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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
Revenue for Q2 2025 reached $195.1M, up 13% year-over-year, driven by strong subscription growth and six Tier 1 contract wins, including major expansions with top U.S. banks.
Net income was $11.8M, reversing a net loss of $13.1M in Q2 2024, with adjusted EBITDA of $45.8M, up 53% year-over-year.
Free cash flow for Q2 was $42M, with cash and investments totaling $532M at quarter end.
Innovation Studio adoption surpassed 85% of digital banking customers, driving efficiency and growth.
Hosted annual customer conference highlighting digital transformation, AI-driven fraud prevention, and new ERP integration product.
Financial highlights
Total revenue for Q2 was $195.1M, up 13% year-over-year; subscription revenue grew 16% and now comprises 81% of total revenue.
Adjusted EBITDA was $45.8M, up 53% year-over-year; adjusted EBITDA margin reached 23.5%.
Net income was $11.8M, compared to a net loss of $13.1M in Q2 2024.
Free cash flow for the first half of 2025 was $79.5M, up from $34.8M in the prior year period.
Backlog increased to $2.4B, up 21% year-over-year.
Outlook and guidance
Full-year 2025 revenue guidance raised to $783M–$788M, representing 12–13% growth.
Full-year adjusted EBITDA guidance raised to $177M–$181M, or 23% of revenue.
Subscription revenue growth outlook increased to at least 16%; free cash flow conversion targeted above 90% by 2026.
Q3 2025 revenue guidance is $196M–$200M, with adjusted EBITDA of $44M–$47M.
Majority of Tier 1 enterprise activity expected in the second half of 2025.
Explain the drivers behind risk solution demand.
How does Q2's platform differentiate fraud prevention?
Detail the impact of Innovation Studio on customers.
Quantify risk/fraud product penetration in existing base?
Cloud migration: impact on gross margin outlook?
Discuss drivers behind higher Q2 churn.
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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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