HQY
VENTE TOTALE: 7 632 titres (~797 328,78 $ US)
- Insiders
- DILLON ADRIAN T
- Total bought
- —
- Total sold
- $797,329
- Last activity
- 2026-08-25
- Last synced
-
2026-08-31 10:14:36
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bullish signal Scored 2026-08-31
HQY combines robust financial health (liquidity 90, fundamentals trend 85) with a confirmed earnings catalyst — a Q2 beat, upward guidance revision, and a new institutional stake from CPP Investments — supporting a…
The first sentence of the analysis written for HQY on 2026-08-31 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2026-01-31 | 2025-01-31 | 2024-01-31 | 2023-01-31 | 2022-01-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.5% | 57.7% | 53.0% | 45.9% | 45.1% | |
| Ebit Margin | 25.5% | 14.6% | 12.9% | 1.2% | -4.5% | |
| Ebitda Margin | 37.2% | 28.1% | 28.3% | 19.9% | 13.6% | |
| Operating Profit Margin | 24.6% | 19.2% | 12.8% | 4.4% | 5.4% | |
| Pretax Profit Margin | 21.1% | 9.7% | 7.5% | -4.4% | -8.8% | |
| Continuous Operations Profit Margin | 16.4% | 8.1% | 5.6% | -3.0% | -5.9% | |
| Net Profit Margin | 16.4% | 8.1% | 5.6% | -3.0% | -5.9% | |
| Bottom Line Profit Margin | 16.4% | 8.1% | 5.6% | -3.0% | -5.9% | |
| Current Ratio | 3.266 | 3.056 | 4.761 | 2.921 | 2.294 | |
| Quick Ratio | 3.266 | 3.056 | 4.761 | 2.921 | 2.294 | |
| Solvency Ratio | 0.279 | 0.194 | 0.185 | 0.113 | 0.074 | |
| Cash Ratio | 2.033 | 1.893 | 3.450 | 1.940 | 1.471 | |
| Price To Earnings Ratio | 34.268 | 99.477 | 116.277 | -196.290 | -100.830 | |
| Price To Earnings Growth Ratio | 0.274 | 1.406 | -0.375 | 4.729 | 0.186 | |
| Forward Price To Earnings Growth Ratio | 0.274 | 1.406 | -0.375 | 4.729 | 0.186 | |
| Price To Earnings Diluted Ratio | 34.825 | 101.303 | 118.094 | -196.290 | -100.830 | |
| Price To Earnings Diluted Growth Ratio | 0.277 | 1.441 | -0.385 | 4.729 | 0.186 | |
| Price To Book Ratio | 3.502 | 4.536 | 3.178 | 2.711 | 2.398 | |
| Price To Sales Ratio | 5.618 | 7.995 | 6.470 | 5.963 | 5.872 | |
| Price To Free Cash Flow Ratio | 16.213 | 28.398 | 32.868 | 163.001 | 1,135.061 | |
| Price To Operating Cash Flow Ratio | 16.143 | 28.224 | 26.632 | 34.108 | 31.509 | |
| Debt To Assets Ratio | 0.292 | 0.321 | 0.295 | 0.322 | 0.324 | |
| Debt To Equity Ratio | 0.475 | 0.524 | 0.459 | 0.525 | 0.544 | |
| Debt To Capital Ratio | 0.322 | 0.344 | 0.314 | 0.344 | 0.352 | |
| Long Term Debt To Capital Ratio | 0.312 | 0.333 | 0.301 | 0.324 | 0.332 | |
| Financial Leverage Ratio | 1.629 | 1.631 | 1.555 | 1.629 | 1.677 | |
| Working Capital Turnover Ratio | 3.881 | 3.150 | 2.888 | 3.830 | 3.336 | |
| Operating Cash Flow Ratio | 2.914 | 2.174 | 2.074 | 1.149 | 0.920 | |
| Operating Cash Flow Sales Ratio | 0.348 | 0.283 | 0.243 | 0.175 | 0.186 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.996 | 0.994 | 0.810 | 0.209 | 0.028 | |
| Debt Service Coverage Ratio | 7.474 | 5.248 | 4.744 | 2.783 | 2.767 | |
