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
$8.3B
58.32
$1.65
0.50
-
Price and volume
Market cap
$8.3B
Beta
0.5
52-week high
$116.65
52-week low
$74.07
Average daily volume
879K
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)
58.315
Price to revenue (TTM)
6.564
Price to book
3.87
Price to tangible book (TTM)
-12.68
Price to free cash flow (TTM)
26.599
Free cash flow yield (TTM)
3.76%
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 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
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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Upcoming events
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FAQs
What’s the current market cap for HealthEquity stock?
HealthEquity (HQY) has a market cap of $8.3B as of October 22, 2025.
What is the P/E ratio for HealthEquity stock?
The price to earnings (P/E) ratio for HealthEquity (HQY) stock is 58.32 as of October 22, 2025.
Does HealthEquity stock pay dividends?
No, HealthEquity (HQY) stock does not pay dividends to its shareholders as of October 22, 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.