HQY Stock Chart & Stats
$1670.41
$0.00(0.00%)
At close: 4:00 PM EDT
$1670.41
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$1,670.41 - $2,150.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
$145.69B
Enterprise Value$7.69K
Total Cash (Recent Filing)$265.37M
Total Debt (Recent Filing)$984.68M
Price to Earnings (P/E)37.3
Beta0.07
Next Earnings
Aug 27, 2026EPS Estimate
20.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.70
Shares Outstanding83,602,160
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)3.50
Price to Sales (P/S)5.62
P/FCF Ratio16.21
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$1,961.29Price Target Upside17.41% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering10
EPS Forecast (FY)82.32
Revenue Forecast (FY)$24.68B
Bulls Say, Bears Say
Bulls Say
Free Cash Flow StrengthHealthEquity’s FCF generation is a durable fundamental advantage: TTM free cash flow roughly matches net income and operating cash flow rose materially to ~$490M. Persistent FCF supports buybacks, M&A optionality, and reinvestment without reliance on external financing, enhancing long-term financial flexibility.
HSA Account And Asset GrowthConsistent above-market HSA account and asset growth indicates durable share gains and scale in HealthEquity’s core market. A larger asset base drives custodial and investment fee revenue, increases invested balances, and amplifies network effects of digital engagement, supporting steady revenue and long-run monetization.
Margin Expansion & Operating LeverageExpanding adjusted EBITDA margins reflect sustainable operating leverage from scale, higher-margin custodial revenue, and efficiency gains (including AI-driven service automation). If maintained, these structural margin improvements increase cash conversion and resilience to cost pressures over the next several quarters.
Bears Say
HSA Cash Yield & Placement Timing ExposureA large pool of maturing custodial cash exposes custodial revenue to placement timing and market-rate variability. While hedges cover much of the book, execution risk and yield volatility can materially affect custodial income and reported yields across FY27–FY29, creating structural sensitivity to interest-rate timing.
Portion Of Cost/yield Gains Tied To One-offsSome recent margin and yield improvements stem from transient items (lower fraud reimbursements, atypically low employee claims, a breakage fee). If these factors revert, underlying service costs and custodial yields could normalize lower, reducing the permanence of quarter-to-quarter margin gains.
Marketplace Remains Early And ImmaterialThe marketplace initiative is strategically promising but still nascent and not yet a material revenue contributor. Reliance on its future monetization creates execution risk: investments may take time to scale, and anticipated diversification of fees remains uncertain over the medium term.
Healthequity News
HQY FAQ
What was Healthequity’s price range in the past 12 months?
Healthequity lowest stock price was $1670.41 and its highest was $2150.00 in the past 12 months.
What is Healthequity’s market cap?
Healthequity’s market cap is $145.69B.
When is Healthequity’s upcoming earnings report date?
Healthequity’s upcoming earnings report date is Aug 27, 2026 which is in 19 days.
How were Healthequity’s earnings last quarter?
Healthequity released its earnings results on May 28, 2026. The company reported $21.249 earnings per share for the quarter, beating the consensus estimate of $19.107 by $2.142.
Is Healthequity overvalued?
According to Wall Street analysts Healthequity’s price is currently Undervalued.
Does Healthequity pay dividends?
Healthequity does not currently pay dividends.
What is Healthequity’s EPS estimate?
Healthequity’s EPS estimate is 20.44.
How many shares outstanding does Healthequity have?
Healthequity has 83,602,160 shares outstanding.
What happened to Healthequity’s price movement after its last earnings report?
Healthequity reported an EPS of $21.249 in its last earnings report, beating expectations of $19.107. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of Healthequity?
Currently, no hedge funds are holding shares in MX:HQY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Healthequity Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$1,961.29 (17.41% Upside)
$1,961.29 (17.41% Upside)
Blogger Sentiment
Bullish
MX:HQY Sentiment 100%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
0.27%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-3.22%
Trailing 12-Months
Company Description
Healthequity
Headquartered in Draper, Utah, and established in 2002, HealthEquity, Inc. furnishes technology-powered service platforms to both individual consumers and employers across the United States. The company provides cloud-based solutions designed to assist individuals in overseeing their healthcare expenditures and savings. These platforms enable users to make informed decisions about their health finances, pay medical bills, compare treatment options and costs, access personalized benefits and clinical data, earn incentives for wellness, and grow their savings through various investment avenues, including specific investment choices. In addition to these personal financial management tools, HealthEquity administers a range of health-related accounts, such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs). Its offerings also encompass a mutual fund investment platform, an automated online advisory service known as Advisor, COBRA continuation services, and the management of pre-tax commuter benefits programs. HealthEquity markets its services through a dedicated direct sales team, collaborates with benefits brokers and advisors, and leverages a comprehensive network comprising health plans, benefits administrators, consultants, and retirement plan record-keepers.
HQY Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized solid execution: revenue and gross profit records, margin expansion, strong adjusted EBITDA growth (+17% YoY) and raised guidance, supported by healthy HSA account/asset growth, digital engagement gains, AI-driven service efficiencies, and an expanded $1B share repurchase authorization. Lowlights were mostly timing/one-time items (breakage fee, lower fraud reimbursements), early-stage marketplace revenue (not yet material), exposure in HSA cash maturities and interest-rate timing, and caution that some service-cost improvements may be seasonal or temporary. Overall, the positives around durable account/asset growth, margin expansion, cash generation and strategic initiatives materially outweigh the cautions and one-offs.View all MX:HQY earnings summariesHQY Revenue Breakdown
49.92% Service revenue
32.85% Custodial revenue
17.23% Interchange revenue
HQY Stock 12 Month Forecast
Average Price Target
$1,961.29
▲(17.41% Upside)