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HealthEquity
HQY.US
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It provides health savings accounts; investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. The company also offers flexible spending accounts for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs.
449.05 B
HQY.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
B
Managed Health CareIndustry
Industry Ranking4/9
Industry medianB
Industry averageB
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreB
    • ROE9.01%B
    • Profit Margin14.86%A
    • Gross Margin70.79%A
  • Growth ScoreB
    • Revenue YoY12.20%B
    • Net Profit YoY98.37%A
    • Total Assets YoY-2.59%D
    • Net Assets YoY0.44%C
  • Cash ScoreB
    • Cash Flow Margin672.83%C
    • OCF YoY12.20%B
  • Operating ScoreC
    • Turnover0.37C
  • Debt ScoreB
    • Gearing Ratio37.20%B

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    HealthEquity (HQY) Margins Strengthen, Reinforcing Bullish Profitability Narrative Despite Slower Revenue Trajectory

    HealthEquity (HQY) reported Q3 2026 revenue of $322 million and EPS of $0.60. Despite slower revenue growth of 7.7% annually, net income nearly doubled to $191.8 million, driven by a net margin increase to 14.9%. Analysts expect margins to rise further, supported by regulatory changes and digital efficiencies. The stock trades at a high P/E of 42.6x, indicating expectations of continued strong earnings growth. However, any slowdown in earnings growth could challenge this valuation.

    Simplywall·
    US
    HQY
    -3.01%
    Simplywall·
    US
    HQY
    -3.01%

    HealthEquity’s Strong Q3 Performance and Raised Guidance Justify Buy Rating with Significant Upside Potential

    Barrington's Alexander Paris reiterated a Buy rating on HealthEquity with a $125 price target, citing strong Q3 performance, increased revenue, and raised full-year guidance. HealthEquity's shares are trading at attractive multiples, indicating significant upside potential. Bank of America Securities also reiterated a Buy rating with the same price target.

    Tip Ranks·
    US
    HQY
    -3.01%
    Tip Ranks·
    US
    HQY
    -3.01%

    HSA administrator HealthEquity's Q3 revenue just beats estimates on asset growth

    HealthEquity's Q3 revenue rose 7% year-over-year, slightly beating analyst expectations. Adjusted EPS exceeded consensus, while net income fell short. The company returned $93.7 million to shareholders through stock repurchases. HealthEquity forecasts fiscal year revenue between $1.302 billion and $1.312 billion, net income of $197 million to $205 million, and Adjusted EBITDA of $555 million to $565 million. Total HSA assets grew 15% to $34.4 billion, driving revenue increase. Analysts rate the stock as a "buy" with a median price target of $122.50.

    Reuters·
    US
    HQY
    -3.01%
    Reuters·
    US
    HQY
    -3.01%

    HealthEquity | 10-Q: FY2026 Q3 Revenue Beats Estimate at USD 322.16 M

    LB filings·
    US
    HQY
    -3.01%
    LB filings·
    US
    HQY
    -3.01%

    HealthEquity Inc. Q3 net income per diluted share rose nearly tenfold to USD 0.59

    HealthEquity Inc.'s Q3 2025 financial results show a 7% revenue increase to USD 322.2 million and a nearly tenfold rise in net income per diluted share to USD 0.59. Non-GAAP net income per share increased 29% to USD 1.01. Total HSA assets grew 15% to USD 34.4 billion. The company repurchased USD 93.7 million in stock, with net income at USD 51.7 million and non-GAAP net income at USD 87.7 million.

    Reuters·
    US
    HQY
    -3.01%
    Reuters·
    US
    HQY
    -3.01%
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