HQY
HealthEquity, Inc.
Price Chart
Latest Quote
$85.00
+0.08 (+0.09%)
Current Price
| Previous Close | $84.92 |
| Open | $84.92 |
| Day High | $86.70 |
| Day Low | $84.91 |
| Volume | 856,019 |
Stock Information
| Shares Outstanding | 83.60M |
| Total Debt | $984.68M |
| Cash Equivalents | $265.37M |
| Revenue | $1.34B |
| Net Income | $230.70M |
| Sector | Healthcare |
| Industry | Health Information Services |
| Market Cap | $7.11B |
| P/E Ratio | 31.84 |
| EPS (TTM) | $2.67 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $7.83B |
| Sales | $1.34B |
| Income | $230.70M |
| Book/sh | $24.39 |
| Cash/sh | $3.17 |
| Employees | 3K |
Financial Ratios
| Quick Ratio | 2.85 |
| Current Ratio | 3.44 |
| Debt/Eq | 48.09 |
| EPS Growth TTM | 28.80% |
Returns & Margins
| ROA | 6.46% |
| ROE | 11.06% |
| Gross Margin | 70.68% |
| Operating Margin | 29.34% |
| Profit Margin | 17.25% |
Ownership
| Insider Ownership | 2.15% |
| Institutional Ownership | 107.07% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 15.48 |
| PEG | 1.21 |
| P/S | 5.31 |
| P/B | 3.48 |
Analyst Data
| Recommendation | buy |
| Target Price | $115.56 |
Technical Indicators
| SMA20 | $87.34 |
| SMA50 | $84.99 |
| SMA200 | $88.17 |
| RSI | 49.19 |
| ATR | 2.5600 |
| Shares Float | 81.96M |
| Short Float | 6.54% |
| Short Ratio | 4.17 |
| Volatility | 0.21 |
| Rel Volume | 0.79 |
Performance History
| Week | -0.77% |
| Month | -3.53% |
| Quarter | +3.53% |
| 6 Months | -10.99% |
| YTD | -6.67% |
| Year | -16.02% |
| 3 Years | +36.02% |
| 5 Years | +8.02% |
| 10 Years | +206.64% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $85.00 | 856,019 |
| 2026-06-23 | $84.92 | 983,900 |
| 2026-06-22 | $84.61 | 850,200 |
| 2026-06-18 | $85.21 | 1,200,700 |
| 2026-06-17 | $86.33 | 1,070,900 |
| 2026-06-16 | $85.66 | 1,633,600 |
| 2026-06-15 | $86.97 | 1,235,600 |
| 2026-06-12 | $88.34 | 717,300 |
| 2026-06-11 | $88.96 | 576,700 |
| 2026-06-10 | $89.72 | 663,800 |
| 2026-06-09 | $89.23 | 803,700 |
| 2026-06-08 | $87.84 | 970,600 |
| 2026-06-05 | $88.67 | 778,600 |
| 2026-06-04 | $86.03 | 784,200 |
| 2026-06-03 | $85.21 | 940,700 |
| 2026-06-02 | $88.34 | 1,068,400 |
| 2026-06-01 | $90.64 | 1,399,100 |
| 2026-05-29 | $87.99 | 2,826,500 |
| 2026-05-28 | $90.52 | 1,243,400 |
| 2026-05-27 | $86.56 | 937,200 |
| 2026-05-26 | $87.25 | 777,400 |
About HealthEquity, Inc.
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. In addition, the company offers HSA and FSA members with access to certain healthcare products, programs, and services through its marketplace. It serves clients through a direct sales force; and brokers and advisors, a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.
đ° Latest News
Reasons to Hold HealthEquity Stock in Your Portfolio for Now
Zacks âĸ 2026-06-12T15:06:00Z
Is HealthEquity's Improving Profitability Enough to Offset Key Risks?
Zacks âĸ 2026-06-11T17:10:00Z
The Bull Case For HealthEquity (HQY) Could Change Following Raised Earnings Outlook And Completed Buyback Program
Simply Wall St. âĸ 2026-06-10T01:15:23Z
Zacks Industry Outlook Highlights BrightSpring Health Services, Biodesix and HealthEquity
Zacks âĸ 2026-06-09T11:16:00Z
3 Medical Service Industry Stocks Thriving Amid Workforce Challenges
Zacks âĸ 2026-06-08T12:22:00Z
3 Reasons Why Growth Investors Shouldn't Overlook HealthEquity (HQY)
Zacks âĸ 2026-06-04T16:45:03Z
Wall Street Analysts See a 33.49% Upside in HealthEquity (HQY): Can the Stock Really Move This High?
