HealthEquity, Inc. HQY

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Price alert · HQY

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102.47 USD +1.11 +1.10%

At close · Oct 30

102.47 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
102.45 × 2
Ask
102.48 × 2
100.90 Day range 103.00
73.21 52-week range 106.79
YTD
+11.85%
1 year
+10.24%
Open
101.86
Prev close
101.36
Mkt cap
8.48B
Vol
717.22K
Avg vol
834.44K
EPS
2.77
P/E
36.99
Div yield
0.00%
More statistics
Low
100.90
High
103.00
Forward P/E
18.57
Beta
0.24
Short ratio
6.60
Inst. own
110.85%
Dividend
0.00
Ex-div date
Earnings
Dec 2, 2026
50-d avg
95.41
200-d avg
88.93
1y target
120.67

5D chart

Chart tools
Interval

Signals (110)
NameTimeAgo
SMA: BullishOct 29, 9:30 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BearishOct 28, 3:55 PM3 days ago
MACD: Buy SignalOct 28, 3:45 PM3 days ago
SMA: BearishOct 28, 3:05 PM3 days ago
SMA: BearishOct 28, 3:05 PM3 days ago
SMA: BullishOct 28, 3:00 PM3 days ago
SMA: BullishOct 28, 3:00 PM3 days ago
SMA: BearishOct 28, 2:50 PM3 days ago
SMA: BullishOct 28, 2:40 PM3 days ago
SMA: BearishOct 28, 2:35 PM3 days ago
MACD: Sell SignalOct 28, 2:35 PM3 days ago
SMA: BearishOct 28, 2:25 PM3 days ago
SMA: BullishOct 28, 1:10 PM3 days ago
SMA: BullishOct 28, 1:10 PM3 days ago
SMA: BearishOct 28, 1:05 PM3 days ago
SMA: BullishOct 28, 12:40 PM3 days ago
SMA: BearishOct 28, 12:35 PM3 days ago
SMA: BullishOct 28, 12:30 PM3 days ago
MACD: Buy SignalOct 28, 12:30 PM3 days ago
SMA: BearishOct 28, 11:45 AM3 days ago
SMA: BullishOct 28, 11:40 AM3 days ago
SMA: BearishOct 28, 10:45 AM3 days ago
MACD: Sell SignalOct 28, 10:45 AM3 days ago
SMA: BearishOct 28, 10:40 AM3 days ago
SMA: BullishOct 28, 10:35 AM3 days ago
SMA: BearishOct 28, 10:25 AM3 days ago
SMA: BullishOct 28, 9:40 AM3 days ago
SMA: BearishOct 28, 9:35 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
MACD: Buy SignalOct 28, 9:30 AM3 days ago
RSI: OversoldOct 27, 3:30 PM4 days ago
RSI: OversoldOct 27, 3:05 PM4 days ago
SMA: BearishOct 27, 2:25 PM4 days ago
SMA: BullishOct 27, 2:20 PM4 days ago
MACD: Sell SignalOct 27, 1:50 PM4 days ago
SMA: BearishOct 27, 1:35 PM4 days ago
SMA: BearishOct 27, 1:35 PM4 days ago
MACD: Buy SignalOct 27, 1:05 PM4 days ago
SMA: BullishOct 27, 1:00 PM4 days ago
SMA: BullishOct 27, 1:00 PM4 days ago
MACD: Sell SignalOct 27, 12:30 PM4 days ago
SMA: BearishOct 27, 12:25 PM4 days ago
SMA: BearishOct 27, 12:25 PM4 days ago
SMA: BullishOct 27, 12:05 PM4 days ago
SMA: BullishOct 27, 12:05 PM4 days ago
