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Mar 31

Q2 Q1 2025 Earnings Report

Expected Revenue:$186M
+14.0% YoY
Expected EPS:$0.48
+65.5% YoY

Key Takeaways

Q2 Holdings, Inc. reported strong first quarter 2025 financial results with revenue of $189.7 million, a 15% increase year-over-year, and GAAP net income of $4.8 million, compared to a net loss in the prior year. Non-GAAP gross margin improved to 57.9% and adjusted EBITDA reached $40.7 million. The company signed five Tier 1 and Enterprise contracts and saw subscription annualized recurring revenue increase by 14% year-over-year.

First quarter 2025 revenue was $189.7 million, a 15% increase year-over-year.

GAAP net income for Q1 2025 was $4.8 million, a significant improvement from a net loss of $13.8 million in the prior-year quarter.

Non-GAAP gross margin for Q1 2025 was 57.9%, up from 54.9% in the prior-year quarter.

Adjusted EBITDA for Q1 2025 was $40.7 million, an increase from $25.2 million in the prior-year quarter.

Total Revenue
$190M
Previous year: $166M
+14.6%
EPS
$0
Previous year: $0.31
-100.0%
GAAP Gross Margin
53.2%
Previous year: 49.7%
+7.0%
Adjusted EBITDA
$40.7M
Previous year: $25.2M
+61.3%
Non-GAAP Gross Margin
57.9%
Previous year: 54.9%
+5.5%
Gross Profit
$101M
Previous year: $77.4M
+30.4%
Cash and Equivalents
$384M
Previous year: $343M
+12.0%
Free Cash Flow
$37.8M
Previous year: $12M
+214.5%
Total Assets
$1.35B
Previous year: $1.23B
+9.9%

Q2

Q2

Forward Guidance

Q2 Holdings is providing guidance for the second quarter and updated guidance for the full year 2025, expecting continued revenue growth and strong adjusted EBITDA.

Positive Outlook

  • Second quarter 2025 total revenue guidance of $191.0 million - $195.0 million, representing 10% to 13% year-over-year growth.
  • Second quarter 2025 adjusted EBITDA guidance of $41.0 million - $44.0 million, representing 21% to 23% of revenue.
  • Full-year 2025 total revenue guidance updated to $776.0 million - $783.0 million, representing 11% to 12% year-over-year growth.
  • Full-year 2025 adjusted EBITDA guidance of $170.0 million - $175.0 million, representing 22% of revenue.
  • Confidence in ability to capitalize on market opportunities and deliver long-term value.

Challenges Ahead

  • Guidance for GAAP net income (loss) and a reconciliation to adjusted EBITDA were not provided due to the inability to predict certain exclusions with reasonable certainty.
  • Excluded items from non-GAAP measures could be material to GAAP results in future periods.
  • Risks associated with global economic uncertainties and challenges remain.
  • Potential impact of mergers and acquisitions within the banking sector on customer operations and purchasing decisions.
  • Challenges and costs associated with selling, implementing, and supporting solutions, particularly for larger customers.