Core Insights - Q2 Holdings (QTWO) reported revenue of $208.22 million for the quarter ended December 2025, reflecting a year-over-year increase of 13.8% [1] - The company's EPS for the quarter was $0.61, up from $0.48 in the same quarter last year, indicating a positive trend in earnings [1] - The reported revenue exceeded the Zacks Consensus Estimate of $204.82 million by 1.66%, and the EPS also surpassed the consensus estimate of $0.59 by 4.1% [1] Financial Performance Metrics - Registered users for Q2 Holdings were reported at 27.3 million, slightly below the estimated 27.5 million [4] - Subscription revenue was $170.67 million, exceeding the average estimate of $168.64 million [4] - Revenue from services and other sources was $20.15 million, surpassing the average estimate of $18.8 million [4] - Transactional revenue reached $17.41 million, slightly above the average estimate of $17.38 million [4] Stock Performance - Over the past month, shares of Q2 Holdings have declined by 16.7%, while the Zacks S&P 500 composite experienced a minor decline of 0.3% [3] - The stock currently holds a Zacks Rank of 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]

Core Viewpoint - Q2 Holdings (QTWO) reported quarterly earnings of $0.61 per share, exceeding the Zacks Consensus Estimate of $0.59 per share, and showing an increase from $0.48 per share a year ago, indicating a positive earnings surprise of +4.10% [1] Financial Performance - The company achieved revenues of $208.22 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.66%, and up from $183.04 million in the same quarter last year [2] - Over the last four quarters, Q2 Holdings has exceeded consensus EPS estimates three times and topped consensus revenue estimates four times [2] Stock Performance - Q2 Holdings shares have declined approximately 20.6% since the beginning of the year, contrasting with the S&P 500's gain of 1.4% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.67 on revenues of $209.95 million, and for the current fiscal year, it is $2.79 on revenues of $872.62 million [7] - The trend of earnings estimate revisions for Q2 Holdings was mixed prior to the earnings release, which may change following the recent report [6] Industry Context - The Internet - Software industry, to which Q2 Holdings belongs, is currently ranked in the bottom 44% of over 250 Zacks industries, suggesting potential challenges ahead [8] - Another company in the same industry, VTEX, is expected to report quarterly earnings of $0.05 per share, reflecting a year-over-year increase of +66.7% [9]

Q2 (NYSE:QTWO) Q4 2025 Earnings call February 11, 2026 05:00 PM ET Company ParticipantsAlex Sklar - Raymond JamesAndrew Schmidt - Managing DirectorJonathan Price - CFOJosh Yankovich - Head of Investor RelationsMatt Flake - CEOMatt VanVliet - Managing DirectorMatthew Inglis - Assistant VPParker Lane - Director of SoftwareTerry Tillman - Managing DirectorConference Call ParticipantsCharles Nabhan - Managing Director and Research AnalystChris Kennedy - Research AnalystElla Smith - Equity Research AnalystJames ...

Q2 (NYSE:QTWO) Q4 2025 Earnings call February 11, 2026 05:00 PM ET Company ParticipantsAlex Sklar - Raymond JamesAndrew Schmidt - Managing DirectorJonathan Price - CFOJosh Yankovich - Head of Investor RelationsMatt Flake - CEOMatt VanVliet - Managing DirectorMatthew Inglis - Assistant VPMatthew Kikkert - Equity Research AssociateMike Infante - VP of Equity ResearchTerry Tillman - Managing DirectorConference Call ParticipantsCharles Nabhan - Managing Director and Research AnalystChris Kennedy - Research Anal ...

Q2 (NYSE:QTWO) Q4 2025 Earnings call February 11, 2026 05:00 PM ET Speaker3Good afternoon. My name is Kevin, and I will be your conference operator today. At this time, I would like to welcome everyone to the Q2 Holdings fourth quarter and full year 2025 financial results conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question, please raise your hand. If you have dialed ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025. or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Q2 Holdings, Inc. (Exact name of Registrant as Specified in Its Charter) Delaware 001-36350 20-2706637 (Commission File Number) (IRS Employer ...

February 11, 2026 Q2 02 Safe Harbor Statement 4th Quarter & Full-Year 2025 Results This presentation and the accompanying oral presentation contain forward-looking statements and information that are based on our management's beliefs and assumptions and our manacement. The satements and information cortained in this presentation that are not purel historical are corward-looking statements within the meaning of the Private Section 21A di the Seourities Act of 1933, as amerched, and Section 21E of the Securit ...

Exhibit 99.1 FOR IMMEDIATE RELEASE "We closed out 2025 with the second strongest bookings quarter in company history, building from the third quarter momentum and reflecting strong execution across our business," said Matt Flake, Chairman, President and CEO, Q2. "The year featured a balanced mix of net new and expansion wins, continued demand across our major product lines and was also a pivotal year for AI-driven innovation. We delivered meaningful improvements in profitability and free cash flow, which we ...

Core Insights - Q2 Holdings, Inc. reported strong financial results for Q4 and full-year 2025, achieving a GAAP net income of $20.4 million for Q4 and $52.0 million for the full year, a significant improvement from a net loss of $38.5 million in 2024 [1][2] - The company experienced a 14% year-over-year revenue growth, reaching $208.2 million in Q4 and $794.8 million for the full year [1][2] - Q2 Holdings emphasized its focus on AI-driven innovation and strong execution across its business, which contributed to improved profitability and cash flow [1][2] Financial Performance - GAAP gross margin for Q4 was 55.4%, up from 52.6% in the prior year, and for the full year, it was 54.1%, compared to 50.9% in 2024 [1][2] - Non-GAAP adjusted EBITDA for Q4 was $51.2 million, an increase from $37.6 million in the prior year, and for the full year, it was $186.5 million, up from $125.3 million in 2024 [1][2] - The company signed eight significant contracts in Q4, including agreements with a top five credit union and a $40 billion bank, indicating strong demand for its digital banking solutions [1][2] Growth and Strategy - Q2 Holdings aims to leverage AI as a core element of its long-term strategy, enhancing its platform to deliver faster innovation and improve productivity [1][2] - The company anticipates subscription revenue growth of approximately 12.5% to 13% for 2027, with a long-term goal of achieving a non-GAAP gross margin of around 65% by 2030 [2] - Q2 Holdings is raising its full-year 2026 subscription revenue growth outlook, reflecting confidence in its operational execution and market demand [1][2] Shareholder Actions - In Q4 2025, Q2 retired $191 million in convertible debt and repurchased approximately 69,000 shares at an average price of $72.52, demonstrating a commitment to returning value to shareholders [1][2] - The company has $145 million remaining on its share repurchase authorization, indicating ongoing plans to manage its capital structure effectively [1][2]

Q2 Q2 Holdings, Inc. Investor Presentation February 2026 Ω2 Safe Harbor Statement This presentation and the accompanying oral presentation contain forward-looking statements and information that are based on our management's beliefs and assumptions and our manacement. The satements and information cortained in this presentation that are not purel historical are corward-looking statements within the meaning of the Private Section 21A di the Seourities Act of 1933, as amerched, and Section 21E of the Securiti ...