Q2 Holdings, Inc. (QTWO) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
QTWO financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Activity assessment in progress
The supplied classification (Software - Application) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The company offers Digital Banking Platform, an end-to-end digital banking platform that supports its financial institution customers in their delivery of retail, SMB, and commercial functionalities across digital channels; and risk and fraud solutions that are designed to support financial institutions' efforts to protect end users, comply with regulatory requirements and manage fraud risk efficiently. It also provides Q2 Innovation Studio, an application program interface and software development kit based open technology platform that allows financial institution customers, FinTechs, and other partners to deploy customized experiences and financial services to end users; and Helix, a cloud-native, real-time core processing platform that combines the services and functionality for companies and financial institutions. In addition, the company offers digital lending and relationship pricing solutions that support financial institutions, FinTechs and Alt-FIs in managing lending workflows, pricing strategies and customer relationships across commercial and consumer use cases, as well as offers loans, deposits and fee-based products. 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 2004 and is headquartered in Austin, Texas.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | 27.2% / 30% | 33.9% / 30% | 38.6% / 30% | 2.55% / 5% | RATIOS FAIL* |
| FTSE | 27.2% / 33% | 33.9% / 33% | 38.6% / 50% | 2.55% / 5% | RATIOS FAIL* |
Financial Highlights
Profitability
| Gross Margin | 57.0% | |
| Operating Margin | 13.4% | |
| Net Margin | 10.9% | |
| Return on Equity (ROE) | 15.0% | |
| Return on Assets (ROA) | 4.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $201M |
| Free Cash Flow | $173M |
| Total Debt | $347M |
| Debt-to-Equity | 6.4 |
| Current Ratio | 0.9 |
| Total Assets | $1.3B |
Price & Trading
| Last Close | $65.68 |
| 50-Day MA | $56.84 |
| 200-Day MA | $57.07 |
| Avg Volume | 826K |
| Beta | 1.3 |
|
52-Week Range
$40.79
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-30 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Q2 Holdings, Inc. (QTWO)
Q2 Holdings, Inc. provides digital solutions to financial institutions, financial technology companies, FinTechs, and alternative finance companies (Alt-FIs) in the United States. The company offers Digital Banking Platform, an end-to-end digital banking platform that supports its financial institution customers in their delivery of retail, SMB, and commercial functionalities across digital channels; and risk and fraud solutions that are designed to support financial institutions' efforts to protect end users, comply with regulatory requirements and manage fraud risk efficiently. It also provides Q2 Innovation Studio, an application program interface and software development kit based open technology platform that allows financial institution customers, FinTechs, and other partners to deploy customized experiences and financial services to end users; and Helix, a cloud-native, real-time core processing platform that combines the services and functionality for companies and financial institutions. In addition, the company offers digital lending and relationship pricing solutions that support financial institutions, FinTechs and Alt-FIs in managing lending workflows, pricing strategies and customer relationships across commercial and consumer use cases, as well as offers loans, deposits and fee-based products. 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 2004 and is headquartered in Austin, Texas.
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Frequently Asked Questions
Is Q2 Holdings, Inc. (QTWO) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Q2 Holdings, Inc.'s debt ratio?
Q2 Holdings, Inc.'s debt ratio is 27.2% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Q2 Holdings, Inc.'s key financial metrics?
Q2 Holdings, Inc. has a market capitalization of USD 4061M in its listing currency, trailing P/E ratio of 46.2, and revenue of $795M. The company maintains a gross margin of 57.0% and a net margin of 10.9%. Return on equity stands at 15.0%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.