SMA: BearishOct 27, 12:00 PM4 days ago
SMA: BearishOct 27, 12:00 PM4 days ago
SMA: BullishOct 27, 11:55 AM4 days ago
SMA: BullishOct 27, 11:55 AM4 days ago
SMA: BearishOct 27, 11:35 AM4 days ago
SMA: BearishOct 27, 11:30 AM4 days ago
SMA: BullishOct 27, 11:25 AM4 days ago
MACD: Buy SignalOct 27, 10:55 AM4 days ago
SMA: BullishOct 27, 10:50 AM4 days ago
RSI: OversoldOct 27, 10:20 AM4 days ago
RSI: OversoldOct 27, 9:45 AM4 days ago
MACD: Sell SignalOct 27, 9:35 AM4 days ago
SMA: BearishOct 27, 9:30 AM4 days ago
SMA: BearishOct 27, 9:30 AM4 days ago
SMA: BullishOct 26, 3:25 PM5 days ago
MACD: Buy SignalOct 26, 3:25 PM5 days ago
SMA: BearishOct 26, 3:20 PM5 days ago
MACD: Sell SignalOct 26, 3:20 PM5 days ago
MACD: Buy SignalOct 26, 3:15 PM5 days ago
SMA: BullishOct 26, 3:05 PM5 days ago
SMA: BullishOct 26, 3:05 PM5 days ago
MACD: Sell SignalOct 26, 2:50 PM5 days ago
SMA: BearishOct 26, 2:45 PM5 days ago
SMA: BearishOct 26, 2:30 PM5 days ago
SMA: BullishOct 26, 1:45 PM5 days ago
SMA: BullishOct 26, 1:45 PM5 days ago
SMA: BearishOct 26, 1:40 PM5 days ago
SMA: BearishOct 26, 1:35 PM5 days ago
SMA: BullishOct 26, 1:20 PM5 days ago
SMA: BullishOct 26, 1:15 PM5 days ago
SMA: BearishOct 26, 1:00 PM5 days ago
MACD: Buy SignalOct 26, 12:40 PM5 days ago
SMA: BullishOct 26, 12:35 PM5 days ago
SMA: BearishOct 26, 12:30 PM5 days ago
SMA: BullishOct 26, 12:25 PM5 days ago
RSI: OversoldOct 26, 12:15 PM5 days ago
SMA: BearishOct 26, 11:00 AM5 days ago
MACD: Sell SignalOct 26, 10:40 AM5 days ago
SMA: BearishOct 26, 10:35 AM5 days ago
RSI: OverboughtOct 26, 10:00 AM5 days ago
RSI: OverboughtOct 26, 9:30 AM5 days ago
SMA: BullishOct 23, 3:35 PM1 week ago
MACD: Buy SignalOct 23, 3:25 PM1 week ago
SMA: BullishOct 23, 3:05 PM1 week ago
SMA: BearishOct 23, 2:25 PM1 week ago
SMA: BearishOct 23, 2:15 PM1 week ago
MACD: Sell SignalOct 23, 2:15 PM1 week ago
MACD: Buy SignalOct 23, 1:30 PM1 week ago
SMA: BullishOct 23, 1:15 PM1 week ago
SMA: BullishOct 23, 1:10 PM1 week ago
SMA: BearishOct 23, 1:05 PM1 week ago
SMA: BullishOct 23, 1:00 PM1 week ago
SMA: BearishOct 23, 12:40 PM1 week ago
SMA: BullishOct 23, 12:30 PM1 week ago
SMA: BearishOct 23, 12:25 PM1 week ago
SMA: BearishOct 23, 12:15 PM1 week ago
SMA: BullishOct 23, 12:10 PM1 week ago
SMA: BearishOct 23, 12:05 PM1 week ago
SMA: BullishOct 23, 11:55 AM1 week ago
SMA: BearishOct 23, 11:40 AM1 week ago
SMA: BullishOct 23, 11:30 AM1 week ago
RSI: OverboughtOct 23, 11:30 AM1 week ago
SMA: BearishOct 23, 11:25 AM1 week ago

