HQY

HealthEquity, Inc. · NASDAQ · Healthcare · USD · 10-K for 2026, filed 2026-03-17

Figures on this page computed 2026-11-08 12:27 UTC

Last close

108.84USD

Market data, 2026-11-04

HQY: weekly closes from 93.71 on 2025-11-07 to 108.84 on 2026-11-04, a move of +16.1%. Prices in USD.

Weekly closes, 2025-11-07 to 2026-11-04

Over that span: +16.1%

Except where said otherwise: 10-K for 2026, filed 2026-03-17

41.5xP/E
Price / Earnings per Share (diluted)
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- computed
- 10-K for 2026, filed 2026-03-17
The filing itself
9.0%ROIC
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself
16.4%Net margin
Net Income / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
34.6%FCF margin
Free Cash Flow / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
0.48Debt/equity
Total Debt / Shareholders' Equity
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself
n/aDividend yield
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

Price is the furthest below its sector's middle: 0.22 against 0.36 on the market's range.

What it pays out: n/aWe do not hold this figure for this company, so there is nothing to place.

Five bars, one line

lens 7 of 9

1.85x

4.36x

2.52x

1.21x

1.55x

SalesProfitFree cash flowDebtPrice

Each bar against this company's own average; the line is that average.

Filed2026

Market data2026-11-04

Each against its own average

5 of 5 read

Except where said otherwise: 10-K for 2026, filed 2026-03-17

Sales1.85x
Its own average over 10 years, 709.2M.
Profit4.36x
Its own average over 10 years, 49.3M.
Free cash flow2.52x
Its own average over 10 years, 180.7M.
Debt1.21x
Its own average over 9 years, 824.7M.
Price1.55x
Its own average over 11 years, 70. Market data, 2026-11-04

Profit is furthest from its own average, at 4.36 times.

The filed years, as a table

Each line is 100 at 2017-01-31, the first year we hold.

Filed year	Sales	Profit	Shares in issue
2017-01-31	100.0	100.0	100.0
2018-01-31	128.7	179.6	103.3
2019-01-31	161.0	280.2	105.8
2020-01-31	298.3	150.4	114.3
2021-01-31	411.3	33.5	126.4
2022-01-31	424.1	-167.9	138.8
2023-01-31	483.1	-99.1	141.0
2024-01-31	560.4	211.2	145.2
2025-01-31	672.6	366.6	148.3
2026-01-31	736.4	815.9	146.0

How sales was got

Source: filed
Statement: income
Fiscal year: 2026
Accession: 0001428336-26-000010
Reported in: USD

The filing itself

How profit was got

Source: filed
Statement: income
Fiscal year: 2026
Accession: 0001428336-26-000010
Reported in: USD

The filing itself

How shares in issue was got

Source: filed
Statement: income
Fiscal year: 2026
Accession: 0001428336-26-000010
Reported in: USD

The filing itself

Figures behind the shape

Growth

12.4%

faster is higher, placed against 4,950 companies as of 2026-11-07

Five-year revenue growth rate12.4%
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
Five-year EPS growth rate83.5%
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
One-year change in net income122.5%
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

Returns on capital

9.0%

higher is higher, placed against 5,089 companies as of 2026-11-07

Return on invested capital9.0%
NOPAT / Invested Capital x 100, where NOPAT = Operating Income x (1 - Tax Rate) and Invested Capital = Equity + Total Debt - Cash
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself
Return on equity10.2%
Net Income / Shareholders' Equity x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself
Return on assets6.4%
Net Income / Total Assets x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself

Margins

69.5%

wider is higher, placed against 3,412 companies as of 2026-11-07

Gross margin69.5%
Gross Profit / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
Operating margin24.6%
Operating Income / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
Net margin16.4%
Net Income / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
Free cash flow margin34.6%
Free Cash Flow / Revenue x 100
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself

Price

41.5x

cheaper is higher, placed against 4,362 companies as of 2026-11-07

Price to earnings41.5x
Price / Earnings per Share (diluted)
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- computed
- 10-K for 2026, filed 2026-03-17
The filing itself
Price to book4.3x10-Q for 2026, filed 2026-08-27
Price / Book Value per Share, where BVPS = Shareholders' Equity / Diluted Shares
Source
computed
Fiscal year
2026
Accession
0001428336-26-000041
Reported in
USD
- computed
- 10-Q for 2026, filed 2026-08-27
- computed
- 10-K for 2026, filed 2026-03-17
The filing itself
EV to EBITDA20.4x
Enterprise Value / EBITDA, where EV = Market Cap + Total Debt - Cash
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- computed
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
- 10-K for 2026, filed 2026-03-17
The filing itself
Price to sales ratio6.9x
Market Cap / Revenue, where Market Cap = Price x Diluted Shares
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- computed
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself

Safety

0.48

safer is higher, placed against 3,227 companies as of 2026-11-07

Debt to equity0.48
Total Debt / Shareholders' Equity
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-Q for 2026, filed 2026-08-27
The filing itself
Current ratio3.2710-Q for 2026, filed 2026-08-27
Current Assets / Current Liabilities
Source
computed
Fiscal year
2026
Accession
0001428336-26-000041
Reported in
USD
- 10-Q for 2026, filed 2026-08-27
- 10-Q for 2026, filed 2026-08-27
The filing itself
Interest coverage5.6x
Operating Income / Interest Expense
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
Altman Z-Score5.18
1.2 x A + 1.4 x B + 3.3 x C + 0.6 x D + 1.0 x E (A=WC/TA, B=RE/TA, C=EBIT/TA, D=MktCap/TL, E=Rev/TA)
Source
computed
Taken on
2026-11-07
Reported in
USD
- Computed from the 10-K for 2026, filed 2026-03-17
- Computed from the 10-K for 2026, filed 2026-03-17
- Computed from the 10-K for 2026, filed 2026-03-17
- Computed from the 10-K for 2026, filed 2026-03-17
- Computed from the 10-K for 2026, filed 2026-03-17

What it pays out

n/a

We do not hold this figure for this company, so there is nothing to place.

more, and better covered, is higher, with no cohort held

Dividend yieldn/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed
Payout ration/a
We do not hold this figure for this company, so there is nothing to place.
Common Dividends Paid / Net Income x 100, both from the latest filed fiscal year
Source
computed
Fiscal year
2026
Accession
0001428336-26-000010
Reported in
USD
- 10-K for 2026, filed 2026-03-17
- Computed from the 10-K for 2026, filed 2026-03-17
- 10-K for 2026, filed 2026-03-17
The filing itself
Dividend cover ration/a
We do not hold this figure for this company, so there is nothing to place.
Source
computed
Taken on
2026-11-07
Reported in
USD
- computed

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