecad59e5055490ef7363f99455daf0f8">Brightside</a>, a Financial Care benefit provider offered to employees by their employers. Brightside's savings, checking and business operations accounts, are now powered by Helix's banking as a service (BaaS) solution.
To help employees in need, Brightside directly offers products like debit cards, emergency savings accounts, cash advances, hardship programs, and other partner solutions, such as emergency loans and credit-building products.
Brightside chose <a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fhelix.q2.com%2Fresource-center%2Fblog%2Fbrightside-transforms-business-operations-with-helix-by-q2&amp;esheet=54142437&amp;newsitemid=20241028707681&amp;lan=en-US&amp;anchor=Helix%26%238217%3Bs+BaaS+solution&amp;index=3&amp;md5=2893b02d994cc5d839dafe2af7e3ecd6">Helix's BaaS solution</a> to power its savings, checking and business accounts because it was far more reliable and scalable than their previous vendor's solution. Additionally, Helix enabled Brightside to have a direct relationship with their bank partner without the need for FBO accounts or middleware and provided the oversight, control, and tooling necessary for both parties to collaborate efficiently and effectively.

Brightside Selects Helix By Q2 To Migrate BaaS Program; Brightside Offers Savings And Checking Accounts, Now Powered By Helix, To Co's To Help Employees Facing Financial Hardship

With Q2 Fabric, Envisant can evolve its offerings while driving back-office efficiency and strategic growth
<a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.q2.com&amp;esheet=54141499&amp;newsitemid=20241024965059&amp;lan=en-US&amp;anchor=Q2+Holdings%2C+Inc.&amp;index=1&amp;md5=1759817af86a491d7fee8ac32743404e">Q2 Holdings, Inc.</a> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>), a leading provider of digital transformation solutions for financial services, today announced its partnership with <a href="https://cts.businesswire.com/ct/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.envisant.com%2F&amp;esheet=54141499&amp;newsitemid=20241024965059&amp;lan=en-US&amp;anchor=Envisant&amp;index=2&amp;md5=511605428b221a91386cb47aeb5977fc">Envisant</a>, a NACUSO award-winning credit union service organization. Envisant will utilize Q2 Fabric to deliver prepaid card services to its credit union clients. Q2 Fabric is a full-stack solution that weaves together a best-in-class digital banking experience, a modern core (Helix), and a robust, pre-integrated fintech ecosystem to enable innovative financial institutions to offer unique and differentiated products.
Serving nearly 2,000 credit unions across all 50 states, Envisant's forward-thinking product strategy features credit and debit programs, prepaid debit cards, portfolio development consulting, agent credit card programs, collection services, ATM services, marketing and more.
Envisant has partnered with Q2 to utilize Q2 Fabric, enabling Envisant to evolve and grow its prepaid, gift card, and travel card portfolio across its credit union clients while streamlining its back-office operations. Envisant plans to migrate existing cards from its previous prepaid provider to Q2 Fabric, upgrading the customer experience with minimal impact to cardholders. Once migrated, Q2 Fabric provides the foundation to drive future product growth and expansion.

Envisant Selects Q2 To Migrate Prepaid Card Portfolio; Envisant Will Utilize Q2 Fabric To Deliver Prepaid Card Services To Its Credit Union Clients

Collaboration With Presidio Aims To Enhance Security And Advance Q2's Digital Banking Solutions

AMZN

AWS And Q2 Expand Strategic Partnership To Boost Banking Innovation, Leverage Generative AI For Automating Processes

