| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 108.87M | 150.22M | 193.98M | 241.1M | 315.48M | 402.75M | 498.72M | 565.67M | 624.62M | 696.46M |
| Revenue Growth % | 0.38% | 0.38% | 0.29% | 0.24% | 0.31% | 0.28% | 0.24% | 0.13% | 0.1% | 0.12% |
| Cost of Goods Sold | 59.13M | 77.43M | 99.48M | 121.86M | 162.49M | 228.15M | 273.69M | 309.33M | 321.97M | 341.98M |
| COGS % of Revenue | 0.54% | 0.52% | 0.51% | 0.51% | 0.52% | 0.57% | 0.55% | 0.55% | 0.52% | 0.49% |
| Gross Profit | 49.74M | 72.8M | 94.49M | 119.25M | 153M | 174.6M | 225.03M | 256.35M | 302.65M | 354.48M |
| Gross Margin % | 0.46% | 0.48% | 0.49% | 0.49% | 0.48% | 0.43% | 0.45% | 0.45% | 0.48% | 0.51% |
| Gross Profit Growth % | 0.5% | 0.46% | 0.3% | 0.26% | 0.28% | 0.14% | 0.29% | 0.14% | 0.18% | 0.17% |
| Operating Expenses | 72.09M | 102.21M | 120.17M | 146.95M | 203.72M | 274.43M | 303.03M | 361.11M | 388.71M | 396.74M |
| OpEx % of Revenue | 0.66% | 0.68% | 0.62% | 0.61% | 0.65% | 0.68% | 0.61% | 0.64% | 0.62% | 0.57% |
| Selling, General & Admin | 49.98M | 68.28M | 78.35M | 93.77M | 121.11M | 145.44M | 163.48M | 198.38M | 219.71M | 228.89M |
| SG&A % of Revenue | 0.46% | 0.45% | 0.4% | 0.39% | 0.38% | 0.36% | 0.33% | 0.35% | 0.35% | 0.33% |
| Research & Development | 21.53M | 32.46M | 40.34M | 51.33M | 76.27M | 97.38M | 116.95M | 130.1M | 137.33M | 143.24M |
| R&D % of Revenue | 0.2% | 0.22% | 0.21% | 0.21% | 0.24% | 0.24% | 0.23% | 0.23% | 0.22% | 0.21% |
| Other Operating Expenses | -3K | -209K | 429K | -7.35M | 6.34M | 31.61M | 22.6M | 32.63M | 31.67M | 24.61M |
| Operating Income | -24.84M | -35.72M | -26.91M | -31.85M | -50.72M | -99.83M | -78M | -104.76M | -86.06M | -42.26M |
| Operating Margin % | -0.23% | -0.24% | -0.14% | -0.13% | -0.16% | -0.25% | -0.16% | -0.19% | -0.14% | -0.06% |
| Operating Income Growth % | -0.3% | -0.44% | 0.25% | -0.18% | -0.59% | -0.97% | 0.22% | -0.34% | 0.18% | 0.51% |
| EBITDA | -17.99M | -23.52M | -12.63M | -11.11M | -14.56M | -47.99M | -23.16M | -43.1M | -950K | 26.55M |
| EBITDA Margin % | -0.17% | -0.16% | -0.07% | -0.05% | -0.05% | -0.12% | -0.05% | -0.08% | -0% | 0.04% |
| EBITDA Growth % | -0.2% | -0.31% | 0.46% | 0.12% | -0.31% | -2.3% | 0.52% | -0.86% | 0.98% | 28.94% |
| D&A (Non-Cash Add-back) | 6.85M | 12.2M | 14.28M | 20.74M | 36.16M | 51.84M | 54.83M | 61.66M | 85.11M | 68.81M |
| EBIT | -24.56M | -35.36M | -26.35M | -29.04M | -63.07M | -107.56M | -78.03M | -99.4M | -56.09M | -25.92M |
| Net Interest Income | -3K | -209K | 429K | -7.35M | -16.62M | -27.44M | -31.59M | -1.31M | 4.37M | 11.4M |
| Interest Income | 280K | 358K | 553K | 2.81M | 3.67M | 1.21M | 1.48M | 5.36M | 10.1M | 16.34M |
| Interest Expense | 283K | 567K | 124K | 10.16M | 20.29M | 28.65M | 33.07M | 6.68M | 5.73M | 4.94M |
| Other Income/Expense | -3K | -209K | 429K | -7.35M | -32.65M | -36.37M | -33.11M | -1.31M | 24.23M | 11.4M |
