Healthcare / Health Information ServicesUpdated 2026-05-10 22:07 UTC

HQY stock hub

HealthEquity, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

7.2B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

HQY

In the news

Latest news · HQY

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E18.3

P25 12.6P50 18.3P75 33.7

Trailing P/E34.5

P25 15P50 23.3P75 38.5

ROE10.2

P25 -106.6P50 -46.9P75 -3.1

ROIC9

P25 -63.1P50 -27.5P75 -0

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All HQY market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

255

Groups with data

Currency

USD

Showing 255 of 255 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001428336
Company name	HealthEquity, Inc.
Country	United States
Country code	US
Cusip	42226A107
Employees	2,814
Employees Change	-306%
Employees Change Percent	-9.81
Enterprise value	$7.8B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Health Information Services
IPO Date	2014-07-31
Isin	US42226A1079
Last refreshed	2026-05-10
Market cap	$7.2B
Market cap category	Mid-Cap
Price	$84.84
Price currency	USD
Rev Per Employee	466,748.05x
Sector	Healthcare
Sic	7389
Symbol	HQY
Website	https://www.healthequity.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	3%
EV Earnings	36.48x
EV Sales Forward	5.51x
EV/EBIT	23.97x
EV/EBITDA	16.28x
EV/FCF	17.25x
EV/Sales	5.98x
FCF yield	6.35%
Forward P/E	18.34x
P/B ratio	3.42x
P/E ratio	34.49x
P/S ratio	5.46x
PE Ratio10 Y	464.65x
PE Ratio3 Y	118.16x
PE Ratio5 Y	866.78x
PEG ratio	1.34x
PS Forward	5.03x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	24.93%
EBITDA Margin	36.71%
FCF margin	34.65%
Gross margin	69.52%
Gross Profit	$913.1M
Gross Profit Growth	17.48%
Gross Profit Growth Q	20.69%
Gross Profit Growth3 Y	22.9%
Gross Profit Growth5 Y	17.06%
Net Income	$215.2M
Net Income Growth	122.54%
Net Income Growth Q	88.66%
Net Income Growth Quarters	5%
Net Income Growth Years	4%
Net Income Growth5 Y	89.38%
Pretax Margin	21.12%
Profit Margin	16.38%
Profit Per Employee	$76,475
Profitable Years	3
ROA	5.99
Roa5y	2.8
ROCE	10.16
ROE	10.19
Roe5y	2.71
ROIC	9
Roic5y	4.37

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	12.85%
Cagr1y	-7.51%
Cagr3y	15.72%
Cagr5y	2.63%
EPS Growth	125.7
EPS Growth Q	92.41
EPS Growth Quarters	4
EPS Growth Years	4
EPS Growth5 Y	83.26
FCF Growth	34.74%
FCF Growth Q	55.91%
FCF Growth3 Y	45.66%
FCF Growth5 Y	21.98%
OCF Growth	34.5%
OCF Growth Q	55.67%
OCF Growth10 Y	32.93%
OCF Growth3 Y	44.77%
OCF Growth5 Y	20.27%
Revenue Growth	9.47x
Revenue Growth Q	7.3x
Revenue Growth Quarters	19x
Revenue Growth Years	13x
Revenue Growth3 Y	15.08x
Revenue Growth5 Y	12.36x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.38
Assets	$3.4B
Cash	$318.9M
Current Assets	$512.3M
Current Liabilities	$156.9M
Debt	$1B
Debt EBITDA	$2.06
Debt Equity	$0.48
Debt FCF	$2.2
Equity	$2.1B
Interest Coverage	5.73
Liabilities	$1.3B
Long Term Assets	$2.9B
Long Term Liabilities	$1.1B
Net Cash	$-682.6M
Net Cash By Market Cap	$-9.52
Net Debt EBITDA	$1.42
Net Debt Equity	$0.32
Net Debt FCF	$1.5
Tangible Book Value	$-638.1M
Tangible Book Value Per Share	$-7.51
WACC	5.18

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.27
Net Working Capital	$46.4M
Quick ratio	2.82
Working Capital	$355.4M
Working Capital Turnover	$3.88

