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Q2 Holdings, Inc. (QTWO)

NYSE - NYSE Delayed price. Currency in USD
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79.92-0.49 (-0.61%)
At close: 4:00PM EDT
79.92 -0.03 (-0.04%)
After hours: 04:01PM EDT
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  • D
    Duncan
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  • d
    danchik
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  • E
    Edwin
    Starting at $80.35. Looking for a reversal. Fair value ~$90/share.
  • R
    RH
    Starting to look at investment merits of this stock. Why has it collapsed almost 50%?
    Are investors concerned about fintech and bitcoin stocks taking business away?
    Appreciate any thoughts.
  • 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.
  • R
    RH
    Stifel analyst Tom Roderick reiterated a Buy rating and $150.00 price target on Q2 Holdings (NYSE: QTWO) after the company announced the acquisition of ClickSWITCH to improve the digital account switching process. ClickSWITCH provides a digital account switching solution for customers to simplify the process of new-user onboarding by retaining the new account holder's direct deposits and automatic payments from previous financial institutions. Many times an end-user will make a decision based on how much extra work it will cause, which can be a deterrent to switching from bank to bank.

    The analyst stated "We believe ClickSWITCH, combined with CardSwap, will keep the decision-making process focused on the benefits of the bank and not the potential work for the end-user. As a reminder,
    CardSwap provides a single input to apply a new credit or debit card across subscription and digital point-of-sale services such as Netflix, Amazon, Hulu, and more. ClickSWITCH focuses on the funds transferring from a bank's perspective, whether it be direct deposits into the account or recurring payments such as an auto loan or mortgage payment."

    5 Years From Now, You'll Probably Wish
  • m
    mike
    Revenue increasing but profit decreasing every qtr. whats up with that
  • m
    mike s
    not much chatter on this one... bought in at $111. Think I might buy in for some more...
  • y
    yoyo
    EXPENSIVE VALUATION. buy QFIN instead. have 4x revenue of Q2, and market cap of 1.2B .
  • R
    RH
    Strong presentations and positive outlook at tomorrow's QTWO NYC Analyst Day
  • R
    RH
    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?
  • 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.
  • r
    rtl
    uptrend startef. back to 150 where it belongs
  • Y
    Yahoo Finance Insights
    QTWO is up 4.91% to 52.35
  • Y
    Yahoo Finance Insights
    QTWO is up 4.91% to 62.00
  • R
    RH
    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 -4.92% to 59.85
  • Y
    Yahoo Finance Insights
    QTWO is down -5.94% to 42.00