Zacks âĸ 2026-06-04T13:55:02Z
HealthEquity, Inc. Just Recorded A 22% EPS Beat: Here's What Analysts Are Forecasting Next
Simply Wall St. âĸ 2026-05-31T14:35:28Z
HealthEquity Posts Q1 Beat-and-Raise on Strong HSA Growth, AI-Driven Efficiency, RBC Says
MT Newswires âĸ 2026-05-29T15:42:26ZHealthEquity Stock Gains as Q1 Earnings Top Estimates, Revenues Up Y/Y
Zacks âĸ 2026-05-29T14:53:00Z
Period:
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Income Statement (Annual)
| Metric | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $353,609,000 | $371,942,000 | $316,635,000 | $303,198,000 |
| Cost Of Revenue | $400,313,000 | $422,515,000 | $376,950,000 | $369,813,000 |
| Total Revenue | $1,313,429,000 | $1,199,774,000 | $999,587,000 | $861,748,000 |
| Operating Revenue | $1,313,429,000 | $1,199,774,000 | $999,587,000 | $861,748,000 |
| Expenses | ||||
| Interest Expense | $57,131,000 | $60,634,000 | $55,455,000 | $48,424,000 |
| Total Expenses | $985,949,000 | $996,905,000 | $871,453,000 | $824,095,000 |
| Other Income Expense | $-4,646,000 | $-40,115,000 | $-9,777,000 | $-29,088,000 |
| Other Non Operating Income Expenses | $378,000 | $420,000 | $658,000 | $-439,000 |
| Net Non Operating Interest Income Expense | $-45,402,000 | $-46,720,000 | $-43,317,000 | $-46,661,000 |
| Interest Expense Non Operating | $57,131,000 | $60,634,000 | $55,455,000 | $48,424,000 |
| Operating Expense | $585,636,000 | $574,390,000 | $494,503,000 | $454,282,000 |
| Selling And Marketing Expense | $95,240,000 | $90,739,000 | $79,273,000 | $68,849,000 |
| General And Administrative Expense | $119,933,000 | $132,260,000 | $103,656,000 | $97,472,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Net Interest Income | $-45,402,000 | $-46,720,000 | $-43,317,000 | $-46,661,000 |
| Interest Income | $11,729,000 | $13,914,000 | $12,138,000 | $1,763,000 |
| Normalized Income | $219,099,624 | $130,484,961 | $63,459,264 | $-6,489,786 |
| Net Income From Continuing And Discontinued Operation | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Total Operating Income As Reported | $322,456,000 | $162,334,000 | $117,699,000 | $9,057,000 |
| Net Income Common Stockholders | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Net Income | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Net Income Including Noncontrolling Interests | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Net Income Continuous Operations | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Pretax Income | $277,432,000 | $116,034,000 | $75,040,000 | $-38,096,000 |
| Special Income Charges | $-5,024,000 | $-40,535,000 | $-10,435,000 | $-28,649,000 |
| Interest Income Non Operating | $11,729,000 | $13,914,000 | $12,138,000 | $1,763,000 |
| Operating Income | $327,480,000 | $202,869,000 | $128,134,000 | $37,653,000 |
| Depreciation Amortization Depletion Income Statement | $107,953,000 | $111,878,000 | $92,763,000 | $94,586,000 |
| Depreciation And Amortization In Income Statement | $107,953,000 | $111,878,000 | $92,763,000 | $94,586,000 |
| Amortization Of Intangibles Income Statement | $107,953,000 | $111,878,000 | $92,763,000 | $94,586,000 |
| Gross Profit | $913,116,000 | $777,259,000 | $622,637,000 | $491,935,000 |
| Per Share | ||||
| Diluted EPS | $2.46 | $1.09 | $0.64 | $-0.31 |
| Basic EPS | $2.50 | $1.11 | $0.65 | $-0.31 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,125,376 | $-6,753,039 | $-2,687,736 | $-8,995,786 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $494,244,000 | $379,654,000 | $294,008,000 | $200,178,000 |
