Q2 Holdings Stock Z Score

QTWO Stock

USD 73.98 0.88 1.18%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Q2 Holdings Piotroski F Score and Q2 Holdings Valuation analysis.

To learn how to invest in QTWO Stock, please use our How to Invest in Q2 Holdings guide.

Build AI portfolio with QTWO Stock

At this time, Q2 Holdings' Additional Paid In Capital is very stable compared to the past year. As of the 30th of September 2025, Capital Lease Obligations is likely to grow to about 51.6 M, while Capital Surpluse is likely to drop about 648.9 M. At this time, Q2 Holdings' EBITDA is very stable compared to the past year. As of the 30th of September 2025, Cost Of Revenue is likely to grow to about 359.1 M, while Depreciation And Amortization is likely to drop about 36.2 M.

Q2 Holdings Company Z Score Analysis

Q2 Holdings' Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

QTWO Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Q2 Holdings is extremely important. It helps to project a fair market value of QTWO Stock properly, considering its historical fundamentals such as Z Score. Since Q2 Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Q2 Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Q2 Holdings' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Current Deferred Revenue	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Long Term Debt	Short Term Investments	Property Plant Equipment	Net Tangible Assets	Good Will	Deferred Long Term Liab	Short Long Term Debt	Treasury Stock	Intangible Assets	Capital Surpluse	Net Invested Capital	Net Working Capital	Long Term Debt Total	Capital Stock
Total Assets		0.98	0.85	0.87	-0.87	0.78	0.95	0.99	0.96	0.36	0.89	0.96	0.81	0.95	-0.8	0.98	0.79	0.43	-0.81	0.9	0.98	0.98	0.82	0.93	0.91
Total Stockholder Equity	0.98		0.82	0.78	-0.84	0.74	0.9	0.95	0.96	0.36	0.9	0.91	0.75	0.93	-0.72	0.95	0.81	0.41	-0.79	0.89	0.96	0.96	0.83	0.9	0.9
Current Deferred Revenue	0.85	0.82		0.73	-0.99	0.75	0.89	0.86	0.85	0.73	0.84	0.79	0.75	0.89	-0.84	0.88	0.75	0.78	-0.76	0.7	0.89	0.89	0.7	0.93	0.95
Net Debt	0.87	0.78	0.73		-0.74	0.74	0.86	0.92	0.74	0.2	0.69	0.94	0.78	0.78	-0.88	0.89	0.61	0.28	-0.7	0.87	0.83	0.86	0.65	0.83	0.76
Retained Earnings	-0.87	-0.84	-0.99	-0.74		-0.78	-0.92	-0.88	-0.87	-0.68	-0.85	-0.81	-0.76	-0.91	0.83	-0.9	-0.75	-0.77	0.75	-0.7	-0.91	-0.9	-0.71	-0.95	-0.96
Accounts Payable	0.78	0.74	0.75	0.74	-0.78		0.82	0.79	0.69	0.25	0.8	0.76	0.59	0.81	-0.79	0.79	0.64	0.53	-0.83	0.72	0.75	0.73	0.52	0.74	0.68
Net Receivables	0.95	0.9	0.89	0.86	-0.92	0.82		0.96	0.94	0.4	0.88	0.91	0.85	0.96	-0.79	0.94	0.75	0.52	-0.78	0.76	0.96	0.92	0.78	0.95	0.91
Total Liab	0.99	0.95	0.86	0.92	-0.88	0.79	0.96		0.94	0.36	0.87	0.97	0.83	0.94	-0.84	0.98	0.75	0.42	-0.8	0.9	0.97	0.97	0.8	0.94	0.91
Total Current Assets	0.96	0.96	0.85	0.74	-0.87	0.69	0.94	0.94		0.4	0.89	0.89	0.86	0.94	-0.65	0.9	0.76	0.44	-0.76	0.77	0.96	0.93	0.88	0.91	0.91
