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healthequity inc - HQY

HQY

Close Chg Chg %
92.45 1.03 1.11%

Closed Market

93.48

+1.03 (1.11%)

Volume: 490.48K

Last Updated:

Dec 26, 2025, 4:00 PM EDT

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Company Overview: healthequity inc - HQY

HQY Key Data

Open

$92.30

 Day Range

91.81 - 93.70

52 Week Range

74.14 - 116.65

 Market Cap

$7.90B

Shares Outstanding

85.44M

 Public Float

83.51M

Beta

0.18

 Rev. Per Employee

N/A

P/E Ratio

42.37

 EPS

$2.22

Yield

0.00%

 Dividend

N/A

EX-DIVIDEND DATE

SHORT INTEREST

N/A

AVERAGE VOLUME

921.87K

  

HQY Performance

1 Week
 
 -2.12%
 
1 Month
 
 -11.12%
 
3 Months
 
 -3.16%
 
1 Year
 
 -2.93%
 
5 Years
 
 36.81%
 

HQY Analyst Ratings

  • Sell
  • Under
  • Hold
  • Over
  • Buy
Number of Ratings 16
Full Ratings ➔

About healthequity inc - HQY

HealthEquity, Inc. engages in the provision of technology-enabled services for healthcare and spending decisions. The company was founded by Stephen D. Neeleman on September 18, 2002 and is headquartered in Draper, UT.

HQY At a Glance

HealthEquity, Inc.
15 West Scenic Pointe Drive
Draper, Utah 84020
Phone 1-801-727-1000 Revenue 1.20B
Industry Investment Managers Net Income 96.70M
Sector Finance 2025 Sales Growth 20.027%
Fiscal Year-end 01 / 2026 Employees 3,120
View SEC Filings

HQY Valuation

P/E Current 42.369
P/E Ratio (with extraordinary items) N/A
P/E Ratio (without extraordinary items) 101.433
Price to Sales Ratio 8.175
Price to Book Ratio 4.518
Price to Cash Flow Ratio 28.86
Enterprise Value to EBITDA 27.058
Enterprise Value to Sales 8.852
Total Debt to Enterprise Value 0.104

HQY Efficiency

Revenue/Employee 384,542.949
Income Per Employee 30,994.551
Receivables Turnover 10.167
Total Asset Turnover 0.354

HQY Liquidity

Current Ratio 3.056
Quick Ratio 3.056
Cash Ratio 1.893

HQY Profitability

Gross Margin 57.726
Operating Margin 19.176
Pretax Margin 9.671
Net Margin 8.06
Return on Assets 2.852
Return on Equity 4.66
Return on Total Capital 3.00
Return on Invested Capital 3.134

HQY Capital Structure

Total Debt to Total Equity 52.415
Total Debt to Total Capital 34.389
Total Debt to Total Assets 31.279
Long-Term Debt to Equity 51.942
Long-Term Debt to Total Capital 34.079
  • Income Statement
  • Balance Sheet
  • Cash Flow Statement

Annual Financials for Healthequity Inc - HQY

Collapse All in section
All values USD millions. 2022 2023 2024 2025 5-year trend
Sales/Revenue
756.56M 861.75M 999.59M 1.20B
Sales Growth
+3.13% +13.90% +16.00% +20.03%
Cost of Goods Sold (COGS) incl D&A
415.64M 466.24M 469.71M 507.19M
COGS excluding D&A
- - - -
-
Depreciation & Amortization Expense
137.19M 161.20M 153.08M 162.45M
Depreciation
14.70M 12.30M 8.80M 4.60M
Amortization of Intangibles
122.49M 148.90M 144.28M 157.85M
COGS Growth
+5.41% +12.17% +0.74% +7.98%
Gross Income
340.92M 395.50M 529.87M 692.58M
Gross Income Growth
+0.48% +16.01% +33.97% +30.71%
Gross Profit Margin
+45.06% +45.90% +53.01% +57.73%
2022 2023 2024 2025 5-year trend
SG&A Expense
300.35M 357.85M 401.74M 462.51M
Research & Development
157.36M 193.38M 218.81M 239.51M
Other SG&A
142.98M 164.48M 182.93M 223.00M
SGA Growth
+15.85% +19.15% +12.26% +15.13%
Other Operating Expense
- - - -
-
Unusual Expense
77.54M 28.65M 11.59M 69.31M
EBIT after Unusual Expense
(36.97M) 9.00M 116.54M 160.76M
Non Operating Income/Expense
2.75M 1.32M 12.80M 14.33M
Non-Operating Interest Income
1.50M 1.76M 12.14M 13.91M
Equity in Earnings of Affiliates
- - - -
-
Interest Expense
32.52M 48.42M 54.30M 59.06M
Interest Expense Growth
-6.76% +48.89% +12.13% +8.77%
Gross Interest Expense
32.52M 48.42M 54.30M 59.06M
Interest Capitalized
- - - -
-
Pretax Income
(66.74M) (38.10M) 75.04M 116.03M
Pretax Income Growth
-1,712.10% +42.92% +296.98% +54.63%
Pretax Margin
-8.82% -4.42% +7.51% +9.67%
Income Tax
(22.45M) (11.95M) 19.33M 19.33M
Income Tax - Current - Domestic
867.00K 5.23M 33.32M 32.16M
Income Tax - Current - Foreign
- - - -
-
Income Tax - Deferred - Domestic
(23.32M) (17.18M) (13.99M) (12.83M)
Income Tax - Deferred - Foreign
- - - -
-
Income Tax Credits
- - - -
-
Equity in Earnings of Affiliates
- - - -
-
Other After Tax Income (Expense)
- - - -
-
Consolidated Net Income
(44.29M) (26.14M) 55.71M 96.70M
Minority Interest Expense
- - - -
-
Net Income
(44.29M) (26.14M) 55.71M 96.70M
Net Income Growth
-601.35% +40.97% +313.10% +73.58%
Net Margin Growth
-5.85% -3.03% +5.57% +8.06%
Extraordinaries & Discontinued Operations
- - - -
-
Discontinued Operations
- - - -
-
Net Income After Extraordinaries
(44.29M) (26.14M) 55.71M 96.70M
Preferred Dividends
- - - -
-
Net Income Available to Common
(44.29M) (26.14M) 55.71M 96.70M
EPS (Basic)
-0.5327 -0.3096 0.6511 1.1132
EPS (Basic) Growth
-547.65% +41.88% +310.30% +70.97%
Basic Shares Outstanding
83.13M 84.44M 85.56M 86.87M
EPS (Diluted)
-0.5327 -0.3096 0.6407 1.0886
EPS (Diluted) Growth
-556.47% +41.88% +306.94% +69.91%
Diluted Shares Outstanding
83.13M 84.44M 86.96M 88.83M
EBITDA
177.75M 198.85M 281.21M 392.52M
EBITDA Growth
-9.27% +11.87% +41.42% +39.58%
EBITDA Margin
+23.50% +23.08% +28.13% +32.72%

