HealthEquity/$HQY

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1D1W1MYTD1Y5YMAX

About HealthEquity

HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

Ticker

$HQY
Sector
Primary listing

Employees

3,113

HealthEquity Metrics

BasicAdvanced
$8B
56.36
$1.65
0.50
-

What the Analysts think about HealthEquity

Analyst ratings (Buy, Hold, Sell) for HealthEquity stock.

Bulls say / Bears say

In Q2 FY2026 ended July 31, 2025, HealthEquity beat revenue and EPS estimates with revenue up 8.6% year-over-year to $325.8 million and adjusted EPS of $1.08 surpassing consensus by 17.4%, demonstrating strong operating leverage (Nasdaq).
Total HSA assets grew 12% year-over-year to $33.1 billion in Q2, with investment-linked accounts rising 10% to 782,000, driving higher-margin custodial revenue and underpinning margin expansion (Nasdaq).
In Q1 FY2026 ended April 30, 2025, revenue rose 15% year-over-year and adjusted EBITDA increased 19% to $140.2 million, prompting management to raise full-year guidance and signaling sustained growth momentum (Nasdaq).
Fourth-quarter fiscal 2025 adjusted EPS of $0.69 missed the Zacks Consensus Estimate of $0.72, sparking a 13.6% drop in after-market trading and highlighting execution risks in core operations (Nasdaq).
Management warned of escalating cyber threats and fraud-related expenses during Q4 FY2025, noting these costs cut approximately $17 million from gross profit and underscoring persistent security and service-cost pressures (Nasdaq).
HealthEquity’s stock declined over 13% year-to-date amid investor concerns over elevated service costs and cybersecurity vulnerabilities, reflecting waning sentiment on the firm’s near-term margin outlook (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.

HealthEquity Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

HealthEquity Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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