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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Q2 (QTWO) investor relations material
Q2 Citi's 14th Annual FinTech Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Citi's 14th Annual FinTech Conference summary18 Nov, 2025
Market positioning and competitive differentiation
Operates as the largest standalone digital banking provider, serving 450 clients and 40% of the top 100 banks and credit unions.
Single unified platform enables seamless scaling from retail to corporate banking, enhancing customer retention and operational efficiency.
Platform leverages behavioral, transactional, and demographic data for AI and machine learning applications.
Targets banks and credit unions above $750 million in assets, with significant cross-sell opportunities among existing clients.
Innovation Studio marketplace integrates over 200 fintechs, supporting bundled offerings and relationship pricing tools.
Revenue composition and growth drivers
Subscription revenue comprises 82% of total, with digital banking representing just over 80% of revenue.
Precision Lender, Helix, and Symphonics businesses contribute mid to high teens percentage of revenue.
Growth is increasingly driven by cross-selling to existing customers, with expansion deals now outpacing new logo wins in some quarters.
Large existing clients are expanding into new product lines, creating significant economic impact.
Macro environment and industry trends
Post-pandemic digital adoption exposed legacy tech weaknesses, driving demand for modern platforms.
Rising interest rates and deposit flight have made deposit retention and commercial account functionality critical.
Bank consolidation has minimal negative impact; retention rate as the surviving platform in M&A events is over 90%.
Demand remains strong regardless of rate direction, with commercial functionality and platform efficiency as key tailwinds.
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Q4 202512 Feb, 2026
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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@theshortbearx.com
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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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