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
$8B
56.06
$1.65
0.50
-
Price and volume
Market cap
$8B
Beta
0.5
52-week high
$116.65
52-week low
$74.07
Average daily volume
1.1M
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)
56.056
Price to revenue (TTM)
6.31
Price to book
3.72
Price to tangible book (TTM)
-12.19
Price to free cash flow (TTM)
25.568
Free cash flow yield (TTM)
3.91%
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
Strong Q1 FY26 results: revenue rose 15% YoY to $330.8 million and net income surged 87% to $53.9 million, fueling a 19% increase in adjusted EBITDA and leading management to raise full-year guidance (GlobeNewswire)
Rapid HSA growth fuels scale: the number of HSAs climbed 9% to 9.9 million and total HSA assets increased 15% to $31.3 billion, highlighting strong member acquisition and engagement (GlobeNewswire)
Share repurchases show confidence: HealthEquity bought back $60.3 million of its common stock in Q1 and has $117.5 million remaining under its repurchase authorization, demonstrating strong cash flow and a firm commitment to shareholders (HealthEquity IR)
Surging fraud costs dent profitability: Q4 FY25 service costs related to fraud escalated from $8 million to $17 million, reducing gross profit and leading to a 20% drop in the stock after missing earnings forecasts (Investopedia)
Elevated leverage post-acquisition: the $425 million BenefitWallet deal pushed long-term debt up to $1.06 billion from $875 million, increasing interest expense and financial risk (StockTitan)
Guidance offers limited upside: FY26 non-GAAP EPS guidance midpoint is slightly below consensus expectations, which may constrain analyst revisions and near-term investor sentiment (Investor’s Business Daily)
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 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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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for HealthEquity stock?
HealthEquity (HQY) has a market cap of $8B as of September 18, 2025.
What is the P/E ratio for HealthEquity stock?
The price to earnings (P/E) ratio for HealthEquity (HQY) stock is 56.06 as of September 18, 2025.
Does HealthEquity stock pay dividends?
No, HealthEquity (HQY) stock does not pay dividends to its shareholders as of September 18, 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.