| Interest Coverage Ratio | 5.644 | 3.794 | 2.311 | 0.778 | 1.109 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 8.609 | 16.114 | |
| Operating Cash Flow Coverage Ratio | 0.456 | 0.307 | 0.260 | 0.151 | 0.140 | |
| Capital Expenditure Coverage Ratio | 232.145 | 163.079 | 5.270 | 1.265 | 1.029 | |
| Dividend Paid And Capex Coverage Ratio | 232.145 | 163.079 | 5.270 | 1.265 | 1.029 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 16.478 | 30.825 | 24.772 | 34.271 | 50.747 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.5% | ▲11.8% | ▲15.3% |
| Ebit Margin | 25.5% | ▲10.9% | ▲15.5% |
| Ebitda Margin | 37.2% | ▲9.1% | ▲11.8% |
| Operating Profit Margin | 24.6% | ▲5.4% | ▲11.3% |
| Pretax Profit Margin | 21.1% | ▲11.5% | ▲16.1% |
| Continuous Operations Profit Margin | 16.4% | ▲8.3% | ▲12.2% |
| Net Profit Margin | 16.4% | ▲8.3% | ▲12.2% |
| Bottom Line Profit Margin | 16.4% | ▲8.3% | ▲12.2% |
| Current Ratio | 3.266 | ▲0.210 | ▲0.006 |
| Quick Ratio | 3.266 | ▲0.210 | ▲0.006 |
| Solvency Ratio | 0.279 | ▲0.085 | ▲0.110 |
| Cash Ratio | 2.033 | ▲0.140 | ▼-0.124 |
| Price To Earnings Ratio | 34.268 | ▼-65.210 | ▲43.688 |
| Price To Earnings Growth Ratio | 0.274 | ▼-1.132 | ▼-0.970 |
| Forward Price To Earnings Growth Ratio | 0.274 | ▼-1.132 | ▼-0.970 |
| Price To Earnings Diluted Ratio | 34.825 | ▼-66.478 | ▲43.405 |
| Price To Earnings Diluted Growth Ratio | 0.277 | ▼-1.164 | ▼-0.972 |
| Price To Book Ratio | 3.502 | ▼-1.034 | ▲0.237 |
| Price To Sales Ratio | 5.618 | ▼-2.377 | ▼-0.765 |
| Price To Free Cash Flow Ratio | 16.213 | ▼-12.185 | ▼-258.895 |
| Price To Operating Cash Flow Ratio | 16.143 | ▼-12.081 | ▼-11.180 |
| Debt To Assets Ratio | 0.292 | ▼-0.030 | ▼-0.019 |
| Debt To Equity Ratio | 0.475 | ▼-0.049 | ▼-0.030 |
| Debt To Capital Ratio | 0.322 | ▼-0.022 | ▼-0.013 |
| Long Term Debt To Capital Ratio | 0.312 | ▼-0.021 | ▼-0.008 |
| Financial Leverage Ratio | 1.629 | ▼-0.002 | ▲0.005 |
| Working Capital Turnover Ratio | 3.881 | ▲0.731 | ▲0.464 |
| Operating Cash Flow Ratio | 2.914 | ▲0.740 | ▲1.068 |
| Operating Cash Flow Sales Ratio | 0.348 | ▲0.065 | ▲0.101 |
| Free Cash Flow Operating Cash Flow Ratio | 0.996 | ▲0.002 | ▲0.388 |
| Debt Service Coverage Ratio | 7.474 | ▲2.226 | ▲2.870 |
| Interest Coverage Ratio | 5.644 | ▲1.850 | ▲2.917 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-4.944 |
| Operating Cash Flow Coverage Ratio | 0.456 | ▲0.150 | ▲0.194 |
| Capital Expenditure Coverage Ratio | 232.145 | ▲69.067 | ▲151.588 |
| Dividend Paid And Capex Coverage Ratio | 232.145 | ▲69.067 | ▲151.588 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 16.478 | ▼-14.347 | ▼-14.941 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $7.38B | $9.59B | $6.47B | $5.14B | $4.44B | |
| Enterprise value | $8.06B | $10.40B | $7.00B | $5.88B | $5.23B | |
| EV / Sales | 6.14x | 8.67x | 7.00x | 6.82x | 6.91x | |
| EV / Op. cash flow | 17.64x | 30.61x | 28.81x | 39.02x | 37.06x | |
| EV / Free cash flow | 17.71x | 30.80x | 35.56x | 186.48x | 1335.07x | |
