HealthEquity/$HQY
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Health
- Primary listing
- NASDAQ
- Employees
- 2,814
- Headquarters
- Draper, United States
- Website
- www.healthequity.com
HealthEquity Metrics
BasicAdvanced
$9B
39.38
$2.76
0.23
-
Price and volume
Market cap
$9B
Beta
0.23
52-week high
$109.37
52-week low
$72.76
Average daily volume
861K
Financial strength
Current ratio
2.993
Quick ratio
2.459
Long term debt to equity
0.483
Total debt to equity
0.488
Interest coverage (TTM)
6.78%
Profitability
EBITDA (TTM)
513.607
Gross margin (TTM)
71.25%
Net profit margin (TTM)
17.36%
Operating margin (TTM)
26.13%
Effective tax rate (TTM)
23.39%
Revenue per employee (TTM)
$480,000
Management effectiveness
Return on assets (TTM)
6.65%
Return on equity (TTM)
11.43%
Valuation
Price to earnings (TTM)
39.385
Price to revenue (TTM)
6.774
Price to book
4.53
Price to tangible book (TTM)
-12.78
Price to free cash flow (TTM)
21.13
Free cash flow yield (TTM)
4.73%
Free cash flow per share (TTM)
5.151
Growth
Revenue change (TTM)
7.34%
Earnings per share change (TTM)
67.87%
3-year revenue growth (CAGR)
13.24%
10-year revenue growth (CAGR)
24.31%
3-year earnings per share growth (CAGR)
163.56%
10-year earnings per share growth (CAGR)
21.61%
What the Analysts think about HealthEquity
Analyst ratings (Buy, Hold, Sell) for HealthEquity stock.
Analyst projections of the future price of HealthEquity stock.
Bulls say / Bears say
New HSA sales rose 24% year on year to 202,000 in the quarter, while total HSA accounts grew 8%. Management said renewals were on course to exceed 90%, supporting a sizeable base for further growth. (HealthEquity, Investing.com)
Profit grew faster than revenue: second-quarter adjusted EBITDA rose 11% as revenue increased 8%, lifting the margin to a record 48%. HealthEquity also raised its full-year outlook, citing strong execution and technology-enabled efficiency. (HealthEquity, The Motley Fool)
HSA assets grew 14% to $37.9 billion, with invested HSA assets up 28% and accounts holding investments up 20%. The larger asset base and rising participation in higher-yield arrangements helped lift custodial revenue by 10% in the quarter. (HealthEquity, SEC)
The company still faces a class-action lawsuit and regulatory inquiries linked to a cybersecurity incident. HealthEquity says any potential loss cannot currently be estimated, and an adverse outcome could materially affect its finances. (SEC)
Competitive pricing is pressuring service revenue: management described headline price erosion as a headwind and said it must balance fee reductions for clients against cost savings. If savings do not outpace price cuts, margin growth could slow. (The Motley Fool)
Custodial earnings remain exposed to interest rates and contract renewals, while cash balances per HSA have declined over the past two years. Lower cash balances or less favourable yield terms could weigh on revenue even as members move more assets into investments. (Investing.com, SEC)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2026.
HealthEquity Financial Performance
Revenues and expenses
HealthEquity Earnings Performance
Company profitability
Upcoming events
No upcoming events
HealthEquity News
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Funds containing HealthEquity
AllUSDEURGBP
Fund name | Fund size | $HQY weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.29% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.29% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.4B | 0.25% |
SPDR S&P 400 US Mid Cap£SPX4 | $6.4B | 0.25% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.14% |
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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