HealthEquity/$HQY
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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
Headquarters
Website
HealthEquity Metrics
BasicAdvanced
$8.2B
57.73
$1.65
0.50
-
Price and volume
Market cap
$8.2B
Beta
0.5
52-week high
$116.65
52-week low
$74.07
Average daily volume
820K
Financial strength
Current ratio
4.228
Quick ratio
3.565
Long term debt to equity
48.689
Total debt to equity
49.153
Interest coverage (TTM)
4.33%
Profitability
EBITDA (TTM)
430.719
Gross margin (TTM)
66.43%
Net profit margin (TTM)
11.49%
Operating margin (TTM)
21.56%
Effective tax rate (TTM)
21.25%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
4.93%
Return on equity (TTM)
6.78%
Valuation
Price to earnings (TTM)
57.729
Price to revenue (TTM)
6.498
Price to book
3.83
Price to tangible book (TTM)
-12.55
Price to free cash flow (TTM)
26.332
Free cash flow yield (TTM)
3.80%
Free cash flow per share (TTM)
3.609
Growth
Revenue change (TTM)
15.45%
Earnings per share change (TTM)
37.24%
3-year revenue growth (CAGR)
16.86%
10-year revenue growth (CAGR)
28.05%
3-year earnings per share growth (CAGR)
30.52%
10-year earnings per share growth (CAGR)
21.37%
What the Analysts think about HealthEquity
Analyst ratings (Buy, Hold, Sell) for HealthEquity stock.
Bulls say / Bears say
In Q1 FY2026, HealthEquity delivered 15% YoY revenue growth to $330.8 million, surpassed EPS forecasts, and raised full-year guidance, driving a 6.4% share jump (Investing.com).
As of April 30, 2025, total HSA assets rose 15% YoY to $31.3 billion and total accounts grew 6.9% to 17.1 million, underscoring ongoing member adoption (Nasdaq).
Fraud losses plummeted by over 70% to $3 million in Q1 FY2026 from $11 million in Q4 FY2025, reflecting effective risk mitigation initiatives (Nasdaq).
In Q4 FY2025, HealthEquity incurred $17 million in fraud-related service costs that cut gross profit and contributed to a 20% stock drop after missing EPS expectations (Investopedia).
Operating profit in Q3 FY2025 fell 36.5% YoY and operating margin contracted by 590 bps to 6.5% due to higher merger integration expenses (Nasdaq).
For FY2026, HealthEquity’s EPS guidance of $3.57–$3.74 has a midpoint marginally below the $3.66 analyst consensus, and its $1.28–$1.305 billion revenue projection trails the $1.309 billion estimate (Investing.com).
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2025.
HealthEquity Financial Performance
Revenues and expenses
HealthEquity Earnings Performance
Company profitability
HealthEquity News
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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.
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FAQs
What’s the current market cap for HealthEquity stock?
HealthEquity (HQY) has a market cap of $8.2B as of November 05, 2025.
What is the P/E ratio for HealthEquity stock?
The price to earnings (P/E) ratio for HealthEquity (HQY) stock is 57.73 as of November 05, 2025.
Does HealthEquity stock pay dividends?
No, HealthEquity (HQY) stock does not pay dividends to its shareholders as of November 05, 2025.
When is the next HealthEquity dividend payment date?
HealthEquity (HQY) stock does not pay dividends to its shareholders.
What is the beta indicator for HealthEquity?
HealthEquity (HQY) has a beta rating of 0.5. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.