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Company Analysis

HealthEquity, Inc. HQY

A comprehensive view of key metrics, scores, and financial health for HealthEquity, Inc.

Overview of HealthEquity, Inc.

HQY NMS
Healthcare Health Information Services Mid Cap
HealthEquity, Inc. (HQY), is a Mid Cap company, in the Health Information Services industry, last closed at $77.81, about 62.4% overvalued vs fair value, -22.7% 1Y return, placing in the top 10% of its sector.
$77.81
1.33%
As of March 13, 2026
Previous close • Vol 90d: 36.8%
52-Week Range
Market Cap
$6.79B
Enterprise Value
$7.51B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.healthequity.com
HQ Draper, UT
Employees 3,105
Fiscal year Jan 31

Next Events

Earnings Mar 17 Call: Mar 17

Fair Value Snapshot

Bear Base Bull
$26
$29
$33
Current: $77.81 -62% vs base

Engine Room Money Flow™

Mid Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$1.2B
20%%
Gross Profit
$777.3M
24.8%%
Operating Income
$202.9M
58.3%%
Net Income
$96.7M
73.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
-171.2%
Poor

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
6
Active Leaks
4/6
Improving
0
High Impact
3
Critical
Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating HealthEquity, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
81
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 92% Coverage
Trade-Off Triangle Visualization A ternary plot showing HQY's balance between Growth (34.9%), Profitability (36.7%), and Safety (28.4%). Growth 35% Safety 28% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

73th percentile vs peers
74
Key Signals
Rev Growth YoY 20.0% 75p Revenue CAGR 3Y 16.6% 71p EPS Growth YoY 69.9% 72p
Strengths
  • Interest Coverage Ratio in top 20% of peers (2.91, 81th percentile)
  • Superior capital returns - 3 return metrics above peer median
  • Growth above peer median with strong metric coverage (75%)
  • Operating Margin in top 20% of peers (16.9%, 93th percentile)
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for HealthEquity, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.23
- - -
-62.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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