Price
No data yet.
Social Signal Score
Analyst Ratings
27 analystsRevenue
$350.73M+708.92%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Scott R. Cutler
- Sector
- Healthcare
- Industry
- Medical - Healthcare Information Services
- Employees
- 2,814
- Beta
- 0.24
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 4.51
Financials
Revenue
$350.73M+708.9%Net Income
$65.64M+992.6%EBITDA
$142.43M+1043.1%Free Cash Flow
$135.18M+1107.3%EPS (diluted)
$0.78+680.0%Shares Outstanding (diluted)
84.01M+39.9%Operating Expenses
$132.01MCash & Debt
$256.00MReturn of Capital
$107.74MRevenue by Segment (annual)
$1.31BQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2026 | $1.31B | $215.20M | $2.50 |
| 2025 | $1.20B | $96.70M | $1.11 |
| 2024 | $999.59M | $55.71M | $0.65 |
| 2023 | $861.75M | $-26.14M | $-0.31 |
| 2022 | $756.56M | $-44.29M | $-0.53 |
| 2021 | $733.57M | $8.83M | $0.12 |
| 2020 | $531.99M | $39.66M | $0.59 |
| 2019 | $287.24M | $73.90M | $1.20 |
| 2018 | $229.53M | $47.36M | $0.79 |
| 2017 | $178.37M | $26.38M | $0.45 |
| 2016 | $126.79M | $16.61M | $0.29 |
| 2015 | $87.86M | $10.17M | $0.39 |
| 2014 | $62.02M | $1.23M | $-1.26 |
| 2013 | $46.09M | $11.17M | $0.51 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from HQY's reported EPS growth of 13.0% a year over 13 years.
- EPS in 5 years
- $4.60
- Implied price
- $156.51
- Return from $91.05
- 11.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $77.81 — -14.5% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 24 | 29 | 34 | 39 | 44 |
|---|---|---|---|---|---|
| 3.0% | -5.3% | -1.6% | 1.6% | 4.4% | 7.0% |
| 8.0% | -0.7% | 3.2% | 6.5% | 9.5% | 12.1% |
| 13.0% | 3.9% | 8.0% | 11.4% | 14.5% | 17.3% |
| 18.0% | 8.5% | 12.7% | 16.4% | 19.6% | 22.5% |
| 23.0% | 13.1% | 17.5% | 21.3% | 24.7% | 27.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+40.00%Social Signal Score
Mentions (19)
- Newszacks.com·1d ago·Positive
Reasons to Hold HealthEquity Stock in Your Portfolio for Now HQY's strong HSA growth, AI-driven efficiencies and raised fiscal 2027 outlook support momentum, though cybersecurity risks remain a concern.
View source ↗ - News (RSS)seekingalpha·5d ago·Positive
HealthEquity: AI Cash Fears Create A 'Buy' Opportunity
View source ↗ - Newsseekingalpha.com·6d ago·Neutral
…Opportunity HealthEquity stands out as a beneficiary of durable HSA growth and higher-for-longer interest rates, with AI-driven cash-sorting risks seen as overblown. HQY's earnings are poised for material upside as fixed-rate contracts mature, with incremental net interest income tailwinds and strong account growth supporting double-digit EPS growth. Recent financials highlight robust EBITDA margin expansion, conservative leverage near 1x, and active share repurchases, reducing share count by 4%…
View source ↗ - Newszacks.com·14d ago·Positive
Here's Why HealthEquity (HQY) is a Strong Growth Stock Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
View source ↗ - Newszacks.com·34d ago·Neutral
Reasons to Hold HealthEquity Stock in Your Portfolio for Now HQY's growth is driven by rising HSA assets and AI-led efficiencies, while cybersecurity risks remain a key concern.
View source ↗ - Newszacks.com·36d ago·Positive
HQY Up 15.7% in 3 Months as HSA Growth Builds: Can the Rally Continue? HealthEquity's 15.7% three-month rally is backed by rising HSA scale, stronger margins and higher guidance, though key risks remain.
View source ↗ - Newszacks.com·36d ago·Positive
Here's Why HealthEquity (HQY) is a Strong Growth Stock Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
View source ↗ - News (RSS)yahoo·37d ago·Neutral
HealthEquity’s (HQY) Health Savings Engine Hits A New Gear
View source ↗ - News (RSS)fool·37d ago·Positive
HealthEquity (HQY) Q2 2027 Earnings Call Transcript Record profitability and accelerated invested asset growth signal durability.
View source ↗ - Newsfool.com·39d ago·Positive
Why HealthEquity Stock Sank This Week HealthEquity posted significant sales and earnings beats with its fiscal Q2 report. The company issued a small increase for its full-year guidance, but management kept its forecast for adjusted earnings per share the same.