| Pretax Income | -24.84M | -35.93M | -26.48M | -39.2M | -83.36M | -136.2M | -111.1M | -106.08M | -61.82M | -30.86M |
| Pretax Margin % | -0.23% | -0.24% | -0.14% | -0.16% | -0.26% | -0.34% | -0.22% | -0.19% | -0.1% | -0.04% |
| Income Tax | 220K | 427K | -314K | -3.8M | -12.49M | 1.42M | 1.64M | 2.91M | 3.56M | 7.68M |
| Effective Tax Rate % | 1.01% | 1.01% | 0.99% | 0.9% | 0.85% | 1.01% | 1.01% | 1.03% | 1.06% | 1.25% |
| Net Income | -25.06M | -36.35M | -26.16M | -35.4M | -70.88M | -137.62M | -112.75M | -108.98M | -65.38M | -38.54M |
| Net Margin % | -0.23% | -0.24% | -0.13% | -0.15% | -0.22% | -0.34% | -0.23% | -0.19% | -0.1% | -0.06% |
| Net Income Growth % | -0.28% | -0.45% | 0.28% | -0.35% | -1% | -0.94% | 0.18% | 0.03% | 0.4% | 0.41% |
| Net Income (Continuing) | -25.06M | -36.35M | -26.16M | -35.4M | -70.88M | -137.62M | -112.75M | -108.98M | -65.38M | -38.54M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.67 | -0.92 | -0.63 | -0.83 | -1.53 | -2.65 | -2.00 | -1.90 | -1.12 | -0.64 |
| EPS Growth % | 0% | -0.37% | 0.32% | -0.32% | -0.84% | -0.73% | 0.25% | 0.05% | 0.41% | 0.43% |
| EPS (Basic) | -0.67 | -0.92 | -0.63 | -0.83 | -1.53 | -2.65 | -2.00 | -1.90 | -1.12 | -0.64 |
| Diluted Shares Outstanding | 37.27M | 39.65M | 41.22M | 42.8M | 46.2M | 52.02M | 56.39M | 57.3M | 58.35M | 60.1M |
| Basic Shares Outstanding | 37.27M | 39.65M | 41.22M | 42.8M | 46.2M | 52.02M | 56.39M | 57.3M | 58.35M | 60.1M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 133.22M | 125.67M | 131.09M | 218.31M | 186.34M | 616.22M | 522.45M | 531.08M | 427.96M | 558.66M |
| Cash & Short-Term Investments | 110.62M | 97.12M | 99.65M | 177.32M | 132.42M | 539.05M | 427.73M | 433.35M | 324.01M | 446.63M |
| Cash Only | 67.05M | 54.87M | 57.96M | 108.34M | 100.09M | 407.7M | 322.85M | 199.6M | 229.66M | 358.56M |
| Short-Term Investments | 43.57M | 42.25M | 41.69M | 68.98M | 32.33M | 131.35M | 104.88M | 233.75M | 94.35M | 88.07M |
| Accounts Receivable | 9.01M | 12.24M | 13.2M | 20.27M | 23.31M | 37.52M | 48.82M | 55.64M | 52.09M | 49.97M |
| Days Sales Outstanding | 30.2 | 29.74 | 24.84 | 30.68 | 26.97 | 34 | 35.73 | 35.9 | 30.44 | 26.19 |
| Inventory | 10.53M | 13.09M | 15.12M | 16.74M | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 65.01 | 61.72 | 55.48 | 50.15 | - | - | - | - | - | - |
| Other Current Assets | 10.53M | 13.09M | 15.12M | 16.74M | 24.25M | 30.78M | 35.37M | 42.08M | 51.86M | 62.06M |
| Total Non-Current Assets | 71.25M | 75.31M | 81.73M | 245.41M | 823.1M | 800.49M | 862.6M | 818.65M | 773.46M | 736.13M |
| Property, Plant & Equipment | 24.44M | 27.48M | 34.54M | 34.99M | 74.64M | 84.27M | 118.89M | 96.53M | 76.63M | 61.93M |
| Fixed Asset Turnover | 4.45x | 5.47x | 5.62x | 6.89x | 4.23x | 4.78x | 4.19x | 5.86x | 8.15x | 11.25x |
