Q2
Cloud software for digital banking, lending, fraud control, relationship pricing, and embedded finance.
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Profile
Sells cloud-based digital banking, lending, relationship-pricing, fraud, integration, and embedded-finance software to financial institutions and fintechs. Revenue is mainly subscription-based, with transaction and services fees, while a unified platform and one operating segment span the portfolio.
Delivers cloud-based financial-services software to banks, credit unions, fintechs, and alternative-finance providers, chiefly in the United States. The portfolio spans the Digital Banking Platform, Innovation Studio developer tools, risk and fraud solutions, digital lending and relationship pricing, and Helix core processing and banking-as-a-service. One configurable architecture connects retail, small-business, and commercial workflows with core systems and partner applications.
Most revenue comes from hosted-solution subscriptions, supplemented by transaction fees, implementation and professional services, and third-party pass-through fees. Customers can deploy individual products or expand into integrated relationships. All revenue-generating activity is reported in one segment. The model depends on secure, reliable service under financial regulation and continued access to customer core systems and third-party services.
Company facts
Categories
Key statistics
Year to date −6.3% · Average volume (30d) 881.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 31, 2026 | UBS | Target | $77 | $68 | ||
| Jul 30, 2026 | Needham | Reiterate | Buy | $120 | $75 | |
| Apr 30, 2026 | Morgan Stanley | Target | $68 | $63 | ||
| Apr 30, 2026 | Stifel Nicolaus | Target | $75 | $70 | ||
| Apr 30, 2026 | UBS | Target | $67 | $77 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $0.68 | $0.70 | +2.5% | $216.9M | $219.8M | +1.3% | −2.23% |
| Apr 29, 2026Q1 FY26 | $0.71 | $0.63 | −11.3% | $214.4M | $216.5M | +1.0% | −3.35% |
| Feb 11, 2026Q4 FY25 | $0.59 | $0.61 | +3.4% | $204.7M | $208.2M | +1.7% | −7.36% |
| Nov 5, 2025Q3 FY25 | $0.55 | $0.57 | +3.6% | $204.9M | $201.7M | −1.5% | +14.81% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $189.7M | $195.1M | $201.7M | $208.2M | $216.5M | $219.8M | |
| Gross profit | $101.0M | $104.6M | $108.8M | $115.3M | $127.9M | $130.2M | |
| Operating income | $2.2M | $9.8M | $11.0M | $18.3M | $28.1M | $29.3M | |
| Net income | $4.8M | $11.8M | $15.0M | $20.4M | $26.6M | $29.9M | |
| Diluted EPS | $0.07 | $0.18 | $0.23 | $0.31 | $0.40 | $0.46 | |
| Gross margin | 53.2% | 53.6% | 54.0% | 55.4% | 59.1% | 59.2% | |
| Operating margin | 1.2% | 5.0% | 5.5% | 8.8% | 13.0% | 13.4% |
Fiscal years (4-quarter sums)FY21 $498.7M · FY22 $565.7M · FY23 $624.6M · FY24 $696.5M · FY25 $794.8M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $106.4M · Total debt $40.9M · Total assets $968.4M · Shareholders' equity $643.5M
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 62.35M · Float 61.19M · 98.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 10.43M | 16.73% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 4.97M | 7.97% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 2.72M | 4.36% | 13F | Aug 13, 2026 |
| State Street Corp | 2.63M | 4.22% | 13F | Aug 7, 2026 |
| Tremblant Capital Group | 1.84M | 2.95% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Jonathan Price | officer: Chief Financial Officer | −77,180 | $65.71 |
| Aug 10, 2026 | Kimberly Anne Rutledge | officer: Chief People Officer | −10,000 | $63.07 |
| Jun 10, 2026 | Kirk L. Coleman | officer: Chief Business Officer | −3,603 | $43.48 |
| May 14, 2026 | Michael S. Kerr | officer: General Counsel | −397 | $44.98 |
| Mar 11, 2026 | Kimberly Anne Rutledge | officer: Chief People Officer | −3,187 | $50.37 |
Peers
- Alkami Technology
Direct digital-banking rival for U.S. community and regional FIs
- Fiserv
Core, payments, and digital banking scale across bank clients
- Jack Henry & Associates
Core and Banno digital banking for community banks and credit unions
- FIS
Core, digital, and payments banking platform for larger institutions
- nCino
Banking workflow rival in lending, onboarding, and account opening
- Blend Labs
Origination platform for digital loan and deposit journeys
- ACI Worldwide
Payments, bill-pay, and fraud software overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Q2 | $65.13 | +0.12% | $4.06B | 46.5 | 21.0 | 4.8 | +12.6% |
| Alkami Technology | $20.22 | +0.05% | $2.16B | — | 20.7 | 4.4 | +15.9% |
| Fiserv | $53.30 | +0.24% | $28.36B | 10.2 | 7.2 | 1.4 | −10.0% |
| Jack Henry & Associates | $169.73 | −0.01% | $12.06B | 24.4 | 23.1 | 4.8 | +4.7% |
| FIS | $41.31 | −0.33% | $21.42B | 6.3 | 6.5 | 1.7 | +29.1% |
| nCino | $22.99 | −0.13% | $2.52B | 76.6 | 16.0 | 4.0 | +8.2% |
| Blend Labs | $1.52 | +0.33% | $368.0M | — | 38.8 | 2.8 | +7.3% |
| ACI Worldwide | $53.67 | −0.33% | $5.47B | 24.7 | 20.6 | 3.0 | +7.3% |
| Median | 24.4 | 20.6 | 3.0 | +7.3% |