Q2 Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QTWO#NYSE">QTWO</a>) underwent analysis by 11 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">7</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">5</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $82.27, along with a high estimate of $91.00 and a low estimate of $75.00. This upward trend is evident, with the current average reflecting a 23.71% increase from the previous average price target of $66.50.
<img src="https://www.benzinga.com/files/images/story/2024/1729260082_0.png" alt="price target chart" />
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
A comprehensive examination of how financial experts perceive Q2 Holdings is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Andrew Schmidt</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Neutral</td>
<td>$90.00</td>
<td>$72.00</td>
</tr>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Maintains</td>
<td>Neutral</td>
<td>$76.00</td>
<td>$76.00</td>
</tr>
<tr>
<td>Michael Del Grosso</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Buy</td>
<td>$91.00</td>
<td>-</td>
</tr>
<tr>
<td>Mark Palmer</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$82.00</td>
<td>$75.00</td>
</tr>
<tr>
<td>Mayank Tandon</td>
<td>Needham</td>
<td>Raises</td>
<td>Buy</td>
<td>$90.00</td>
<td>$65.00</td>
</tr>
<tr>
<td>Mark Palmer</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$75.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Adam Hotchkiss</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Buy</td>
<td>$86.00</td>
<td>$59.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$76.00</td>
<td>$60.00</td>
</tr>
<tr>
<td>Parker Lane</td>
<td>Stifel</td>
<td>Raises</td>
<td>Buy</td>
<td>$85.00</td>
<td>$65.00</td>
</tr>
<tr>
<td>Terry Tillman</td>
<td>Truist Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$78.00</td>
<td>$68.00</td>
</tr>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Neutral</td>
<td>$76.00</td>
<td>$65.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Q2 Holdings. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of Q2 Holdings compared to the broader market.</li>
<li>Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
For valuable insights into Q2 Holdings's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/QTWO/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Q2 Holdings analyst ratings.</a>
<h2>All You Need to Know About Q2 Holdings</h2>
Q2 Holdings Inc. is a provider of cloud-based virtual banking solutions for regional financial institutions to deliver mobile banking services to retail and commercial end-users who wish to bank anywhere and anytime. Its solutions operate on an integrated tablet-first platform which provides financial institutions a comprehensive view of account holder activity and meets the regulatory and security requirements applicable to the industry. The firm generates revenue from subscription-based arrangements for software offerings. A large majority of the firm's revenue is generated in the United States.
<h3>Understanding the Numbers: Q2 Holdings's Finances</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: Q2 Holdings's remarkable performance in 3 months is evident. As of 30 June, 2024, the company achieved an impressive revenue growth rate of 11.88%. This signifies a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Information Technology sector.
Net Margin: Q2 Holdings's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of -7.55%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Q2 Holdings's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of -2.76%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Q2 Holdings's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of -1.05%, the company may face hurdles in achieving optimal financial returns.
Debt Management: Q2 Holdings's debt-to-equity ratio surpasses industry norms, standing at 1.13. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>Analyst Ratings: What Are They?</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

