HealthEquity Inc (HQY)
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Appears in These Scanners
This stock currently matches 3 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 100.60 $ — 85% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 15.1% passed
- More than 10% revenue growth is expected for the coming year 7.9% failed
- Share count grows by less than 3% a year 1.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 44.1% passed
- Gross margin at 40% or higher and without meaningful erosion 69.5% passed
- Goodwill from acquisitions does not grow faster than revenue 48.0% passed
- Net debt below twice EBITDA 1.4 x EBITDA passed
- Operating cash flow covers the profits of the last three years 672 m passed
- Return on capital at 15% or higher, or up versus two years ago 9.9% passed
- Insiders hold at least 10% or are net buyers 2.2% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 17.8% above the current price.
- Consensus
- Strong Sell
- Analyst Ratings
- 14
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 01/31/2027 | 4.72 | 4.66 – 4.83 | 1,415 | 18.0% | 14 |
| 01/31/2028 | 5.45 | 5.15 – 5.92 | 1,525 | 15.4% | 14 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.99 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2025: Q1 | 0.30 | -1.30 | 312 | 18.80 | 8.50 | 76 | 62 |
| 2025: Q2 | 0.61 | 86.90 | 331 | 15.00 | 16.30 | 65 | 49 |
| 2025: Q3 | 0.68 | 68.80 | 326 | 8.60 | 18.40 | 136 | 151 |
| 2025: Q4 | 0.59 | 823.70 | 322 | 7.20 | 16.00 | 139 | 138 |
| 2026: Q1 | 0.57 | 91.10 | 335 | 7.30 | 14.90 | 118 | 102 |
| 2026: Q2 | 0.82 | 33.90 | 355 | 7.20 | 19.60 | 98 | 97 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2017 | 178 | 41 | 26 | 0.44 | 46 | 262 | 279 |
| 2018 | 230 | 54 | 47 | 0.77 | 82 | 346 | 369 |
| 2019 | 287 | 78 | 74 | 1.17 | 113 | 477 | 510 |
| 2020 | 532 | 109 | 40 | 0.58 | 106 | 1,030 | 2,565 |
| 2021 | 734 | 80 | 9 | 0.12 | 182 | 1,379 | 2,710 |
| 2022 | 757 | 41 | -44 | -0.53 | 141 | 1,853 | 3,107 |
| 2023 | 862 | 38 | -26 | -0.31 | 151 | 1,896 | 3,089 |
| 2024 | 1,000 | 128 | 56 | 0.64 | 243 | 2,035 | 3,164 |
| 2025 | 1,200 | 230 | 97 | 1.09 | 340 | 2,115 | 3,449 |
| 2026 | 1,313 | 322 | 215 | 2.46 | 457 | 2,107 | 3,432 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
HealthEquity, Inc. bietet technologiegestützte Service-Plattformen für Verbraucher und Arbeitgeber in den USA.
| Employees | 2,814 |
|---|---|
| Headquarters | Draper, UT |
| Address | 15 West Scenic Pointe Drive, 84020 Draper, United States |
| Phone | 801 727 1000 |
| Website | healthequity.com |
| IPO Date | 31. Jul 2014 |
| ISIN | US42226A1079 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Scott R. Cutler J.D. | CEO, President & Director | 1970 |
| Stephen D. Neeleman M.D. | Founder & Vice Chairman | 1968 |
| James M. Lucania | CFO & Executive VP | 1979 |
| Delano Ladd J.D. | Executive VP, General Counsel & Secretary | 1981 |
| Michael Fiore | Executive VP & Chief Commercial Officer | 1975 |
| Richard Putnam | Vice President of Investor Relations | – |
| Stacey Ullrich | Senior Vice President of Corporate Communications | – |
| Steve Lindsay | Executive Vice President of Sales & Relationship Management | – |
| Brad Bennion | Executive Vice President of Corporate Development & Strategy | – |
| Mukund Ramachandran | Chief Marketing Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 10. Jul 2026 | Fiore Michael Henry | EVP, CHIEF COMMERCIAL OFFICER | Sell | 2,354 | 95.00 | 223,630 |
| 9. Jul 2026 | Gathright Michael | Chief Customer Officer | Other | 2,270 | 93.07 | 211,260 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.