| EV / EBITDA | 16.48x | 30.82x | 24.77x | 34.27x | 50.75x | |
| Net debt / EBITDA | 1.40x | 2.41x | 1.87x | 4.32x | 7.60x | |
| Current ratio | 3.27x | 3.06x | 4.76x | 2.92x | 2.29x | |
| Income quality | 2.12x | 3.51x | 4.36x | -5.76x | -3.18x | |
| Graham number | $37 | $25 | $19 | — | — | |
| Graham net-net | -$11 | -$11 | -$8 | -$10 | -$12 | |
| Tax burden | 77.6% | 83.3% | 74.2% | 68.6% | 66.4% | |
| Interest burden | 82.9% | 66.3% | 58.0% | -368.9% | 195.0% | |
| Working capital | $355.4M | $321.4M | $440.3M | $251.8M | $198.2M | |
| Invested capital | $3.14B | $3.22B | $2.98B | $2.91B | $2.90B | |
| Return on assets | 6.3% | 2.8% | 1.8% | -0.8% | -1.4% | |
| Operating ROA | 9.4% | 7.0% | 4.1% | 1.2% | 1.4% | |
| Return on tangible assets | 31.3% | 16.2% | 8.2% | -5.2% | -9.1% | |
| Return on equity | 10.2% | 4.6% | 2.7% | -1.4% | -2.4% | |
| Return on invested capital | 7.6% | 5.8% | 3.1% | 0.9% | 0.9% | |
| Return on capital employed | 9.8% | 7.0% | 4.2% | 1.3% | 1.4% | |
| Earnings yield | 2.9% | 1.0% | 0.9% | -0.5% | -1.0% | |
| Free cash flow yield | 6.2% | 3.5% | 3.0% | 0.6% | 0.1% | |
| Capex / Op. cash flow | 0.4% | 0.6% | 19.0% | 79.1% | 97.2% | |
| Capex / Depreciation | 1.3% | 1.3% | 30.1% | 73.9% | 99.9% | |
| Capex / Sales | 0.1% | 0.2% | 4.6% | 13.8% | 18.1% | |
| SG&A / Sales | 25.0% | 18.6% | 18.3% | 19.1% | 18.9% | |
| R&D / Sales | 20.0% | 20.0% | 21.9% | 22.4% | 20.8% | |
| Stock comp / Sales | 5.6% | 8.0% | 7.7% | 7.3% | 7.0% | |
| Intangibles / Total assets | 80.0% | 82.7% | 78.5% | 83.7% | 84.3% | |
| Days sales outstanding | 34d | 36d | 38d | 41d | 42d | |
| Days payables outstanding | 11d | 10d | 9d | 11d | 24d | |
| Operating cycle | 34d | 36d | 38d | 41d | 42d | |
| Cash conversion cycle | 23d | 26d | 29d | 30d | 18d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-23.1%EV / Sales ▼-29.2%EV / EBITDA ▼-46.5%EV / Op. cash flow ▼-12.979Earnings yield ▲+0.019Graham number ▲+12.391
Profitability
Return on equity ▲+0.056Return on assets ▲+0.035Return on invested capital ▲+0.018Return on capital employed ▲+0.029Operating ROA ▲+0.024Income quality ▼-1.390Tax burden ▼-0.058
Efficiency
Days sales outstanding ▼-1.525Days payables outstanding ▲+0.752Operating cycle ▼-1.525Cash conversion cycle ▼-2.277Capex / Sales -0.000R&D / Sales +0.000
Balance-sheet strength
Current ratio ▲+0.210Net debt / EBITDA ▼-1.012Working capital ▲+34005000.000Invested capital ▼-80418000.000Intangibles / Total assets ▼-0.027
Change over 5 years
Valuation
Market cap ▲+66.1%EV / Sales ▼-11.1%EV / EBITDA ▼-67.5%EV / Op. cash flow ▼-19.425Earnings yield ▲+0.039
Profitability
Return on equity ▲+0.126Return on assets ▲+0.077Return on invested capital ▲+0.067Return on capital employed ▲+0.085Operating ROA ▲+0.080Income quality ▲+5.308Tax burden ▲+0.112
Efficiency
Days sales outstanding ▼-7.805Days payables outstanding ▼-13.099Operating cycle ▼-7.805Cash conversion cycle ▲+5.294Capex / Sales ▼-0.180R&D / Sales ▼-0.008
