Market Price

93.99 

2.60 2.8%

as of May 14 '21

52 Week Range:

76.20 148.56


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Q2 Holdings, Inc. provides cloud-based digital banking solutions to regional and community financial institutions (RCFIs) in the United States. It offers Q2online, a browser-based digital banking solution that delivers RCFI-branded digital banking capabilities; Q2 Sentinel, a security analytics solution; Q2 Corporate to support RCFIs to attract and retain larger commercial accounts; and Q2 SMART, a targeting and messaging platform. The company also provides Q2 Account Opening solution; Q2 Active/Active that operates various data centers; and Q2 Patrol, an event-driven validation product. In addition, it offers Q2mobility App, a mobile and tablet digital banking solution; Q2mobile Remote Deposit Capture, a partnered solution that allows remote check deposit capture; Q2 Person-to-Person Payments, a partnered secure and integrated person-to-person payments solution; Detection Monitoring Service, a security threat tracking solution; and Q2 CardSwap that allows account holders receiving newly issued cards to automatically change their payment information with existing subscription and digital point-of-sale services. Further, the company provides Q2text, a mobile solution, which enables digital banking activities through the text messaging function of the device; Q2voice, a voice-based solution for telephones; and Q2themes, a personalization solution for customizing digital banking services. Additionally, it offers Q2clarity, an analytics solution for Q2online customers; Centrix Dispute Tracking System, an electronic transaction dispute management solution; Centrix Payments I.Q. System, an ACH file monitoring and risk reporting solution; and Centrix Exact/Transaction Management System, a fraud prevention tool. The company was formerly known as CBG Holdings, Inc. and changed its name to Q2 Holdings, Inc. in March 2013. Q2 Holdings, Inc. was founded in 2005 and is headquartered in Austin, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 2.34
3.17
2.54
2.45
3.67
7.89
11.47
growth rate 35.5% -19.9% -3.5% 49.8% 115.0% 45.4%
Earnings BIT -1.76
-7.36
-17.62
-19.07
-22.35
-29.41
-25.68
-27.71
-50.43
-85.18
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Avg.PE -13.76
-13.76
-13.76
-13.76
-53.81
-53.81
-53.81
-53.81
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
ROA -9.54
-27.69
-38.53
-19.84
-14.69
-17.93
-12.65
-10.46
-9.62
-11.34
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
ROE -46.37
-25.46
-33.32
-25.30
-26.66
-26.33
-26.91
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
ROIC -41.25
-25.36
-33.13
-25.71
-9.12
-9.46
-11.23
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cur. Ratio 1.81
1.00
1.16
3.18
2.92
2.12
1.93
2.96
1.40
4.23
growth rate -44.8% 16.0% 174.1% -8.2% -27.4% -9.0% 53.4% -52.7% 202.1%
Quick Ratio 1.53
0.78
0.95
2.86
2.62
1.84
1.66
2.68
1.17
3.95
growth rate -49.0% 21.8% 201.1% -8.4% -29.8% -9.8% 61.5% -56.3% 237.6%
Leverage 10.65
1.73
1.73
2.01
1.99
2.92
2.66
2.20
growth rate -83.8% 0.0% 16.2% -1.0% 46.7% -8.9% -17.3%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 3.90
5.86
9.06
5.01
9.01
12.24
13.20
20.27
23.31
37.52
growth rate 50.2% 54.7% -44.8% 79.9% 35.9% 7.9% 53.5% 15.0% 60.9%
Acct.Payable 7.45
15.75
1.99
3.45
4.23
7.62
9.17
10.97
7.89
growth rate 111.4% -87.4% 73.7% 22.6% 80.1% 20.3% 19.6% -28.1%
Cur.Assets 22.70
19.13
33.87
104.52
133.22
125.67
131.09
218.31
186.34
616.22
growth rate -15.7% 77.0% 208.6% 27.5% -5.7% 4.3% 66.5% -14.7% 230.7%
Total Assets 31.70
31.68
61.11
136.81
204.47
200.98
212.82
463.72
1,009.43
1,416.70
growth rate -0.1% 92.9% 123.9% 49.5% -1.7% 5.9% 117.9% 117.7% 40.4%
Cash 15.40
9.23
18.79
67.98
67.05
54.87
57.96
108.34
100.09
407.70
growth rate -40.1% 103.7% 261.8% -1.4% -18.2% 5.6% 86.9% -7.6% 307.3%
Cur.Liabilities 12.60
19.08
29.19
32.40
45.69
59.21
68.07
73.68
132.97
145.83
growth rate 51.4% 53.0% 11.0% 41.0% 29.6% 15.0% 8.2% 80.5% 9.7%
Liabilities 43.00
28.93
55.37
57.87
86.49
100.75
106.19
304.82
630.02
773.34
growth rate -32.7% 91.4% 4.5% 49.5% 16.5% 5.4% 187.0% 106.7% 22.8%
LT Debt 2.60
0.48
6.86
0.17
182.72
424.78
557.47
growth rate -81.7% 1,344.8% -97.6% 475.1% 132.5% 31.2%
Equity 5.70
78.94
117.97
100.24
106.62
158.90
379.41
643.36
growth rate 1,284.9% 49.5% -15.0% 6.4% 49.0% 138.8% 69.6%
Common Shares 12.00
12.00
32.00
29.00
37.00
40.00
41.00
43.00
46.00
52.00
growth rate 0.0% 166.7% -9.4% 27.6% 8.1% 2.5% 4.9% 7.0% 13.0%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 1.10
1.80
11.14
5.04
7.13
14.35
16.13
13.29
13.86
23.72
growth rate 64.0% 517.4% -54.8% 41.5% 101.3% 12.4% -17.6% 4.3% 71.1%
Cash From OA -5.29
5.40
3.39
9.47
4.60
0.57
-2.89
growth rate 100.0% -37.1% 179.1% -51.5% -87.7% -100.0%
FCF per Share -0.31
-0.15
-0.40
-0.19
-0.21
-0.15
-0.77
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock 0.02
19.43
88.30
56.75
6.00
11.56
growth rate 114,194.1% 354.5% -35.7% -89.4% 92.6%
FCF -2.00
-5.00
-13.00
-10.00
-2.00
-14.00
-4.00
-9.00
-14.00
-28.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 27.00
41.10
56.87
79.13
108.87
150.22
193.98
241.10
315.48
402.75
growth rate 52.2% 38.4% 39.1% 37.6% 38.0% 29.1% 24.3% 30.9% 27.7%
Op.Income -1.70
-7.52
-17.68
-19.07
-22.35
-29.41
-25.68
-27.71
-50.43
-85.18
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
IBT -1.80
-7.36
-17.62
-19.56
-24.84
-35.93
-26.48
-39.20
-83.36
-136.20
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Net Income -3.00
-7.52
-17.68
-19.63
-25.06
-36.35
-26.16
-35.40
-70.88
-137.62
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
EPS -0.26
-0.74
-0.56
-0.67
-0.67
-0.92
-0.63
-0.83
-1.53
-2.65
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Gross Profit 12.20
15.93
20.61
33.08
49.74
72.80
94.49
119.25
153.29
175.53
growth rate 30.6% 29.4% 60.5% 50.4% 46.4% 29.8% 26.2% 28.6% 14.5%
R&D 3.40
5.32
9.03
12.09
21.53
32.46
40.34
51.33
76.27
97.38
growth rate 56.4% 69.8% 33.9% 78.2% 50.7% 24.3% 27.3% 48.6% 27.7%