11 Analysts Assess Q2 Holdings: What You Need To Know

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The financial sector is booming, fueled by technological leaps and easier access to services. In this thriving landscape, Q2 Holdings (QTWO), Upstart Holdings (UPST), and Block, Inc. (SQ) shine brightly with solid fundamentals and exciting growth potential, making them standout contenders in the industry. Read on… The financial market is expanding owing to the evolving demands of both individuals and organizations. Moreover, the rising adoption of digital technologies, broad access to various loans, and the availability of easier and more accessible payment options are helping the industry grow.
Amid this backdrop, investing in fundamentally stable financial stocks, Q2 Holdings, Inc. (<a href="https://stocknews.com/stock/QTWO/">QTWO</a>), Upstart Holdings, Inc. (<a href="https://stocknews.com/stock/UPST/">UPST</a>), and Block, Inc. (<a href="https://stocknews.com/stock/SQ/">SQ</a>) could be a wise idea for investors. All three stocks are well-positioned for growth in 2025.
The financial industry is undergoing a dynamic transformation driven by technology and evolving consumer needs. Innovations like artificial intelligence (AI) and data analytics are streamlining operations, enhancing customer experiences, and opening new avenues for growth. This wave of change promises a future that is smarter, faster, and more inclusive.
AI has become <a href="https://cloud.google.com/discover/finance-ai">a game-changer for finance</a>, offering capabilities far beyond traditional methods. From generating predictive insights to performing real-time calculations, AI ensures efficiency at every turn. Tasks like customer servicing and intelligent data retrieval now operate seamlessly, creating a market that thrives on speed, accuracy, and profitability.
Moreover, as per a report by market.us, the consumer finance market is projected to hit $2.53 trillion by 2033 at <a href="https://market.us/report/consumer-finance-market/">a 7.1% CAGR</a>. Simplifying financial processes has been a game-changer, making finance accessible to all. This democratization of finance is fueling innovation and paving the way for an inclusive financial ecosystem.
Considering these trends, let us dive deep into the fundamentals of three <a href="https://stocknews.com/category/enterprise-financial-services/">Financial Services (Enterprise)</a> stocks, starting with #3.
Stock #3: Q2 Holdings, Inc. (<a href="https://stocknews.com/stock/QTWO/">QTWO</a>)
QTWO offers cloud-based digital solutions to regional and community financial institutions. Its Digital Banking Platform provides an end-to-end solution, enabling financial institutions to deliver unified, seamless banking services across multiple digital channels.
On November 21, QTWO announced that First Pacific Bank had selected QTWO's <a href="https://www.q2.com/company/news/pr/first-pacific-bank-chooses-q2?hsLang=en">advanced digital banking platform</a>. The decision reflects QTWO's ability to empower community banks with cutting-edge technology, enabling them to enhance their services, attract commercial banking clients, and maintain a competitive edge in Southern California's dynamic financial landscape.
On November 19, QTWO <a href="https://www.q2.com/company/news/pr/q2-announces-enhanced-partnership-with-larky?hsLang=en">revealed a strategic reseller partnership</a> with Larky, a provider of consumer engagement technology. The partnership underscores QTWO's commitment to innovation, equipping financial institutions with tools to engage account holders proactively through personalized, timely, and location-aware push notifications.
For the fiscal 2024 third quarter that ended September 30, QTWO's non-GAAP revenue increased 12.9% year-over-year to $175.02 million. Its non-GAAP gross profit grew 17.2% from the year-ago value to $97.96 million. Moreover, the company's non-GAAP operating income rose 101.2% from the prior year's quarter to $25.32 million.
In addition, QTWO's adjusted EBITDA grew 65.9% from the prior year's quarter to $32.61 million.
Analysts expect QTWO's revenue  and EPS for the fiscal fourth quarter ending December 2024 to increase 11% and 73.4% year-over-year to $179.95 million and $0.47, respectively. Moreover, the company has surpassed the consensus revenue and EPS estimates in all four trailing quarters, which is impressive.
Shares of QTWO have surged 72.4% over the past six months and 205.1% over the past year to close the last trading session at $107.36.
QTWO's <a href="https://stocknews.com/powr-ratings/">POWR Ratings</a> reflect its fundamentals. The POWR Ratings assess stocks by 118 different factors, each with its own weighting.
QTWO has an A grade for Growth. It is ranked #56 out of 83 stocks in the <a href="https://stocknews.com/category/enterprise-financial-services/">Financial Services (Enterprise)</a> industry.
In addition to the POWR Rating highlighted above, you can check QTWO's ratings for Stability, Value, Quality, Momentum, and Sentiment <a href="https://stocknews.com/stock/QTWO/">here</a>.
Stock #2: Upstart Holdings, Inc. (<a href="https://stocknews.com/stock/UPST/">UPST</a>)
UPST operates a cloud-based AI lending platform, offering a wide array of loan products such as personal loans, automotive loans, home equity lines of credit, and small-dollar loans. By using AI, UPST connects consumer demand for loans with banks and credit unions, streamlining the loan process and making it faster and more efficient.