Financial health

Altman Z-Score

4.91 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 2
  • P/B 2

Valuation

P/E 34.3×
FY 2017: 103×FY 2018: 64.1×FY 2019: 52.0×FY 2020: 112×FY 2021: 699×FY 2022: -101×FY 2023: -196×FY 2024: 116×FY 2025: 99.5×FY 2026: 34.3×
FY 2017 5y median 34.3× FY 2026
P/S 5.6×
FY 2017: 15.2×FY 2018: 13.3×FY 2019: 13.4×FY 2020: 8.3×FY 2021: 8.5×FY 2022: 5.9×FY 2023: 6.0×FY 2024: 6.5×FY 2025: 8.0×FY 2026: 5.6×
FY 2017 5y median 6.0× FY 2026
P/B 3.5×
FY 2017: 10.3×FY 2018: 8.8×FY 2019: 8.1×FY 2020: 4.3×FY 2021: 4.5×FY 2022: 2.4×FY 2023: 2.7×FY 2024: 3.2×FY 2025: 4.5×FY 2026: 3.5×
FY 2017 5y median 3.2× FY 2026
P/FCF 16.2×
FY 2017: 82.4×FY 2018: 63.2×FY 2019: 39.2×FY 2020: 69.4×FY 2021: 73.5×FY 2022: 1135×FY 2023: 163×FY 2024: 32.9×FY 2025: 28.4×FY 2026: 16.2×
FY 2017 5y median 32.9× FY 2026
EV/EBITDA 16.5×
FY 2017: 47.3×FY 2018: 41.9×FY 2019: 37.2×FY 2020: 44.9×FY 2021: 45.0×FY 2022: 50.7×FY 2023: 34.3×FY 2024: 24.8×FY 2025: 30.8×FY 2026: 16.5×
FY 2017 5y median 30.8× FY 2026
EV/Sales 6.1×
FY 2017: 14.4×FY 2018: 12.4×FY 2019: 12.2×FY 2020: 10.4×FY 2021: 9.5×FY 2022: 6.9×FY 2023: 6.8×FY 2024: 7.0×FY 2025: 8.7×FY 2026: 6.1×
FY 2017 5y median 6.9× FY 2026
FCF Yield 6.2%
FY 2017: 1.2%FY 2018: 1.6%FY 2019: 2.6%FY 2020: 1.4%FY 2021: 1.4%FY 2022: 0.1%FY 2023: 0.6%FY 2024: 3.0%FY 2025: 3.5%FY 2026: 6.2%
FY 2017 5y median 3.0% FY 2026

Profitability

Gross Margin 69.5%
FY 2017: 57.2%FY 2018: 56.7%FY 2019: 61.0%FY 2020: 54.7%FY 2021: 46.2%FY 2022: 45.1%FY 2023: 45.9%FY 2024: 53.0%FY 2025: 57.7%FY 2026: 69.5%
FY 2017 5y median 53.0% FY 2026
Operating Margin 24.6%
FY 2017: 23.1%FY 2018: 23.7%FY 2019: 27.0%FY 2020: 20.5%FY 2021: 10.9%FY 2022: 5.4%FY 2023: 4.4%FY 2024: 12.8%FY 2025: 19.2%FY 2026: 24.6%
FY 2017 5y median 12.8% FY 2026
Net Margin 16.4%
FY 2017: 14.8%FY 2018: 20.6%FY 2019: 25.7%FY 2020: 7.5%FY 2021: 1.2%FY 2022: -5.9%FY 2023: -3.0%FY 2024: 5.6%FY 2025: 8.1%FY 2026: 16.4%
FY 2017 5y median 5.6% FY 2026
ROE 10.2%
FY 2017: 10.1%FY 2018: 13.7%FY 2019: 15.5%FY 2020: 3.8%FY 2021: 0.6%FY 2022: -2.4%FY 2023: -1.4%FY 2024: 2.7%FY 2025: 4.6%FY 2026: 10.2%
FY 2017 5y median 2.7% FY 2026
ROIC 7.6%
FY 2017: 10.3%FY 2018: 14.2%FY 2019: 15.7%FY 2020: 4.1%FY 2021: 3.1%FY 2022: 0.9%FY 2023: 0.9%FY 2024: 3.1%FY 2025: 5.8%FY 2026: 7.6%
FY 2017 5y median 3.1% FY 2026
ROA 6.3%
FY 2017: 9.4%FY 2018: 12.8%FY 2019: 14.5%FY 2020: 1.5%FY 2021: 0.3%FY 2022: -1.4%FY 2023: -0.8%FY 2024: 1.8%FY 2025: 2.8%FY 2026: 6.3%
FY 2017 5y median 1.8% FY 2026