Snapshot

Average Recommendation BUY Average Target Price 120.533
Number of Ratings 16 Current Quarters Estimate 0.898
FY Report Date 01 / 2026 Current Year's Estimate 3.955
Last Quarter’s Earnings 1.01 Median PE on CY Estimate N/A
Year Ago Earnings 3.12 Next Fiscal Year Estimate 4.557
Median PE on Next FY Estimate N/A

Earnings Per Share

This Quarter Next Quarter This Fiscal Next Fiscal
# of Estimates 13 10 13 13
Mean Estimate 0.90 1.13 3.95 4.56
High Estimates 0.95 1.28 4.01 5.05
Low Estimate 0.86 1.02 3.92 4.27
Coefficient of Variance 2.94 6.93 0.66 4.03

Analysts Recommendations

Current 1 Month Ago 3 Months Ago
BUY 12 13 13
OVERWEIGHT 2 1 1
HOLD 2 2 1
UNDERWEIGHT 0 0 0
SELL 0 0 0
MEAN Buy Buy Buy

Insider Actions for Healthequity Inc - HQY

Date Name Shares Transaction Value
Sep 10, 2025 Evelyn S. Dilsaver Director 51,669 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $21.27 per share 1,098,999.63
Sep 10, 2025 Evelyn S. Dilsaver Director 48,208 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $93.3 per share 4,497,806.40
Sep 10, 2025 Evelyn S. Dilsaver Director N/A Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Aug 1, 2025 Stephen D. Neeleman FOUNDER AND VICE CHAIRMAN; Director 550,235 Bona fide gift 0.00
Jul 9, 2025 Michael Fiore EVP, CHIEF COMMERCIAL OFFICER 55,019 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $100.87 per share 5,549,766.53
Jul 9, 2025 Michael Fiore EVP, CHIEF COMMERCIAL OFFICER 53,225 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $102.09 per share 5,433,740.25
Jul 9, 2025 Michael Fiore EVP, CHIEF COMMERCIAL OFFICER 53,925 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $101.5 per share 5,473,387.50
Jul 9, 2025 Stephen D. Neeleman FOUNDER AND VICE CHAIRMAN; Director 112,593 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $100.87 per share 11,357,255.91
Jul 9, 2025 James M. Lucania EVP & CFO 89,429 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $100.87 per share 9,020,703.23
Jul 9, 2025 Elimelech Rosner EVP, CHIEF TECHNOLOGY OFFICER 59,707 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $100.87 per share 6,022,645.09
Jul 9, 2025 Delano Ladd EVP, General Counsel 85,456 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $100.87 per share 8,619,946.72
Jun 11, 2025 Elimelech Rosner EVP, CHIEF TECHNOLOGY OFFICER 62,689 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $111.37 per share 6,981,673.93
Apr 7, 2025 Stephen D. Neeleman FOUNDER AND VICE CHAIRMAN; Director 122,661 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $83.88 per share 10,288,804.68
Apr 7, 2025 Elimelech Rosner EVP, CHIEF TECHNOLOGY OFFICER 185,767 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $83.88 per share 15,582,135.96
Apr 7, 2025 Delano Ladd EVP, General Counsel 93,417 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $83.88 per share 7,835,817.96
Apr 7, 2025 Delano Ladd EVP, General Counsel 94,769 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Apr 7, 2025 Scott R. Cutler President and CEO; Director 122,316 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Apr 7, 2025 James M. Lucania EVP & CFO 91,804 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $83.88 per share 7,700,519.52
Apr 7, 2025 Jon Kessler Director 409,557 Grant, award or other acq pursuant to Rule 16b-3(d) 0.00
Feb 13, 2025 Robert W. Selander Director 83,969 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $28.68 per share 2,408,230.92

Healthequity Inc in the News