| Goodwill | 12.88M | 12.88M | 12.88M | 107.91M | 462.02M | 462.27M | 512.87M | 512.87M | 512.87M | 512.87M |
| Intangible Assets | 17.19M | 15.21M | 12.03M | 63.3M | 223.86M | 184.86M | 162.46M | 145.68M | 121.57M | 94.63M |
| Long-Term Investments | 0 | 0 | 0 | 10.27M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 16.74M | 19.75M | 22.27M | 39.21M | 62.58M | 69.09M | 68.38M | 63.57M | 62.39M | 66.7M |
| Total Assets | 204.47M | 200.98M | 212.81M | 463.72M | 1.01B | 1.42B | 1.39B | 1.35B | 1.2B | 1.29B |
| Asset Turnover | 0.53x | 0.75x | 0.91x | 0.52x | 0.31x | 0.28x | 0.36x | 0.42x | 0.52x | 0.54x |
| Asset Growth % | 0.49% | -0.02% | 0.06% | 1.18% | 1.18% | 0.4% | -0.02% | -0.03% | -0.11% | 0.08% |
| Total Current Liabilities | 45.69M | 59.21M | 68.07M | 73.68M | 132.97M | 145.83M | 168.36M | 192.04M | 191.56M | 398.9M |
| Accounts Payable | 3.45M | 4.23M | 7.62M | 9.17M | 10.97M | 7.89M | 10.6M | 10.05M | 19.35M | 9.35M |
| Days Payables Outstanding | 21.3 | 19.94 | 27.96 | 27.46 | 24.64 | 12.62 | 14.13 | 11.86 | 21.94 | 9.98 |
| Short-Term Debt | 161K | 0 | 0 | 0 | 0 | 0 | 0 | 10.9M | 0 | 190.33M |
| Deferred Revenue (Current) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 9.83M | 7.3M | 9.14M | 7.95M | 38.67M | 26.72M | 31.73M | 23.46M | 26.58M | 32.95M |
| Current Ratio | 2.92x | 2.12x | 1.93x | 2.96x | 1.40x | 4.23x | 3.10x | 2.77x | 2.23x | 1.40x |
| Quick Ratio | 2.69x | 1.90x | 1.70x | 2.74x | 1.40x | 4.23x | 3.10x | 2.77x | 2.23x | 1.40x |
| Cash Conversion Cycle | 73.92 | 71.51 | 52.37 | 53.37 | - | - | - | - | - | - |
| Total Non-Current Liabilities | 40.8M | 41.53M | 38.12M | 231.14M | 497.06M | 627.51M | 646.39M | 738.66M | 561.38M | 378.1M |
| Long-Term Debt | 0 | 0 | 0 | 182.72M | 424.78M | 557.47M | 551.6M | 657.79M | 490.46M | 302.12M |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 36.08M | 36.74M | 61.37M | 52.99M | 45.59M | 38.35M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 8.15M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 11.61M | 9.83M | 9.83M | 25.35M | 3.24M | 4.1M | 4.25M | 6.19M | 7.98M | 10.36M |
| Total Liabilities | 86.49M | 100.75M | 106.19M | 304.82M | 630.02M | 773.34M | 814.75M | 930.7M | 752.95M | 777M |
| Total Debt | 161K | 0 | 0 | 182.72M | 470M | 601.05M | 621.97M | 733.34M | 548.92M | 542.99M |
| Net Debt | -66.89M | -54.87M | -57.96M | 74.38M | 369.91M | 193.35M | 299.13M | 533.74M | 319.26M | 184.43M |
| Debt / Equity | 0.00x | - | - | 1.15x | 1.24x | 0.93x | 1.09x | 1.75x | 1.22x | 1.05x |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | 20.45x |
| Net Debt / EBITDA | - | - | - | - | - | - | - | - | - | 6.95x |
| Interest Coverage | -87.77x | -62.99x | -216.99x | -3.13x | -2.50x | -3.49x | -2.36x | -15.69x | -15.01x | -8.56x |