| Total Unusual Items | $-5,024,000 | $-40,535,000 | $-10,435,000 | $-28,649,000 |
| Total Unusual Items Excluding Goodwill | $-5,024,000 | $-40,535,000 | $-10,435,000 | $-28,649,000 |
| Reconciled Depreciation | $154,657,000 | $162,451,000 | $153,078,000 | $161,201,000 |
| EBITDA (Bullshit earnings) | $489,220,000 | $339,119,000 | $283,573,000 | $171,529,000 |
| EBIT | $334,563,000 | $176,668,000 | $130,495,000 | $10,328,000 |
| Diluted Average Shares | $87,473,000 | $88,828,000 | $86,957,000 | $84,442,000 |
| Basic Average Shares | $86,132,000 | $86,870,000 | $85,564,000 | $84,442,000 |
| Diluted NI Availto Com Stockholders | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Tax Provision | $62,231,000 | $19,331,000 | $19,328,000 | $-11,953,000 |
| Restructuring And Mergern Acquisition | $5,024,000 | $40,535,000 | $10,435,000 | $28,649,000 |
| Amortization | $107,953,000 | $111,878,000 | $92,763,000 | $94,586,000 |
| Research And Development | $262,510,000 | $239,513,000 | $218,811,000 | $193,375,000 |
| Selling General And Administration | $215,173,000 | $222,999,000 | $182,929,000 | $166,321,000 |
| Other Gand A | $119,933,000 | $132,260,000 | $103,656,000 | $97,472,000 |
| Gain On Sale Of Security | - | - | - | - |
Fetched: 2026-06-21
Balance Sheet (Annual)
| Metric | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $-638,121,000 | $-737,892,000 | $-449,072,000 | $-688,864,000 |
| Total Assets | $3,380,332,000 | $3,448,550,000 | $3,163,790,000 | $3,088,900,000 |
| Total Non Current Assets | $2,868,051,000 | $2,970,801,000 | $2,606,354,000 | $2,706,007,000 |
| Other Non Current Assets | $83,247,000 | $71,574,000 | $67,868,000 | $52,180,000 |
| Goodwill And Other Intangible Assets | $2,745,317,000 | $2,852,803,000 | $2,484,093,000 | $2,584,504,000 |
| Other Intangible Assets | $1,097,172,000 | $1,204,658,000 | $835,948,000 | $936,359,000 |
| Current Assets | $512,281,000 | $477,749,000 | $557,436,000 | $382,893,000 |
| Other Current Assets | $69,658,000 | $63,795,000 | $48,564,000 | $31,792,000 |
| Receivables | $123,696,000 | $118,006,000 | $104,893,000 | $96,835,000 |
| Accounts Receivable | $123,696,000 | $118,006,000 | $104,893,000 | $96,835,000 |
| Allowance For Doubtful Accounts Receivable | $-924,000 | $-2,070,000 | $-3,947,000 | $-4,989,000 |
| Gross Accounts Receivable | $124,620,000 | $120,076,000 | $108,840,000 | $101,824,000 |
| Cash Cash Equivalents And Short Term Investments | $318,927,000 | $295,948,000 | $403,979,000 | $254,266,000 |
| Cash And Cash Equivalents | $318,927,000 | $295,948,000 | $403,979,000 | $254,266,000 |
| Debt | ||||
| Net Debt | $638,452,000 | $760,353,000 | $470,993,000 | $671,072,000 |
| Total Debt | $1,001,480,000 | $1,108,521,000 | $933,142,000 | $994,485,000 |
| Long Term Debt And Capital Lease Obligation | $991,569,000 | $1,098,520,000 | $923,738,000 | $966,826,000 |
| Long Term Debt | $957,379,000 | $1,056,301,000 | $874,972,000 | $907,838,000 |
| Current Debt And Capital Lease Obligation | $9,911,000 | $10,001,000 | $9,404,000 | $27,659,000 |
| Current Debt | - | - | - | $17,500,000 |
| Other Current Borrowings | - | - | - | $17,500,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,273,136,000 | $1,333,639,000 | $1,128,769,000 | $1,193,260,000 |
| Total Non Current Liabilities Net Minority Interest | $1,116,286,000 | $1,177,316,000 | $1,011,678,000 | $1,062,199,000 |
| Other Non Current Liabilities | $31,007,000 | $22,962,000 | $19,270,000 | $12,708,000 |
| Non Current Deferred Liabilities | $93,710,000 | $55,834,000 | $68,670,000 | $82,665,000 |