Growth (YoY)

Revenue 9.5%
FY 2017: 40.7%FY 2018: 28.7%FY 2019: 25.1%FY 2020: 85.2%FY 2021: 37.9%FY 2022: 3.1%FY 2023: 13.9%FY 2024: 16.0%FY 2025: 20.0%FY 2026: 9.5%
FY 2017 FY 2026
Operating Income 40.2%
FY 2017: 57.6%FY 2018: 32.0%FY 2019: 42.7%FY 2020: 40.5%FY 2021: -26.7%FY 2022: -49.3%FY 2023: -7.2%FY 2024: 240.3%FY 2025: 79.6%FY 2026: 40.2%
FY 2017 FY 2026
EPS (diluted) 125.7%
FY 2017: 57.1%FY 2018: 75.0%FY 2019: 51.9%FY 2020: -50.4%FY 2021: -79.3%FY 2022: -541.7%FY 2023: 41.5%FY 2024: 306.5%FY 2025: 70.3%FY 2026: 125.7%
FY 2017 FY 2026
Free Cash Flow 34.7%
FY 2017: 241.8%FY 2018: 46.8%FY 2019: 103.6%FY 2020: -35.2%FY 2021: 32.7%FY 2022: -95.4%FY 2023: 705.4%FY 2024: 524.2%FY 2025: 71.7%FY 2026: 34.7%
FY 2017 FY 2026

Financial Health

Current Ratio 3.3×
FY 2017: 12.8×FY 2018: 13.0×FY 2019: 13.6×FY 2020: 2.0×FY 2021: 2.2×FY 2022: 2.3×FY 2023: 2.9×FY 2024: 4.8×FY 2025: 3.1×FY 2026: 3.3×
FY 2017 5y median 3.1× FY 2026
Quick Ratio 3.3×
FY 2017: 12.8×FY 2018: 12.9×FY 2019: 13.6×FY 2020: 2.0×FY 2021: 2.2×FY 2022: 2.3×FY 2023: 2.9×FY 2024: 4.8×FY 2025: 3.1×FY 2026: 3.3×
FY 2017 5y median 3.1× FY 2026
Debt / Equity 0.5×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 1.3×FY 2021: 0.8×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.5×FY 2026: 0.5×
FY 2017 5y median 0.5× FY 2026
Net Debt / EBITDA 1.4×
FY 2017: -2.6×FY 2018: -2.9×FY 2019: -3.8×FY 2020: 9.0×FY 2021: 4.8×FY 2022: 7.6×FY 2023: 4.3×FY 2024: 1.9×FY 2025: 2.4×FY 2026: 1.4×
FY 2017 5y median 2.4× FY 2026
Interest Coverage 5.6×
FY 2017: 0.0×FY 2018: 199×FY 2019: 0.0×FY 2020: 4.4×FY 2021: 2.3×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 2.3×FY 2025: 3.8×FY 2026: 5.6×
FY 2017 5y median 2.3× FY 2026

Dividends

Dividend Yield 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026
Payout Ratio 0.0%
FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%FY 2026: 0.0%
FY 2017 5y median 0.0% FY 2026

Annual · latest fiscal year ends 2026-01-31