QTWO Q2 Holdings, Inc.
FY2025 10-K
Q2 Holdings, Inc. (QTWO) filed its fiscal year 2025 10-K annual report with the SEC on Feb 11, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Cloud-based, unified SaaS platform providing digital banking, lending, risk/fraud, and embedded finance solutions to financial institutions and FinTechs
- • Emphasized new segments: Expanded portfolio to include Q2 Innovation Studio for API/SDK customization and Helix, a cloud-native core/BaaS platform for FinTechs and banks
Management Discussion & Analysis
- • Revenue $794.8M, up 14.1% YoY (+$98.3M) driven by $95.0M increase in subscription revenue
- • Operating margins improved; cost of revenues 45.9% of sales vs 49.1% in 2024, sales & marketing 13.3% vs 15.2%
Risk Factors
- • Cybersecurity risks from third-party providers critical to operations, overseen quarterly by RACC with updates from CISO and CRO
- • Dependency on Chief Risk Officer with 10+ years risk management and Chief Information Security Officer with 20+ years experience for risk oversight
Financial SummaryXBRL
Revenue
$795M
Net Income
$52M
Gross Margin
54.1%
Operating Margin
5.0%
Net Margin
6.5%
ROE
7.9%
Total Assets
$1.3B
EPS (Diluted)
$0.80
Operating Cash Flow
$201M
Source: XBRL data from Q2 Holdings, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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