| Non Current Deferred Taxes Liabilities | $93,710,000 | $55,834,000 | $68,670,000 | $82,665,000 |
| Current Liabilities | $156,850,000 | $156,323,000 | $117,091,000 | $131,061,000 |
| Payables And Accrued Expenses | $86,547,000 | $76,992,000 | $58,079,000 | $57,567,000 |
| Payables | $12,159,000 | $14,361,000 | $12,041,000 | $13,899,000 |
| Accounts Payable | $12,159,000 | $14,361,000 | $12,041,000 | $13,899,000 |
| Equity | ||||
| Common Stock Equity | $2,107,196,000 | $2,114,911,000 | $2,035,021,000 | $1,895,640,000 |
| Total Equity Gross Minority Interest | $2,107,196,000 | $2,114,911,000 | $2,035,021,000 | $1,895,640,000 |
| Stockholders Equity | $2,107,196,000 | $2,114,911,000 | $2,035,021,000 | $1,895,640,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,707,000 | $0 | - | - |
| Other Equity Adjustments | $-5,707,000 | - | - | - |
| Retained Earnings | $195,906,000 | $209,274,000 | $205,628,000 | $149,916,000 |
| Other | ||||
| Ordinary Shares Number | $85,007,000 | $86,536,000 | $86,127,000 | $84,758,000 |
| Share Issued | $85,007,000 | $86,536,000 | $86,127,000 | $84,758,000 |
| Tangible Book Value | $-638,121,000 | $-737,892,000 | $-449,072,000 | $-688,864,000 |
| Invested Capital | $3,064,575,000 | $3,171,212,000 | $2,909,993,000 | $2,820,978,000 |
| Working Capital | $355,431,000 | $321,426,000 | $440,345,000 | $251,832,000 |
| Capital Lease Obligations | $44,101,000 | $52,220,000 | $58,170,000 | $69,147,000 |
| Total Capitalization | $3,064,575,000 | $3,171,212,000 | $2,909,993,000 | $2,803,478,000 |
| Additional Paid In Capital | $1,916,989,000 | $1,905,628,000 | $1,829,384,000 | $1,745,716,000 |
| Capital Stock | $8,000 | $9,000 | $9,000 | $8,000 |
| Common Stock | $8,000 | $9,000 | $9,000 | $8,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $34,190,000 | $42,219,000 | $48,766,000 | $58,988,000 |
| Current Capital Lease Obligation | $9,911,000 | $10,001,000 | $9,404,000 | $10,159,000 |
| Pensionand Other Post Retirement Benefit Plans Current | $60,392,000 | $69,330,000 | $49,608,000 | $45,835,000 |
| Current Accrued Expenses | $74,388,000 | $62,631,000 | $46,038,000 | $43,668,000 |
| Goodwill | $1,648,145,000 | $1,648,145,000 | $1,648,145,000 | $1,648,145,000 |
| Net PPE | $39,487,000 | $46,424,000 | $54,393,000 | $69,323,000 |
| Accumulated Depreciation | $-37,318,000 | $-36,653,000 | $-41,018,000 | $-41,820,000 |
| Gross PPE | $76,805,000 | $83,077,000 | $95,411,000 | $111,143,000 |
| Leases | $14,140,000 | $13,966,000 | $14,455,000 | $18,269,000 |
| Other Properties | $36,310,000 | $43,185,000 | $48,380,000 | $56,461,000 |
| Machinery Furniture Equipment | $26,355,000 | $25,926,000 | $32,576,000 | $36,413,000 |
| Properties | $0 | $0 | $0 | $0 |
Fetched: 2026-06-21
Cash Flow Statement (Annual)
| Metric | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $408,317,000 | $-165,598,000 | $196,752,000 | $31,523,000 |
| Operating Activities | ||||
| Operating Cash Flow | $457,094,000 | $339,856,000 | $242,826,000 | $150,650,000 |
| Cash Flow From Continuing Operating Activities | $457,094,000 | $339,856,000 | $242,826,000 | $150,650,000 |
| Operating Gains Losses | $-16,000 | $1,576,000 | $1,157,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-48,777,000 | $-505,454,000 | $-46,074,000 | $-119,127,000 |
| Investing Cash Flow | $-47,140,000 | $-505,454,000 | $-46,074,000 | $-119,127,000 |
| Cash Flow From Continuing Investing Activities | $-47,140,000 | $-505,454,000 | $-46,074,000 | $-119,127,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-299,254,000 | $-121,493,000 | $0 | $0 |