| Total Equity | 117.97M | 100.23M | 106.62M | 158.9M | 379.41M | 643.36M | 570.3M | 419.02M | 448.48M | 517.8M |
| Equity Growth % | 0.49% | -0.15% | 0.06% | 0.49% | 1.39% | 0.7% | -0.11% | -0.27% | 0.07% | 0.15% |
| Book Value per Share | 3.16 | 2.53 | 2.59 | 3.71 | 8.21 | 12.37 | 10.11 | 7.31 | 7.69 | 8.61 |
| Total Shareholders' Equity | 117.97M | 100.23M | 106.62M | 158.9M | 379.41M | 643.36M | 570.3M | 419.02M | 448.48M | 517.8M |
| Common Stock | 4K | 4K | 4K | 4K | 5K | 6K | 6K | 6K | 6K | 6K |
| Retained Earnings | -89.43M | -125.78M | -152.11M | -172.42M | -243.3M | -381.19M | -493.93M | -560.31M | -625.69M | -664.23M |
| Treasury Stock | -41K | -417K | -855K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -101K | -54K | -139K | -37K | 14K | -32K | -135K | -2.97M | -1.11M | -1.87M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 5.4M | 3.39M | 9.47M | 4.59M | 567K | -2.89M | 31.09M | 36.56M | 70.29M | 135.75M |
| Operating CF Margin % | 0.05% | 0.02% | 0.05% | 0.02% | 0% | -0.01% | 0.06% | 0.06% | 0.11% | 0.19% |
| Operating CF Growth % | 2.02% | -0.37% | 1.79% | -0.51% | -0.88% | -6.1% | 11.76% | 0.18% | 0.92% | 0.93% |
| Net Income | -25.06M | -36.35M | -26.16M | -35.4M | -70.88M | -137.62M | -112.75M | -108.98M | -65.38M | -38.54M |
| Depreciation & Amortization | 6.85M | 12.2M | 14.95M | 16.8M | 28.46M | 51.84M | 54.83M | 61.66M | 71.71M | 68.81M |
| Stock-Based Compensation | 7.36M | 12.64M | 20.94M | 29.55M | 40.51M | 50.68M | 55.9M | 65.16M | 79.19M | 89.22M |
| Deferred Taxes | 85K | 281K | -350K | -2.05M | -12.77M | 946K | 180K | 1.61M | 636K | 2.11M |
| Other Non-Cash Items | 5.46M | 7.55M | 7.83M | 17.47M | 31.37M | 58.15M | 57.4M | 37.61M | 9.83M | 29M |
| Working Capital Changes | 10.71M | 7.08M | -7.73M | -21.78M | -16.11M | -26.89M | -24.48M | -20.49M | -25.69M | -14.85M |
| Change in Receivables | -3.32M | -3.25M | -961K | -4.68M | -4.82M | -18.28M | -14.24M | -815K | 7.78M | 4.94M |
| Change in Inventory | 3.9M | 10.45M | -4.37M | -4.38M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.34M | 426K | 3.37M | -263K | 1.13M | -2.3M | 1.76M | -548K | 9.35M | -9.79M |
| Cash from Investing | -58.42M | -16.51M | -17.94M | -171.29M | -483.25M | -124.16M | -65.13M | -165.56M | 113.27M | -21.08M |
| Capital Expenditures | -7.44M | -17.36M | -13.29M | -13.33M | -13.86M | -23.71M | -19.75M | -11.14M | -5.67M | -6.69M |
| CapEx % of Revenue | 0.07% | 0.12% | 0.07% | 0.06% | 0.04% | 0.06% | 0.04% | 0.02% | 0.01% | 0.01% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -21.39M | -2.07M | -1M | -27.31M | -465K | -952K | -5.87M | -18.91M | -24.97M | -22.34M |
| Cash from Financing | 52.09M | 944K | 11.56M | 216.58M | 476.09M | 434.68M | -51.16M | 5.88M | -152.01M | 13.32M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - | - | - | - |
