HealthEquity, Inc. (HQY)Healthcare | Health Information Services | Draper, United States | NasdaqGS
96.37 USD
+2.98
(3.191%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 96.98 +0.61 (0.631%) ⇧ (Aug. 28, 2026, 7:30 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 2:45 a.m. EDT
HealthEquity presents a compelling long-term case driven by robust business fundamentals and a strong price trajectory. The company boasts impressive profit margins exceeding 17% and a fortress-like balance sheet with a current ratio of 3.4, supporting its ability to generate substantial free cash flow. Over the past nine years, the stock has delivered a cumulative gain of over 214%, with the most recent annual performance showing continued upward momentum. While the trailing price-to-earnings ratio appears stretched at 39, the forward estimate compresses significantly to roughly 19, reflecting expectations for earnings acceleration. Analyst consensus is strongly positive, with a mean target price suggesting double-digit upside from current levels. However, the absence of a dividend history means investors must rely entirely on capital appreciation. Short-term caution is warranted due to recent insider stock sales, though these appear to be pre-planned transactions. The options market reflects a cautious bullishness, with traders hedging downside while positioning for upside moves. Overall, this is a solid buy for growth-oriented portfolios, though it lacks the hyper-growth metrics typically reserved for top-tier compounders. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.093397 |
| AutoETS | 0.093737 |
| AutoTheta | 0.094507 |
| MSTL | 0.097889 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 42% |
| H-stat | 46.76 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.306 |
| Excess Kurtosis | -1.12 |
| Attribute | Value |
|---|---|
| Sector | Healthcare |
| Debt to Equity Ratio | 48.094 |
| Revenue per Share | 15.627 |
| Market Cap | 7,971,273,216 |
| Trailing P/E | 34.79 |
| Forward P/E | 17.61 |
| Beta | 0.23 |
| Profit Margins | 17.25% |
| Website | https://www.healthequity.com |
As of Aug. 22, 2026, 2:45 a.m. EDT: Implied volatility remains elevated across expirations, ranging from 0.50 to 0.65, indicating heightened uncertainty. Call option open interest significantly outweighs put open interest in the December 2026 expiration, with notable positioning at the 120 strike, suggesting speculative bullishness for year-end. Put activity is concentrated at lower strikes (80), acting as a hedge against downside rather than a primary bet on decline.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.051097393 |
| Address1 | 15 West Scenic Pointe Drive |
| Address2 | Suite 100 |
| All Time High | 116.65 |
| All Time Low | 15.8 |
| Ask | 97.07 |
| Ask Size | 1 |
| Audit Risk | 6 |
| Average Analyst Rating | 1.3 - Strong Buy |
| Average Daily Volume10 Day | 920,220 |
| Average Daily Volume3 Month | 871,883 |
| Average Volume | 871,883 |
| Average Volume10Days | 920,220 |
| Beta | 0.233 |
| Bid | 70.26 |
| Bid Size | 2 |
| Board Risk | 1 |
| Book Value | 24.395 |
| City | Draper |
| Compensation As Of Epoch Date | 1,798,675,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 96.37 |
| Current Ratio | 3.437 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 97.99 |
| Day Low | 92.77 |
| Debt To Equity | 48.094 |
| Display Name | HealthEquity |
| Earnings Call Timestamp End | 1,787,833,800 |
| Earnings Call Timestamp Start | 1,787,833,800 |
| Earnings Growth | 0.344 |
| Earnings Quarterly Growth | 0.288 |
| Earnings Timestamp | 1,787,833,800 |
| Earnings Timestamp End | 1,787,833,800 |
| Earnings Timestamp Start | 1,787,833,800 |
| Ebitda | 501,323,008 |
| Ebitda Margins | 0.3749 |
| Enterprise To Ebitda | 18.848 |
| Enterprise To Revenue | 7.066 |
| Enterprise Value | 9,449,050,112 |
| Eps Current Year | 4.71907 |
| Eps Forward | 5.47266 |
| Eps Trailing Twelve Months | 2.77 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 97.7538 |
| Fifty Day Average Change | -1.3837967 |
| Fifty Day Average Change Percent | -0.014155937 |