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Earnings BIT -29.17
-17.74
-18.83
-19.75
growth rate 0.0% 0.0% 0.0%
Balance Sheet Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Acct.Receivable 27.58
34.63
43.24
37.52
growth rate 25.6% 24.8% -13.2%
Acct.Payable 12.82
7.03
15.41
7.89
14.26
growth rate -45.2% 119.3% -48.8% 80.8%
Cur.Assets 178.81
464.54
480.59
616.22
616.94
growth rate 159.8% 3.5% 28.2% 0.1%
Total Assets 1,002.50
1,281.58
1,293.51
1,416.70
1,420.50
growth rate 27.8% 0.9% 9.5% 0.3%
Cash 83.08
376.26
365.20
407.70
370.70
growth rate 352.9% -2.9% 11.6% -9.1%
Inventory
growth rate
Cur.Liabilities 140.53
119.84
145.06
145.83
153.40
growth rate -14.7% 21.0% 0.5% 5.2%
Liabilities 641.59
634.09
656.25
773.34
787.53
growth rate -1.2% 3.5% 17.8% 1.8%
LT Debt 430.27
435.88
441.55
557.47
564.51
growth rate 1.3% 1.3% 26.3% 1.3%
Equity 360.91
647.49
637.26
643.36
632.97
growth rate 79.4% -1.6% 1.0% -1.6%
Common Shares 0.01
0.01
0.01
0.01
0.01
growth rate 0.0% 0.0% 20.0% 0.0%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Capital Expenditures 4.64
10.13
1.76
7.18
growth rate 118.3% -82.6% 307.1%
Cash From OA -15.80
-11.42
5.24
19.09
-5.48
growth rate 0.0% 100.0% 264.6% -100.0%
Sale Purchase of Stock
growth rate
FCF -20.44
-21.55
3.47
11.91
growth rate 0.0% 100.0% 243.1%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Sales 92.38
97.58
103.80
108.99
116.52
growth rate 5.6% 6.4% 5.0% 6.9%
Op.Income -29.17
-17.74
-18.83
-19.75
growth rate 0.0% 0.0% 0.0%
IBT -33.67
-38.91
-26.60
-37.03
-25.52
growth rate 0.0% 0.0% 0.0% 0.0%
Net Income -34.11
-38.97
-26.72
-37.82
-25.66
growth rate 0.0% 0.0% 0.0% 0.0%
EPS
growth rate
Gross Profit 39.27
44.58
46.64
44.74
53.20
growth rate 13.5% 4.6% -4.1% 18.9%
R&D 24.96
23.64
23.57
25.21
26.80
growth rate -5.3% -0.3% 7.0% 6.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (13.21)

YOY Growth Grade:

F (13.43)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is negative, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE -53.81 -155.36 195.16
EPS / Growth 0.0% -0.61 20.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 23.3% 30.0%
Future PE 0.00 23.34 30.04
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT 99.00 99.00 99.00

Graham Number:

Current EPS is negative, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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