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Q2 Holdings, Inc. (QTWO)

NYSE - NYSE Delayed Price. Currency in USD
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89.56+1.90 (+2.17%)
At close: 4:00PM EDT

89.56 0.00 (0.00%)
After hours: 4:44PM EDT

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  • S
    Stocktargetadvisor
    $QTWO
    Target Raised by KeyBanc Overweight USD 90 » USD 115
    Target Raised by Wells Fargo Overweight USD 105 » USD 115
  • M
    Mark
    So QTWO floats a convertible which dilutes the stock. The CEO sells 120,000 shares as part of the offering. They continue to lose money quarter after quarter. Their May 8, 2019 conference call doesn't address their lousy margins. They keep issuing stock to pay a significant portion of salaries (stock based compensation). So we all can see their revenue grows....but do we see that losses are growing even faster?

    I'm sure QTWO has great products for the banks they serve, but when will QTWO make money on their products? And there's nothing wrong with a revenue growing company that can't seem to make money. But why bid the stock up?

    Or is it all just a matter of stock price momentum? I'm confused....and short....and getting even more short soon.
  • y
    yoyo
    EXPENSIVE VALUATION. buy QFIN instead. have 4x revenue of Q2, and market cap of 1.2B .
  • D
    David
    Strong presentations and positive outlook at tomorrow's QTWO NYC Analyst Day
  • D
    David
    Cross selling of new well received lending platform should have a nice positive impact second half of this year. Year over year growth may surprise the analysts. Maybe stock gets above $85 going into 2020?
  • s
    stocktargetadvisor
    $QTWO
    Reiterated by Piper Sandler Overweight USD 100 » USD 105
  • c
    c
    On its way back to the mid-$50's?
  • A
    Amir
    The numbers don't add up. I see a lot of red flags so be careful investing in this stock. Few things to consider:
    1. Based on their financial statement and investor presentations the revenue per registered user is $20.80. I work in this industry and I can tell you small banks do not pay or can afford this kind of cost per user just for a graphical interface on top of their core system.

    2. Their average billing per month per client is $49,000. Small banks do not pay this kind of money per month for GUI interface. Keep in mind the average users per client are around $25,000 so these are small banks.

    3. There is nothing sticky about their product. What happens when the core banking provider launches the next version which is GUI based? The core banking system provider can provide that update for free to minimal cost. For them, it is just the new version of their software.

    4. I see tremendous headwinds if they went international. Not sure where the growth is going to come from.

    Watch out. $2 B+ valuation for a company with no profits and minimal growth opportunity is very risky, It is not like they have something unique and need time to build the business. In fact, they have very little time before the GUI they offer becomes part of the standard offering.

    I am shorting the stock big time.

    Good luck.
  • Y
    Yahoo Finance Insights
    QTWO is up 4.91% to 52.35
  • Y
    Yahoo Finance Insights
    QTWO is up 4.91% to 62.00
  • D
    David
    WOW --someone sold under $59 at the open today, Maybe a desperate hedge fund under redemptions?
  • Y
    Yahoo Finance Insights
    QTWO is down -4.91% to 41.60
  • Y
    Yahoo Finance Insights
    QTWO is down -5.94% to 42.00
  • Y
    Yahoo Finance Insights
    QTWO is down -4.92% to 59.85
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 59.45
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 60.40
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 65.00
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 50.97
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 55.94
  • Y
    Yahoo Finance Insights
    QTWO reached a new All Time High at 57.75