| Fifty Two Week Change Percent | 5.1097393 |
| Fifty Two Week High | 107.62 |
| Fifty Two Week High Change | -11.25 |
| Fifty Two Week High Change Percent | -0.10453447 |
| Fifty Two Week Low | 72.76 |
| Fifty Two Week Low Change | 23.61 |
| Fifty Two Week Low Change Percent | 0.32449147 |
| Fifty Two Week Range | 72.76 - 107.62 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,406,813,400,000 |
| Float Shares | 81,924,262 |
| Forward Eps | 5.47266 |
| Forward P E | 17.609352 |
| Free Cashflow | 370,328,512 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,814 |
| Fullday Change | 2.98 |
| Fullday Change Percent | 3.19092 |
| Fullday Price | 96.9781 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.70677 |
| Gross Profits | 945,116,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.021440001 |
| Held Percent Institutions | 1.10501 |
| Implied Shares Outstanding | 82,715,296 |
| Industry | Health Information Services |
| Industry Disp | Health Information Services |
| Industry Key | health-information-services |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,769,817,600 |
| Long Business Summary | HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. In addition, the company offers HSA and FSA members with access to certain healthcare products, programs, and services through its marketplace. It serves clients through a direct sales force; and brokers and advisors, a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah. |
| Long Name | HealthEquity, Inc. |
| Market | us_market |
| Market Cap | 7,971,273,216 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_11129585 |
| Most Recent Quarter | 1,777,507,200 |
| Net Income To Common | 230,704,000 |
| Next Fiscal Year End | 1,801,353,600 |
| Non Diluted Market Cap | 7,724,781,493 |
| Number Of Analyst Opinions | 15 |
| Open | 93.62 |
| Operating Cashflow | 489,881,984 |
| Operating Margins | 0.29343998 |
| Overall Risk | 1 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.5 |
| Phone | 801 727 1000 |
| Post Market Change | 0.6081009 |
| Post Market Change Percent | 0.6310064 |
| Post Market Price | 96.9781 |
| Post Market Time | 1,787,959,805 |
| Previous Close | 93.39 |
| Price Eps Current Year | 20.421398 |
| Price Hint | 2 |
| Price To Book | 3.9503996 |
| Price To Sales Trailing12 Months | 5.9610515 |
| Profit Margins | 0.17252001 |
| Quick Ratio | 2.854 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.33333 |
| Region | US |
| Regular Market Change | 2.98 |
| Regular Market Change Percent | 3.19092 |
| Regular Market Day High | 97.99 |
| Regular Market Day Low | 92.77 |
| Regular Market Day Range | 92.77 - 97.99 |
| Regular Market Open | 93.62 |
| Regular Market Previous Close | 93.39 |
| Regular Market Price | 96.37 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 2,258,890 |
| Return On Assets | 0.064559996 |
| Return On Equity | 0.11062 |
| Revenue Growth | 0.072 |
| Revenue Per Share | 15.627 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Healthcare |
| Sector Disp | Healthcare |
| Sector Key | healthcare |
| Share Holder Rights Risk | 2 |
| Shares Outstanding | 82,715,296 |
| Shares Percent Shares Out | 0.0493 |
| Shares Short | 4,117,660 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 5,036,614 |
| Short Name | HealthEquity, Inc. |
| Short Percent Of Float | 0.0652 |
| Short Ratio | 5.83 |
| Source Interval | 15 |
| State | UT |
| Symbol | HQY |
| Target High Price | 135.0 |
| Target Low Price | 105.0 |
| Target Mean Price | 118.53333 |
| Target Median Price | 120.0 |
| Total Cash | 265,368,992 |
| Total Cash Per Share | 3.174 |
| Total Debt | 984,681,984 |
| Total Revenue | 1,337,225,984 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 2.77 |
| Trailing P E | 34.790615 |
| Trailing Peg Ratio | 1.3375 |
| Triggerable | 1 |
| Two Hundred Day Average | 89.4752 |
| Two Hundred Day Average Change | 6.894806 |
| Two Hundred Day Average Change Percent | 0.07705829 |
| Type Disp | Equity |
| Volume | 2,258,890 |
| Website | https://www.healthequity.com |
| Zip | 84,020 |