Q2 Holdings, Inc. (QTWO) Stock Analysis

Q: What is the QTWO stock price target?

Take-profit $65.32 (+33.7% upside). Prior stop was $45.43.

Recovery setup

SellVALUE-TRAP 1/5Moderate ConfidenceUpdated 2026-04-30

Technology · Software - Application

Sell if holding. Multiple concerning factors at $49.39: Consecutive earnings misses (2); Concentration risk — Customer: financial services industry.

Q2 provides cloud-based digital banking software to financial institutions, FinTechs, and Alt-FIs, primarily regional and community banks. As of Dec 31, 2025, it served 457 installed digital banking customers with 27.3M account holders, processing $4T+ in transactions in 2025.... Read more

$49.39+33.7% A.UpsideScore 5.3/10#71 of 96 Software - Application

Stop $45.43Target $65.32(analyst − 13%)A.R:R 3.3:1

Analyst target$75.08+52.0%13 analysts

$65.32our TP

$49.39price

$75.08mean

$86

Sell if holding. Multiple concerning factors at $49.39: Consecutive earnings misses (2); Concentration risk — Customer: financial services industry. Chart setup: Death cross but MACD improving, RSI 56. Score 5.3/10, moderate confidence.

Passes 7/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news boost analyst 0.35, earnings proximity no date, semi cycle peak clear). Fails on death cross (50MA < 200MA). Suitability: aggressive.

Thesis

Rewards

Analyst upside: 34%

Recent Analyst detected in news

Risks

Concentration risk — Customer: financial services industry

Consecutive earnings misses (2)

Below 200-MA, MA slope -8.8%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)65.6

P/E (Fwd)15.7

Mkt Cap$3.3B

EV/EBITDA43.0

Profit Mgn6.5%

ROE8.8%

Rev Growth13.8%

Beta1.42

DividendNone

Rating analysts22

Quality Signals

Piotroski F8/9

Options Flow

P/C0.20bullish

IV73%elevated

Max Pain$120+143.0% vs spot

Concentration Risks(10-K Item 1A)

HIGHCustomerfinancial services industry
10-K Item 1A: 'We derive substantially all of our revenues from customers in the financial services industry, and in particular RCFIs'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value6.615%0.99

Quality5.115%0.76

Growth5.915%0.89

Momentum4.910%0.49

Sentiment7.810%0.78

Insider Activity3.010%0.30

Peer Rank2.910%0.29

Technical Setup4.85%0.24

Risk Profile5.75%0.29

Catalyst5.15%0.26

Overall (Σ contributions)5.28

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank

2.9

Growth Rank

4.3

Quality Rank

4.6

GatesDeath cross (50MA < 200MA)Momentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5A.R:R 3.3 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.35EARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARRecoverySuitability: Aggressive

RSI

56 · Neutral

↓ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $44.74Resistance $54.60

Price Targets

$45

$65

A.Upside+32.3%

A.R:R3.3:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Death cross — 50-day MA below 200-day MA

Earnings

2/4 beats

Next Earnings2026-04-29 (nulld)

Verdict History

reverse chrono — latest first

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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is QTWO stock a buy right now?

Sell if holding. Multiple concerning factors at $49.39: Consecutive earnings misses (2); Concentration risk — Customer: financial services industry. Chart setup: Death cross but MACD improving, RSI 56. Prior stop was $45.43. Score 5.3/10, moderate confidence.

What is the QTWO stock price target?

Take-profit target: $65.32 (+33.7% upside). Prior stop was $45.43. Stop-loss: $45.43.

What are the risks of investing in QTWO?

Concentration risk — Customer: financial services industry; Consecutive earnings misses (2); Below 200-MA, MA slope -8.8%/30d (confirmed downtrend).

Is QTWO overvalued or undervalued?

Q2 Holdings, Inc. trades at a P/E of 65.6 (forward 15.7). TrendMatrix value score: 6.6/10. Verdict: Sell.

What do analysts say about QTWO?

22 analysts cover QTWO with a consensus score of 4.0/5. Average price target: $75.

What does Q2 Holdings, Inc. do?Q2 provides cloud-based digital banking software to financial institutions, FinTechs, and Alt-FIs, primarily regional...