| Financing Cash Flow | $-386,975,000 | $57,567,000 | $-47,039,000 | $-2,671,000 |
| Cash Flow From Continuing Financing Activities | $-386,975,000 | $57,567,000 | $-47,039,000 | $-2,671,000 |
| Net Other Financing Charges | $867,000 | $-5,368,000 | $865,000 | $-603,000 |
| Net Common Stock Issuance | $-299,254,000 | $-121,493,000 | $0 | $0 |
| Issuance Of Capital Stock | - | - | $0 | $0 |
| Common Stock Issuance | - | - | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-100,000,000 | $-561,875,000 | $-54,375,000 | $-8,750,000 |
| Issuance Of Debt | $0 | $736,875,000 | $0 | $0 |
| Interest Paid Supplemental Data | $52,245,000 | $58,587,000 | $49,560,000 | $43,570,000 |
| Income Tax Paid Supplemental Data | $8,042,000 | $26,069,000 | $35,352,000 | $1,526,000 |
| End Cash Position | $318,927,000 | $295,948,000 | $403,979,000 | $254,266,000 |
| Beginning Cash Position | $295,948,000 | $403,979,000 | $254,266,000 | $225,414,000 |
| Changes In Cash | $22,979,000 | $-108,031,000 | $149,713,000 | $28,852,000 |
| Proceeds From Stock Option Exercised | $11,412,000 | $9,428,000 | $6,471,000 | $6,682,000 |
| Common Stock Payments | $-299,254,000 | $-121,493,000 | $0 | $0 |
| Net Issuance Payments Of Debt | $-100,000,000 | $175,000,000 | $-54,375,000 | $-8,750,000 |
| Net Long Term Debt Issuance | $-100,000,000 | $175,000,000 | $-54,375,000 | $-8,750,000 |
| Long Term Debt Payments | $-100,000,000 | $-561,875,000 | $-54,375,000 | $-8,750,000 |
| Long Term Debt Issuance | $0 | $736,875,000 | $0 | $0 |
| Net Investment Purchase And Sale | $1,637,000 | $0 | $0 | $0 |
| Sale Of Investment | $1,637,000 | $0 | $0 | $0 |
| Net Intangibles Purchase And Sale | $-46,808,000 | $-503,370,000 | $-44,380,000 | $-115,756,000 |
| Purchase Of Intangibles | $-46,808,000 | $-503,370,000 | $-44,380,000 | $-115,756,000 |
| Net PPE Purchase And Sale | $-1,969,000 | $-2,084,000 | $-1,694,000 | $-3,371,000 |
| Purchase Of PPE | $-1,969,000 | $-2,084,000 | $-1,694,000 | $-3,371,000 |
| Change In Working Capital | $-26,619,000 | $-6,530,000 | $-33,129,000 | $-33,370,000 |
| Change In Other Working Capital | $-8,806,000 | $17,758,000 | $2,951,000 | $-1,282,000 |
| Change In Other Current Liabilities | $-7,953,000 | $-14,937,000 | $-5,218,000 | $-8,709,000 |
| Change In Other Current Assets | $-5,878,000 | $-5,126,000 | $-22,600,000 | $12,864,000 |
| Change In Payables And Accrued Expense | $1,708,000 | $8,888,000 | $-204,000 | $-26,673,000 |
| Change In Payable | $1,708,000 | $8,888,000 | $-204,000 | $-26,673,000 |
| Change In Account Payable | $1,708,000 | $8,888,000 | $-204,000 | $-26,673,000 |
| Change In Receivables | $-5,690,000 | $-13,113,000 | $-8,058,000 | $-9,570,000 |
| Changes In Account Receivables | $-5,690,000 | $-13,113,000 | $-8,058,000 | $-9,570,000 |
| Other Non Cash Items | $1,078,000 | $2,067,000 | $2,852,000 | $3,529,000 |
| Stock Based Compensation | $73,063,000 | $96,425,000 | $77,151,000 | $62,614,000 |
| Deferred Tax | $39,730,000 | $-12,836,000 | $-13,995,000 | $-17,181,000 |
| Deferred Income Tax | $39,730,000 | $-12,836,000 | $-13,995,000 | $-17,181,000 |
| Depreciation Amortization Depletion | $154,657,000 | $162,451,000 | $153,078,000 | $161,201,000 |
| Depreciation And Amortization | $154,657,000 | $162,451,000 | $153,078,000 | $161,201,000 |
| Gain Loss On Investment Securities | $-16,000 | - | - | - |
| Net Income From Continuing Operations | $215,201,000 | $96,703,000 | $55,712,000 | $-26,143,000 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
| Asset Impairment Charge | - | - | $0 | $0 |
| Purchase Of Investment | - | - | - | - |
Fetched: 2026-06-21