Short Term Debt	0.36	0.36	0.73	0.2	-0.68	0.25	0.4	0.36	0.4		0.44	0.23	0.26	0.45	-0.53	0.45	0.42	0.86	-0.37	0.23	0.45	0.46	0.22	0.57	0.65
Common Stock	0.89	0.9	0.84	0.69	-0.85	0.8	0.88	0.87	0.89	0.44		0.79	0.76	0.92	-0.72	0.86	0.86	0.48	-0.82	0.76	0.86	0.84	0.67	0.83	0.82
Long Term Debt	0.96	0.91	0.79	0.94	-0.81	0.76	0.91	0.97	0.89	0.23	0.79		0.84	0.86	-0.8	0.93	0.68	0.31	-0.77	0.92	0.92	0.96	0.85	0.87	0.84
Short Term Investments	0.81	0.75	0.75	0.78	-0.76	0.59	0.85	0.83	0.86	0.26	0.76	0.84		0.79	-0.6	0.74	0.64	0.25	-0.7	0.65	0.78	0.79	0.82	0.76	0.72
Property Plant Equipment	0.95	0.93	0.89	0.78	-0.91	0.81	0.96	0.94	0.94	0.45	0.92	0.86	0.79		-0.76	0.93	0.81	0.51	-0.85	0.78	0.95	0.91	0.74	0.91	0.9
Net Tangible Assets	-0.8	-0.72	-0.84	-0.88	0.83	-0.79	-0.79	-0.84	-0.65	-0.53	-0.72	-0.8	-0.6	-0.76		-0.88	-0.65	-0.61	0.71	-0.82	-0.78	-0.82	-0.45	-0.84	-0.8
Good Will	0.98	0.95	0.88	0.89	-0.9	0.79	0.94	0.98	0.9	0.45	0.86	0.93	0.74	0.93	-0.88		0.77	0.53	-0.77	0.89	0.98	0.97	0.73	0.97	0.94
Deferred Long Term Liab	0.79	0.81	0.75	0.61	-0.75	0.64	0.75	0.75	0.76	0.42	0.86	0.68	0.64	0.81	-0.65	0.77		0.45	-0.7	0.71	0.76	0.74	0.55	0.77	0.76
Short Long Term Debt	0.43	0.41	0.78	0.28	-0.77	0.53	0.52	0.42	0.44	0.86	0.48	0.31	0.25	0.51	-0.61	0.53	0.45		-0.4	0.26	0.53	0.5	0.25	0.66	0.7
Treasury Stock	-0.81	-0.79	-0.76	-0.7	0.75	-0.83	-0.78	-0.8	-0.76	-0.37	-0.82	-0.77	-0.7	-0.85	0.71	-0.77	-0.7	-0.4		-0.79	-0.75	-0.77	-0.63	-0.7	-0.68
Intangible Assets	0.9	0.89	0.7	0.87	-0.7	0.72	0.76	0.9	0.77	0.23	0.76	0.92	0.65	0.78	-0.82	0.89	0.71	0.26	-0.79		0.82	0.9	0.7	0.77	0.75
Capital Surpluse	0.98	0.96	0.89	0.83	-0.91	0.75	0.96	0.97	0.96	0.45	0.86	0.92	0.78	0.95	-0.78	0.98	0.76	0.53	-0.75	0.82		0.97	0.82	0.97	0.96
Net Invested Capital	0.98	0.96	0.89	0.86	-0.9	0.73	0.92	0.97	0.93	0.46	0.84	0.96	0.79	0.91	-0.82	0.97	0.74	0.5	-0.77	0.9	0.97		0.86	0.95	0.95
Net Working Capital	0.82	0.83	0.7	0.65	-0.71	0.52	0.78	0.8	0.88	0.22	0.67	0.85	0.82	0.74	-0.45	0.73	0.55	0.25	-0.63	0.7	0.82	0.86		0.73	0.76
Long Term Debt Total	0.93	0.9	0.93	0.83	-0.95	0.74	0.95	0.94	0.91	0.57	0.83	0.87	0.76	0.91	-0.84	0.97	0.77	0.66	-0.7	0.77	0.97	0.95	0.73		0.98
Capital Stock	0.91	0.9	0.95	0.76	-0.96	0.68	0.91	0.91	0.91	0.65	0.82	0.84	0.72	0.9	-0.8	0.94	0.76	0.7	-0.68	0.75	0.96	0.95	0.76	0.98

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Q2 Holdings

Based on the company's disclosures, Q2 Holdings has a Z Score of 0.0. This is 100.0% lower than that of the Software sector and about the same as Information Technology (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Q2 Holdings ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Q2 Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Q2 Holdings' managers, analysts, and investors.

Environmental

Governance

Social

Q2 Holdings Institutional Holders

Institutional Holdings refers to the ownership stake in Q2 Holdings that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Q2 Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Q2 Holdings' value.

