HQY
Neutral signalScored 2026-08-31 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
HealthEquity, Inc.
- Nom
- HealthEquity, Inc.
- Secteur
- Healthcare
- Industrie
- Medical - Healthcare Information Services
- Bourse
- NASDAQ
- Capitalisation
- $8.6B
- Employés
- 2,814
- PDG
- Scott R. Cutler
- Site web
- https://www.healthequity.com
- Marché
- AMWLCCLDCTEVOMCLOMDAPHR
Headquartered in Draper, Utah, and established in 2002, HealthEquity, Inc. furnishes technology-powered service platforms to both individual consumers and employers across the United States. The company provides cloud-based solutions designed to assist individuals in overseeing their healthcare expenditures and savings. These platforms enable users to make informed decisions about their health finances, pay medical bills, compare treatment options and costs, access personalized benefits and clinical data, earn incentives for wellness, and grow their savings through various investment avenues, including specific investment choices. In addition to these personal financial management tools, HealthEquity administers a range of health-related accounts, such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs). Its offerings also encompass a mutual fund investment platform, an automated online advisory service known as Advisor, COBRA continuation services, and the management of pre-tax commuter benefits programs. HealthEquity markets its services through a dedicated direct sales team, collaborates with benefits brokers and advisors, and leverages a comprehensive network comprising health plans, benefits administrators, consultants, and retirement plan record-keepers.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 7 632 titres (~797 328,78 $ US)
- Insiders
- DILLON ADRIAN T
- Total bought
-
—
Avg buy (VWAP, 90d window) $91.16 vs last close —
- Total sold
-
$153,510
Avg sell (VWAP, 90d window) $104.93 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$140,201 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-25
- Last synced
-
2026-08-31 10:14:36
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-15 | Rajasekar Sunil | Buy · P | 108 | $90.33 | $9,756 | Form 4 |
| 2026-08-25 | DILLON ADRIAN T | Sell · S · 10b5-1 | 1,332 | $105.26 | $140,201 | Form 4 |
| 2026-08-24 | Rajasekar Sunil | Sell · S | 108 | $105.60 | $11,405 | Form 4 |
| 2026-07-08 | Rajasekar Sunil | Buy · P | 23 | $95.06 | $2,186 | Form 4 |
| 2026-04-22 | Rajasekar Sunil | Sell · S | 23 | $82.81 | $1,905 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-07-10 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-09 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
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 |
Signal
Neutral signalScored 2026-08-31 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
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.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Narrative Supports a bullish reading. Stored narrative reading is in the bullish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 3.27 · operating margin 25%
Market snapshot
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
Change over 5 years
Employee count
Peer market caps
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.