On November 19, UPST announced that DR Bank, an FDIC-insured member bank, adopted UPST's <a href="https://ir.upstart.com/news-releases/news-release-details/dr-bank-chooses-upstarts-small-dollar-loan-product-expand-access">small-dollar loan product</a> to support customers with short-term financial needs. The collaboration allows UPST to strengthen its presence in the banking sector, showcasing its ability to deliver tailored credit solutions for diverse financial requirements.
On November 13, UNCLE Credit Union, a Northern California credit union with over 38,000 members, partnered with UPST to <a href="https://ir.upstart.com/news-releases/news-release-details/uncle-credit-union-selects-upstart-personal-lending">offer personal loans</a> to new and existing members. The agreement demonstrates UPST's potential to enhance its footprint in the credit union market by providing flexible and efficient lending tools.
For the fiscal third quarter that ended September 30, 2024, UPST achieved a 20.5% year-over-year increase in revenue, totaling $162.14 million. The company's adjusted EBITDA was reported at $1.41 million. As of September 30, 2024, UPST's cash reached $445.27 million, with total assets amounting to $1.81 billion as of September 31, 2024.
For the fiscal year ending December 2025, Street expects UPST's revenue to increase 35.7% year-over-year to $812.75 million. Moreover, its EPS for the same period is expected to come in at $0.53. The company has surpassed the consensus revenue and EPS estimates in all four trailing quarters.
UPST's shares surged 228.1% over the past nine months and 235.1% over the past year to close the last trading session at $79.52.
UPST's fundamentals are mirrored in its POWR Ratings. It has a B grade for Growth.
The stock is ranked #53 out of 83 stocks within the Financial Services (Enterprise) industry.
<a href="https://stocknews.com/stock/UPST/">Click here</a> to access UPST's ratings for Value, Momentum, Stability, Quality, and Sentiment.
Stock #1: Block, Inc. (<a href="https://stocknews.com/stock/SQ/">SQ</a>)
SQ builds ecosystems centered around commerce and financial services through its Square and Cash App segments. Additionally, the company operates TIDAL, a music streaming platform, and several blockchain-focused initiatives like TBD, Bitkey, and Spiral.
On October 21, SQ's Square <a href="https://investors.block.xyz/investor-news/news-details/2024/Square-Rolls-Out-New-Partnerships-and-Features-to-Enable-Beauty-and-Wellness-Sellers-to-Succeed/default.aspx">announced new partner integrations</a> and a distribution partnership with SalonCentric, expanding its offerings to beauty professionals. By introducing these tools, Square enhances its platform to help sellers grow and succeed, providing solutions that streamline operations, improve client personalization, and increase sales.
On October 17, SQ's Cash App partnered with Lyft to <a href="https://investors.block.xyz/investor-news/news-details/2024/Cash-App-Pay-Integrates-with-Lyft-for-Seamless-Payments/default.aspx">provide digital-first consumers</a> with more flexibility in paying for rides. The collaboration integrates Cash App Pay into Lyft's payment system, focusing on the convenience and preferences of the next generation of riders.
By offering seamless payment options, SQ strengthens Cash App's role in the digital payment space and meets the increasing demand for streamlined, flexible transaction experiences.
For the fiscal third quarter that ended September 30, 2024, SQ's total net revenue increased 6.4% year-over-year to $5.98 billion. Its adjusted operating income rose 394.2% from the year-ago value to $443.52 million.
Additionally, the company's adjusted net income and adjusted net income per share rose 76.5% and 76% from the prior year's quarter to $555.08 million and $0.88, respectively.
The consensus revenue and EPS estimates of $6.25 billion and $0.87 for the fiscal fourth quarter ending December 2024 exhibit a year-over-year rise of 8.2% and 92.8%, respectively.
Shares of SQ have gained 36.8% over the past six months and 52.1% over the past year, closing the last trading session at $90.75.
SQ's POWR Ratings reflect its prospects. The stock has an A grade for Growth and a B for Momentum.
Within the same industry, it is ranked #42 out of 83 stocks. <a href="https://stocknews.com/stock/SQ/">Click here</a> to access SQ's ratings for Quality, Stability, Value, and Sentiment.
What To Do Next?
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<hr />
SQ shares were unchanged in premarket trading Tuesday. Year-to-date, SQ has gained 17.32%, versus a 26.90% rise in the benchmark S&amp;P 500 index during the same period.
<hr><div style="clear:both;"></div> <h2>About the Author: Aanchal Sugandh</h2> <img src='https:/wp-content/uploads/2022/12/Aanchal-Sugandh_Headshot.jpg' style="float:left; padding:5px;width:125px;">Aanchal's passion for financial markets drives her work as an investment analyst and journalist. She earned her bachelor's degree in finance and is pursuing the CFA program.

She is proficient at assessing the long-term prospects of stocks with her fundamental analysis skills. Her goal is to help investors build portfolios with sustainable returns.<a href="https://stocknews.com/authors/?author=aanchal-sugandh">More...</a>The post <a href=https://stocknews.com/news/sq-upst-qtwo-3-promising-financial-stocks-to-watch-for-growth-in-2025/>3 Promising Financial Stocks to Watch for Growth in 2025</a> appeared first on <a href=https://stocknews.com/>StockNews.com</a>

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