What is Q2 Holdings's allowance for credit losses?

Q2 Holdings (QTWO) reported allowance for credit losses of $0 in Q1 2026.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

Q2 Holdings QTWO Allowance for credit losses

Allowance for credit losses at other companies

Customers BancorpCUBI

$160.96M+14.1%

Dime Community Bancshares DCOM

$100.67M+11.3%

International BancsharesIBOC

$160.44M+1.1%

The BancorpTBBK

$63.02M+20.0%

Community Financial SystemCBU

$90.19M+8.9%

Eastern Bankshares, Inc.EBC

$327.89M+46.2%

Other financials

Income statement

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Revenue$216.5M+14.1%

Gross profit$127.9M+26.7%

Operating income$27.7M+1,165%

Net income$26.6M+460%

EPS (diluted)$0.40+471%

Balance sheet

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Cash & equivalents$218.3M-34.3%

Total debt$343.9M+45.3%

Total equity$611.7M+12.1%

Total assets$1.2B-7.7%

Cash flow

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Operating cash flow$56.3M+29.4%

CapEx$6.6M+740%

Free cash flow$49.7M+16.3%

Valuation

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Market cap$2.82B-39.3%

Profitability

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Gross margin55.6%+3.8pp

Operating margin8%+6.1pp

Net margin9%+7.3pp

FCF margin24.5%+2.4pp

Returns & leverage

See full

Return on equity12.8%+10.3pp

Debt / equity0.6×+0.1×

Current ratio0.9×-0.5×

Where this comes from

Reported directly by Q2 Holdings in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss.

The official record: Q2 Holdings’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Q2 Holdings's allowance for credit losses?: Q2 Holdings (QTWO) reported allowance for credit losses of $0 in Q1 2026.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.