| Other Financing | 4.17M | 6M | 11.56M | -6.59M | -221.5M | -320.56M | 12.53M | 5.88M | 139K | -942K |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | -2.04M | -13.97M | -3.81M | -8.74M | -13.76M | -27.56M | 5.47M | 6.5M | 39.65M | 129.06M |
| FCF Margin % | -0.02% | -0.09% | -0.02% | -0.04% | -0.04% | -0.07% | 0.01% | 0.01% | 0.06% | 0.19% |
| FCF Growth % | 0.8% | -5.84% | 0.73% | -1.29% | -0.57% | -1% | 1.2% | 0.19% | 5.1% | 2.26% |
| FCF per Share | -0.05 | -0.35 | -0.09 | -0.20 | -0.30 | -0.53 | 0.10 | 0.11 | 0.68 | 2.15 |
| FCF Conversion (FCF/Net Income) | -0.22x | -0.09x | -0.36x | -0.13x | -0.01x | 0.02x | -0.28x | -0.34x | -1.08x | -3.52x |
| Interest Paid | 212K | 217K | 68K | 810K | 2.85M | 4.1M | 3.1M | 2.89M | 0 | 2.68M |
| Taxes Paid | 60K | 120K | 128K | 250K | 322K | 566K | 1.03M | 875K | 2.62M | 5.88M |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -25.46% | -33.32% | -25.3% | -26.66% | -26.33% | -26.91% | -18.58% | -22.03% | -15.07% | -7.98% |
| Return on Invested Capital (ROIC) | -59.5% | -55.55% | -42.93% | -16.94% | -7.74% | -9.44% | -6.86% | -8.62% | -7.5% | -4.31% |
| Gross Margin | 45.69% | 48.46% | 48.71% | 49.46% | 48.5% | 43.35% | 45.12% | 45.32% | 48.45% | 50.9% |
| Net Margin | -23.02% | -24.2% | -13.49% | -14.68% | -22.47% | -34.17% | -22.61% | -19.27% | -10.47% | -5.53% |
| Debt / Equity | 0.00x | - | - | 1.15x | 1.24x | 0.93x | 1.09x | 1.75x | 1.22x | 1.05x |
| Interest Coverage | -87.77x | -62.99x | -216.99x | -3.13x | -2.50x | -3.49x | -2.36x | -15.69x | -15.01x | -8.56x |
| FCF Conversion | -0.22x | -0.09x | -0.36x | -0.13x | -0.01x | 0.02x | -0.28x | -0.34x | -1.08x | -3.52x |
| Revenue Growth | 37.58% | 37.99% | 29.13% | 24.29% | 30.85% | 27.66% | 23.83% | 13.43% | 10.42% | 11.5% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Subscriptions | 168.23M | 221.98M | 286.96M | 361.09M | 412.04M | 475.94M | 553.61M |
| Subscriptions Growth | - | 31.96% | 29.27% | 25.83% | 14.11% | 15.51% | 16.32% |
| Product and Service, Other | 33.64M | 45.1M | 60.21M | 68.8M | 86.26M | 83.26M | 74.36M |
| Product and Service, Other Growth | - | 34.07% | 33.49% | 14.26% | 25.38% | -3.47% | -10.69% |
| Transactional Services | 39.23M | 48.4M | 55.58M | 68.83M | 67.37M | 65.42M | 68.49M |
| Transactional Services Growth | - | 23.36% | 14.84% | 23.84% | -2.12% | -2.90% | 4.70% |
Q2 Holdings, Inc. (QTWO) reported $769.6M in revenue for fiscal year 2024. This represents a 2752% increase from $27.0M in 2011.
Q2 Holdings, Inc. (QTWO) grew revenue by 11.5% over the past year. This is steady growth.
Yes, Q2 Holdings, Inc. (QTWO) is profitable, generating $31.7M in net income for fiscal year 2024 (-5.5% net margin).
Q2 Holdings, Inc. (QTWO) has a return on equity (ROE) of -8.0%. Negative ROE indicates the company is unprofitable.
Q2 Holdings, Inc. (QTWO) generated $164.2M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.