Balance-sheet strength
Current ratio ▲+0.973Net debt / EBITDA ▼-6.207Working capital ▲+157281000.000Invested capital ▲+236127000.000Intangibles / Total assets ▼-0.043
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-06-30 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-05-29 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-06-17 | Lisa McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-16 | Gilbert Cisneros | Sale | $1,001 - $15,000 |
| 2025-06-11 | Lisa McClain | Purchase | $1,001 - $15,000 |
| 2025-01-13 | Rob Bresnahan | Sale | $1,001 - $15,000 |
| 2024-11-07 | Josh Gottheimer | Sale | $1,001 - $15,000 |
| 2024-06-21 | Josh Gottheimer | Sale | $1,001 - $15,000 |
| 2024-01-19 | Blake Moore | Sale | $1,001 - $15,000 |
| 2023-04-10 | Daniel Goldman | Sale | $15,001 - $50,000 |
| 2022-01-10 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2021-12-09 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2021-05-12 | Blake Moore | Purchase | $1,001 - $15,000 |
| 2021-05-11 | Blake Moore | Purchase | $1,001 - $15,000 |
| 2021-04-30 | Blake Moore | Purchase | $1,001 - $15,000 |
| 2021-03-26 | Blake Moore | Purchase | $1,001 - $15,000 |
| 2020-07-17 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-07-09 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-04-07 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-04-03 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-03-31 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-03-26 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
Recent news
- 2026-08-30 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.
- 2026-08-30 Canada Pension Plan Investment Board Makes New Investment in HealthEquity, Inc. $HQY Canada Pension Plan Investment Board purchased a new stake in HealthEquity, Inc. (NASDAQ: HQY) during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The fund purchased 135,600 shares of the company''s stock, valued at approximately $12,247,000. Canada Pension Plan Investment Board owned 0.16% of
- 2026-08-29 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
- 2026-08-27 HealthEquity, Inc. (HQY) Q2 2027 Earnings Call Transcript HealthEquity, Inc. (HQY) Q2 2027 Earnings Call Transcript
- 2026-08-27 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%.
- 2026-08-27 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.
- 2026-08-27 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.
- 2026-08-27 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.
- 2026-08-27 Bamco Inc. NY Invests $67.78 Million in HealthEquity, Inc. $HQY Bamco Inc. NY bought a new position in HealthEquity, Inc. (NASDAQ: HQY) during the second quarter, according to its most recent disclosure with the SEC. The firm bought 750,394 shares of the company''s stock, valued at approximately $67,776,000. Bamco Inc. NY owned 0.90% of HealthEquity as of its most recent filing with the
- 2026-08-24 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.