What is Q2 Holdings's interest coverage?

Q2 Holdings (QTWO) reported interest coverage of -5.4× in Q1 2025.

How has Q2 Holdings's interest coverage changed year-over-year?

Q2 Holdings's interest coverage increased by 68.3% year-over-year, from -17× to -5.4×.

What is the long-term trend for Q2 Holdings's interest coverage?

Over 4 years (2020 to 2024), Q2 Holdings's interest coverage has grown at a -22.2% compound annual growth rate (CAGR), from -24.4× to -8.9×.

What does interest coverage mean?

Trailing-twelve-month operating income (EBIT) divided by interest expense. Measures how many times over the company can cover its interest payments from operating profit.

Q2 Holdings QTWO Interest coverage

Interest coverage at other companies

Henry (Jack) & AssociatesJKHY

118.8×+74.7×

Fidelity National Information ServicesFIS

3.6×-1.2×

Paymentus HoldingsPAY

8.7×+2.6×

SoFi Technologies, Inc.SOFI

1.5×+0.3×

Diebold NixdorfDBD

2.8×+1.4×

Upstart Holdings, Inc.UPST

1.1×+0.7×

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$2.71B-39.3%

Enterprise value$2.83B-35.4%

P/E36.7×—

P/S3.3×-2.9×

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

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Return on equity12.8%+10.3pp

Debt / equity0.6×+0.1×

Current ratio0.9×-0.5×

Where this comes from

Calculated from Q2 Holdings’s reported figures.

ebit/interest expense=-5.4×

Based on trailing twelve months.

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 interest coverage?: Q2 Holdings (QTWO) reported interest coverage of -5.4× in Q1 2025.
How has Q2 Holdings's interest coverage changed year-over-year?: Q2 Holdings's interest coverage increased by 68.3% year-over-year, from -17× to -5.4×.
What is the long-term trend for Q2 Holdings's interest coverage?: Over 4 years (2020 to 2024), Q2 Holdings's interest coverage has grown at a -22.2% compound annual growth rate (CAGR), from -24.4× to -8.9×.
What does interest coverage mean?: Trailing-twelve-month operating income (EBIT) divided by interest expense. Measures how many times over the company can cover its interest payments from operating profit.