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	1.53%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	234.81%
1Y total return	-7.5%
200-day SMA	89.02
3Y total return	54.96%
50-day SMA	81.54
50-day SMA vs 200-day SMA	50under200
5Y total return	13.83%
All Time High	116.7
All Time High Change	-27.27%
All Time High Date	2025-06-05
All Time Low	15.8
All Time Low Change	436.96%
All Time Low Date	2016-02-05
ATR	2.8
Beta	0.19
Beta1y	0.83
Beta2y	0.94
Ch YTD	-7.39
High	84.99
High52	116.7
High52 Date	2025-06-05
High52ch	-27.27%
Low	82.63
Low52	72.76
Low52 Date	2026-02-17
Low52ch	16.6%
Ma50ch	4.05%
Price vs 200-day SMA	-4.7%
RSI	56.66
RSI Monthly	48.78
RSI Weekly	49.17
Sharpe ratio	-0.15x
Sortino ratio	-0.05
Total Return	1.53%
Tr YTD	-7.39
Tr1m	4.64%
Tr1w	2.96%
Tr3m	6.78%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	14
Analyst Count Top	2
Analyst Price Target Top	$115
Analyst Ratings	Buy
Analyst Ratings Top	Strong Buy
Earnings EPS Estimate	$1.08
Earnings EPS Estimate Growth	11.34
Earnings Revenue Estimate	352,622,792x
Earnings Revenue Estimate Growth	6.6x
Operating Income	$327.5M
Operating Income Growth	61.42
Operating Income Growth Q	63.32
Operating Income Growth3 Y	105.6
Operating Income Growth5 Y	32.56
Operating margin	24.93
Price target	$115
Price Target Change	$35.55
Price Target Change Top	$35.55

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	82,812,792%
Float Percent	98.03%
Net Borrowing	-100,000,000
Shares Insiders	1.94%
Shares Institutions	107.92%
Shares Out	84,478,406
Shares Qo Q	-0.78%
Shares Yo Y	-1.53%
Short Float	4.97%
Short Ratio	3.94
Short Shares	4.87

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$382.1M
Average Volume	884,704.65x
Bv Per Share	24.79
CAPEX	$-2M
Ch10y	234.8
Ch1m	4.64
Ch1w	2.96
Ch1y	-7.5
Ch3m	6.78
Ch3y	54.96
Ch5y	13.83
Ch6m	-9.47
Change	1.01%
Change From Open	1.45
Close	83.99
Days Gap	-0.43
Depreciation Amortization	154,657,000
Dollar Volume	56,936,208.8
Earnings Date	2026-05-28
Earnings Time	amc
EBIT	$327.5M
EBITDA	$482.1M
EPS	$2.46
F Score	8
FCF	$455.1M
FCF EV Yield	5.8x
FCF Per Share	$5.39
Financing CF	-386,975,000
Fiscal Year End	January
Founded	2,002
Goodwill	1,648,145,000
Graham Number	37.0411
Graham Upside	-56.34
Income Tax	$62.2M
Investing CF	-47,140,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-03-17
Last Report Date	2026-01-31
Last Split Type	Never
Last10k Filing Date	2026-03-17
Lynch Fair Value	$61.5
Lynch Upside	-27.51
Ma150	87.9
Ma150ch	-3.48%
Ma20	82.84
Ma20ch	2.42%
Net CF	22,979,000
Next Earnings Date	2026-05-28
Open	83.63
Optionable	Yes
P FCF Ratio	15.75
P OCF Ratio	15.68
Position In Range	93.64
Ppne	39,487,000
Price Date	2026-05-08
Price EBITDA	$14.87
Relative Volume	0.76x
Revenue	1,313,429,000x
SBC By Revenue	5.56x
Share Based Comp	73,063,000
Tax By Revenue	4.74x
Tax Rate	22.43%
Tr6m	-9.47%
Us State	Utah
Volume	671,101
Z Score	4.8

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does HQY pay a dividend?

Capital-return profile for this ticker.

Performance

HQY stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns HQY?

Insider, institutional, and short-interest positioning.

Institutional ownership

+107.9%

Float: +98.0% of shares outstanding

Insider ownership

+1.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

HQY momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

56.7

Neutral momentum band

Price vs 200-day MA

-4.7%

50/200-day relationship not available

Beta (5Y)

0.19

Less volatile than the market

Sharpe ratio

-0.15

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About HQY

Hub-level FAQ points readers to the deeper analysis pages.

What is the current HQY stock rating?

HealthEquity, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full HQY analysis?

The full report lives at /stocks/HQY/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for HQY?

The latest report frames HQY around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the HQY page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.