View source ↗ - Newsdefenseworld.net·40d ago·Neutral
HealthEquity Q2 Earnings Call Highlights HealthEquity (NASDAQ: HQY) reported accelerated revenue growth and record profitability in its fiscal 2027 second quarter, citing HSA account expansion, higher member engagement and technology-driven service efficiencies. The company raised its full-year outlook after generating record adjusted EBITDA margin of 48%. "Q1 demonstrated that the model is scaling, and Q2 showed that the model is becoming
View source ↗ - News (RSS)seekingalpha·41d ago·Positive
HealthEquity, Inc. (HQY) Q2 2027 Earnings Call Transcript
View source ↗ - Newsseekingalpha.com·42d ago·Positive
HealthEquity, Inc. (HQY) Q2 2027 Earnings Call Transcript HealthEquity, Inc. (HQY) Q2 2027 Earnings Call Transcript
View source ↗ - News (RSS)seekingalpha·42d ago·Positive
HealthEquity beats top-line and bottom-line estimates; raises FY2026 outlook
View source ↗ - Newsmarketbeat.com·42d ago·Neutral
HealthEquity Q2 Earnings Call Highlights HealthEquity NASDAQ: HQY reported accelerated revenue growth and record profitability in its fiscal 2027 second quarter, citing HSA account expansion, higher member engagement and technology-driven service efficiencies. The company raised its full-year outlook after generating record adjusted EBITDA margin of 48%.
View source ↗ - Newszacks.com·42d ago·Neutral
HealthEquity (HQY) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for HealthEquity (HQY) give a sense of how the business performed in the quarter ended July 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
View source ↗ - Newszacks.com·42d ago·Positive
HealthEquity (HQY) Q2 Earnings and Revenues Top Estimates HealthEquity (HQY) came out with quarterly earnings of $1.24 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.08 per share a year ago.
View source ↗ - Newsglobenewswire.com·42d ago·Neutral
HealthEquity Reports Second Quarter Ended July 31, 2026 Financial Results Highlights of the second quarter include: Net income increased 10% to $65.6 million, and net income margin increased to 19% from 18% last year. Adjusted EBITDA increased 11% to $167.0 million, and Adjusted EBITDA margin increased to 48% from 46% last year.
View source ↗ - Newszacks.com·45d ago·Neutral
Ahead of HealthEquity (HQY) Q2 Earnings: Get Ready With Wall Street Estimates for Key Metrics Beyond analysts' top-and-bottom-line estimates for HealthEquity (HQY), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended July 2026.
View source ↗
Earnings
Wed, Dec 2(in 8 weeks)
Consensus estimate $1.16 per share
Typical surprise +10.7% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Aug 27$1.24 vs $1.19beat
- Thu, May 28$1.24 vs $1.11beat
- Tue, Mar 17$0.95 vs $0.89beat
- Wed, Dec 3$1.01 vs $0.91beat
- Tue, Sep 2$1.08 vs $0.91beat
- Tue, Jun 3$0.97 vs $0.81beat
Estimates and results for HQY via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by HQY officers and directors.
- Bought
- —
- Sold
- $14.5m
0 trades
21 trades
- Dillon Adrian Tsold
- Dillon Adrian Tsold
- Fiore Michael Henrysold
- Fiore Michael Henrysold
- Fiore Michael Henrysold
- Wellborn Gayle Furgursonsold
- Ladd Delanosold
- Ladd Delanosold
79 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Gilbert Ray Cisneroshouse · CA31 · disclosed Sep 7, 2026 (59d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jul 3, 2026 (3d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jun 9, 2026 (11d later)Buy$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (57d later)Sell$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (63d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jul 11, 2025 (25d later)Sell$1,001 - $15,000
- Robert P. Bresnahanhouse · PA08 · disclosed Feb 14, 2025 (32d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Dec 6, 2024 (29d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jul 9, 2024 (18d later)Sell$1,001 - $15,000
- Blake D. Moorehouse · UT01 · disclosed Jan 24, 2024 (5d later)Sell$1,001 - $15,000
- Daniel Goldmanhouse · NY10 · disclosed May 19, 2023 (39d later)Sell$15,001 - $50,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Feb 18, 2022 (39d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jan 10, 2022 (32d later)Sell$1,001 - $15,000
- Blake D. Moorehouse · UT01 · disclosed Jul 17, 2021 (67d later)Buy$1,001 - $15,000
- Blake D. Moorehouse · UT01 · disclosed Jul 17, 2021 (66d later)Buy$1,001 - $15,000
- Blake D. Moorehouse · UT01 · disclosed Jul 17, 2021 (113d later)Buy$1,001 - $15,000
- Blake D. Moorehouse · UT01 · disclosed Jul 17, 2021 (78d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Aug 19, 2020 (33d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Aug 10, 2020 (32d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed May 13, 2020 (36d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.