Q2 Holdings Earnings Call Transcripts
Fiscal Year 2026
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The discussion highlighted strong competitive positioning through a unified platform, robust AI-driven product innovation, and high win rates in digital banking and fraud. Financial guidance was raised, with growth driven by expansion, cross-sell, and AI monetization, while disciplined capital allocation supports both buybacks and selective M&A.
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Q1 2026 delivered 14% revenue growth, record bookings, and margin expansion driven by cloud migration and subscription mix. AI innovation and strong demand in digital banking and fraud solutions support raised full-year guidance for both revenue and adjusted EBITDA.
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AI is driving a major transformation, fully integrated into operations and product offerings, enabling rapid innovation and efficiency for clients. Deep platform integration, regulatory expertise, and a culture of continuous improvement position the company to outpace both legacy and new competitors in financial services.
Fiscal Year 2025
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Q4 and full year 2025 results exceeded guidance, with strong revenue, bookings, and profitability. Subscription revenue and ARR grew double digits, margins expanded, and free cash flow conversion was robust. 2026 guidance was raised, and long-term targets reflect continued operating leverage.
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The platform's unified approach, strong data capabilities, and Innovation Studio marketplace drive growth through cross-selling and fintech partnerships. Margin expansion, robust cash flow, and a disciplined capital strategy support ongoing investment in AI and product innovation.
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Q3 2025 delivered record bookings, 15% revenue growth, and 50% higher Adjusted EBITDA, with strong performance across all product lines and robust demand for AI and fraud solutions. Full-year guidance was raised, and a $150M share repurchase was authorized.
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Q2 2025 saw 13% revenue growth, record adjusted EBITDA, and strong free cash flow, with raised full-year guidance for revenue, subscription growth, and margins. Innovation Studio adoption and Tier 1 wins drove performance, while cloud migration and M&A activity shaped results.
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Revenue grew 15% year-over-year to $189.7 million, with adjusted EBITDA and free cash flow exceeding expectations. Subscription revenue and gross margin both improved, leading to raised full-year guidance and strong renewal and expansion activity.
Fiscal Year 2024
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Q4 and full year 2024 results exceeded guidance, with strong revenue, EBITDA, and record renewals. Subscription revenue and ARR grew double digits, margins expanded, and the outlook for 2025–2026 was raised, supported by robust demand and a growing TAM.
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Q3 2024 results exceeded guidance with 13% revenue growth, 18% subscription revenue growth, and strong profitability. Robust sales momentum, major enterprise wins, and cross-sell activity drove record backlog and ARR, while guidance for 2024 and 2025 remains strong.
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Q2 FY25 saw a 14% revenue increase and broad-based growth across all segments, with EBITDA at INR 221 crores and improved margins. Strong demand outlook, capacity expansions, and sustainability initiatives are set to drive further growth and margin gains.