HealthEquity, Inc. (HQY)Healthcare | Health Information Services | Draper, United States | NasdaqGS
93.35 USD
+0.84
(0.911%)
⇧
(Oct. 16, 2026, 9:44 a.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 6:14 a.m. EDT
HealthEquity presents a compelling long-term case driven by accelerating earnings growth and a forward valuation that is significantly more attractive than its trailing metrics. While the stock trades below its short-term average, the 14-day price action shows a recovery toward key support levels, supported by a strong buy analyst consensus targeting nearly $120. The options market reveals a bullish bias for the medium term, though near-term implied volatility on puts suggests investors are hedging against potential dips. The absence of a dividend is a notable feature for income-focused portfolios, but the company's robust balance sheet and double-digit earnings growth justify a growth-oriented allocation. The statistical forecast model indicates a weak lean downward, creating tension with the fundamental upside, but the long-term trajectory remains robust with a 135 percent cumulative gain over the past nine years. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.069785 |
| MSTL | 0.070426 |
| AutoETS | 0.072754 |
| AutoARIMA | 0.073649 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 109.90 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.175 |
| Excess Kurtosis | -1.36 |
| Attribute | Value |
|---|---|
| Sector | Healthcare |
| Debt to Equity Ratio | 48.792 |
| Revenue per Share | 16.068 |
| Market Cap | 7,721,472,512 |
| Trailing P/E | 33.82 |
| Forward P/E | 16.97 |
| Beta | 0.24 |
| Profit Margins | 17.36% |
| Website | https://www.healthequity.com |
As of Oct. 10, 2026, 6:14 a.m. EDT: Speculators are positioning for a medium-term rally, evidenced by heavy call open interest at 105 and 115 strikes for November through March expirations. However, near-term implied volatility is skewed toward downside protection, with put IV significantly higher than call IV for the October expiration and anomalous put volume at the 95 strike for December, suggesting investors are hedging against a potential pullback despite the bullish call bias.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.011480451 |
| Address1 | 15 West Scenic Pointe Drive |
| Address2 | Suite 100 |
| All Time High | 116.65 |
| All Time Low | 15.8 |
| Ask | 120.0 |
| Ask Size | 2 |
| Audit Risk | 6 |
| Average Analyst Rating | 1.3 - Strong Buy |
| Average Daily Volume10 Day | 782,390 |
| Average Daily Volume3 Month | 828,517 |
| Average Volume | 828,517 |
| Average Volume10Days | 782,390 |
| Beta | 0.242 |
| Bid | 65.33 |
| Bid Size | 2 |
| Board Risk | 1 |
| Book Value | 24.004 |
| City | Draper |
| Compensation As Of Epoch Date | 1,798,675,200 |
| Compensation Risk | 1 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 93.35 |
| Current Ratio | 2.993 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 93.835 |
| Day Low | 92.67 |
| Debt To Equity | 48.792 |
| Display Name | HealthEquity |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,787,833,800 |
| Earnings Call Timestamp Start | 1,787,833,800 |
| Earnings Growth | 0.147 |
| Earnings Quarterly Growth | 0.097 |
| Earnings Timestamp | 1,787,833,800 |
| Earnings Timestamp End | 1,787,833,800 |
| Earnings Timestamp Start | 1,787,833,800 |
| Ebitda | 513,607,008 |
| Ebitda Margins | 0.37706003 |
| Enterprise To Ebitda | 16.291 |
| Enterprise To Revenue | 6.143 |
| Enterprise Value | 8,367,005,184 |
| Eps Current Year | 4.72388 |
| Eps Forward | 5.50011 |
| Eps Trailing Twelve Months | 2.76 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 96.4751 |
| Fifty Day Average Change | -3.1250992 |
| Fifty Day Average Change Percent | -0.032392807 |
| Fifty Two Week Change Percent | 1.1480451 |
| Fifty Two Week High | 107.62 |
| Fifty Two Week High Change | -14.270004 |
| Fifty Two Week High Change Percent | -0.13259621 |
| Fifty Two Week Low | 72.76 |
| Fifty Two Week Low Change | 20.589996 |
| Fifty Two Week Low Change Percent | 0.2829851 |
| Fifty Two Week Range | 72.76 - 107.62 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,406,813,400,000 |
| Float Shares | 81,021,287 |
| Forward Eps | 5.50011 |
| Forward P E | 16.972387 |
| Free Cashflow | 397,510,624 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,814 |
| Fullday Change | 0.83999634 |
| Fullday Change Percent | 0.9110589 |
| Fullday Price | 93.35 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.71247 |
| Gross Profits | 970,476,032 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02168 |
| Held Percent Institutions | 1.10093 |
| 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 | 7,721,472,512 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_11129585 |
| Most Recent Quarter | 1,785,456,000 |
| Net Income To Common | 236,494,000 |
| Next Fiscal Year End | 1,801,353,600 |
| Non Diluted Market Cap | 7,476,635,605 |
| Number Of Analyst Opinions | 15 |
| Open | 93.23 |
| Operating Cashflow | 490,175,008 |
| Operating Margins | 0.28415 |
| Overall Risk | 1 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.11 |
| Phone | 801 727 1000 |
| Previous Close | 92.51 |
| Price Eps Current Year | 19.7613 |
| Price Hint | 2 |
| Price To Book | 3.888935 |
| Price To Sales Trailing12 Months | 5.668704 |
| Profit Margins | 0.17362 |
| Quick Ratio | 2.459 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.33333 |
| Region | US |
| Regular Market Change | 0.83999634 |
| Regular Market Change Percent | 0.9110589 |
| Regular Market Day High | 93.835 |
| Regular Market Day Low | 92.67 |
| Regular Market Day Range | 92.67 - 93.835 |
| Regular Market Open | 93.23 |
| Regular Market Previous Close | 92.51 |
| Regular Market Price | 93.35 |
| Regular Market Time | 1,792,158,281 |
| Regular Market Volume | 24,894 |
| Return On Assets | 0.06653 |
| Return On Equity | 0.11434 |
| Revenue Growth | 0.076 |
| Revenue Per Share | 16.068 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Healthcare |
| Sector Disp | Healthcare |
| Sector Key | healthcare |
| Share Holder Rights Risk | 2 |
| Shares Outstanding | 82,715,296 |
| Shares Percent Shares Out | 0.072399996 |
| Shares Short | 5,992,608 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 4,516,232 |
| Short Name | HealthEquity, Inc. |
| Short Percent Of Float | 0.0962 |
| Short Ratio | 6.76 |
| Source Interval | 15 |
| State | UT |
| Symbol | HQY |
| Target High Price | 142.0 |
| Target Low Price | 105.0 |
| Target Mean Price | 119.33333 |
| Target Median Price | 120.0 |
| Total Cash | 256,003,008 |
| Total Cash Per Share | 3.095 |
| Total Debt | 971,016,000 |
| Total Revenue | 1,362,123,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 2.76 |
| Trailing P E | 33.822464 |
| Trailing Peg Ratio | 1.3157 |
| Triggerable | 1 |
| Two Hundred Day Average | 88.58405 |
| Two Hundred Day Average Change | 4.7659454 |
| Two Hundred Day Average Change Percent | 0.05380139 |
| Type Disp | Equity |
| Volume | 24,894 |
| Website | https://www.healthequity.com |
| Zip | 84,020 |