		Shares
Jennison Associates Llc	2025-06-30	1.3 M
Brown Capital Management, Llc	2025-06-30	1.2 M
Ameriprise Financial Inc	2025-06-30	1.1 M
American Century Companies Inc	2025-06-30	1.1 M
Morgan Stanley - Brokerage Accounts	2025-06-30	981 K
North Reef Capital Management Lp	2025-06-30	840.5 K
Fmr Inc	2025-06-30	829.1 K
Tensile Capital Management Llc	2025-06-30	779.8 K
Federated Hermes Inc	2025-06-30	747.1 K
Vanguard Group Inc	2025-06-30	7 M
Blackrock Inc	2025-06-30	5.8 M

QTWO Fundamentals

	Return On Equity	0.0092
	Return On Asset	-3.0E-4
	Profit Margin	0.01 %
	Operating Margin	0.05 %
	Current Valuation	4.68 B
	Shares Outstanding	62.44 M
	Shares Owned By Insiders	1.10 %
	Shares Owned By Institutions	98.90 %
	Number Of Shares Shorted	2.83 M
	Price To Earning	(52.99) X
	Price To Book	8.00 X
	Price To Sales	6.29 X
	Revenue	696.46 M
	Gross Profit	390.96 M
	EBITDA	42.89 M
	Net Income	(38.54 M)
	Cash And Equivalents	399.35 M
	Cash Per Share	6.97 X
	Total Debt	541.12 M
	Debt To Equity	1.67 %
	Current Ratio	3.10 X
	Book Value Per Share	9.36 X
	Cash Flow From Operations	135.75 M
	Short Ratio	2.96 X
	Earnings Per Share	0.06 X
	Price To Earnings To Growth	8.94 X
	Target Price	103.71
	Number Of Employees	2.48 K
	Beta	1.49
	Market Capitalization	4.67 B
	Total Asset	1.29 B
	Retained Earnings	(664.23 M)
	Working Capital	159.76 M
	Current Asset	133.22 M
	Current Liabilities	45.69 M
	Net Asset	1.29 B

About Q2 Holdings Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Q2 Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Q2 Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Q2 Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Pair Trading with Q2 Holdings

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Q2 Holdings position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Q2 Holdings will appreciate offsetting losses from the drop in the long position's value.

Moving together with QTWO Stock

0.63	AZ	A2Z Smart Technologies	Pair Corr
0.81	BL	Blackline	Pair Corr
0.85	DT	Dynatrace Holdings LLC	Pair Corr

Moving against QTWO Stock

0.74	WK	Workiva	Pair Corr
0.62	U	Unity Software	Pair Corr
0.52	DJCO	Daily Journal Corp Tech Boost	Pair Corr
0.46	PD	Pagerduty	Pair Corr
0.38	AMODW	Alpha Modus Holdings, Symbol Change	Pair Corr

The ability to find closely correlated positions to Q2 Holdings could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Q2 Holdings when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Q2 Holdings - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Q2 Holdings to buy it.

The correlation of Q2 Holdings is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Q2 Holdings moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Q2 Holdings moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.

Correlation analysis and pair trading evaluation for Q2 Holdings can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.

Pair Correlation Correlation Matching

When determining whether Q2 Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Q2 Holdings' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Q2 Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Q2 Holdings Stock:

How To Invest In QTWO

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Is QTWO Stock a good investment?

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What is Q2 Holdings' Net Worth?

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Largest Application Software Companies

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Check out Q2 Holdings Piotroski F Score and Q2 Holdings Valuation analysis.

To learn how to invest in QTWO Stock, please use our How to Invest in Q2 Holdings guide.

You can also try the Crypto Correlations module to use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins.

Is Application Software space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Q2 Holdings. If investors know QTWO will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Q2 Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Earnings Share

0.06

Revenue Per Share

12.16

Quarterly Revenue Growth

0.129

Return On Assets

(0.0003)

Return On Equity

0.0092

The market value of Q2 Holdings is measured differently than its book value, which is the value of QTWO that is recorded on the company's balance sheet. Investors also form their own opinion of Q2 Holdings' value that differs from its market value or its book value, called intrinsic value, which is Q2 Holdings' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Q2 Holdings' market value can be influenced by many factors that don't directly affect Q2 Holdings' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Q2 Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Q2 Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Q2 Holdings' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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Q2 Holdings Stock Z Score

Q2 Holdings Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

QTWO Z Score Driver Correlations

Q2 Holdings ESG Sustainability

Q2 Holdings Institutional Holders

QTWO Fundamentals

About Q2 Holdings Fundamental Analysis

Pair Trading with Q2 Holdings

Moving together with QTWO Stock

Moving against QTWO Stock

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