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Q2 (QTWO) investor relations material
Q2 Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Q2 2025 revenue reached $195.1 million, up 13% year-over-year, with adjusted EBITDA of $45.8 million, both above guidance.
Net income was $11.8 million, reversing a net loss of $13.1 million in Q2 2024.
Six Tier 1 contracts were signed, including expansions with top U.S. banks and new digital banking and relationship pricing contracts.
Innovation Studio adoption exceeded 85% of digital banking customers, driving operational efficiency and product cross-sell.
Strong customer engagement at the annual Connect conference, with focus on digital transformation, fraud, AI, and commercial innovation.
Financial highlights
Total revenue for Q2 was $195.1 million, up 13% year-over-year and 3% sequentially.
Adjusted EBITDA was $45.8 million, up 53% year-over-year and 12% sequentially; margin was 23.5%.
Subscription-based revenue grew 16% year-over-year, now 81% of total revenue.
Gross margin improved to 57.5% non-GAAP and 53.6% GAAP, both up year-over-year.
Cash, cash equivalents, and investments ended at $532 million.
Free cash flow for the first half of 2025 was $79.5 million, up from $34.8 million in the prior year.
Outlook and guidance
Q3 2025 revenue guidance: $196–$200 million; adjusted EBITDA: $44–$47 million.
Full-year 2025 revenue guidance raised to $783–$788 million, 12–13% year-over-year growth.
Full-year adjusted EBITDA guidance raised to $177–$181 million (23% margin).
Full-year subscription revenue growth outlook increased to at least 16%.
Long-term targets include average annual subscription revenue growth of 15% and free cash flow conversion above 90% by 2026.
Explain the drivers behind risk solution demand.
How does Q2's platform differentiate fraud prevention?
Detail the impact of Innovation Studio on customers.
Cloud migration's impact on 2026 margins?
Innovation Studio monetization strategy evolution?
Outlook for M&A activity in H2 2025?
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Q3 20255 Nov, 2025
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Frequently asked questions
Q2 Holdings Inc provides cloud-based digital banking solutions for financial institutions. The company offers platforms for online and mobile banking, loan origination, fraud detection, and data analytics to regional and community banks and credit unions. The company is headquartered in Austin, Texas, and its shares are listed on the NYSE.
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