HealthEquity, Inc (HQY)

Price$88.67

Value ScoreD

Growth ScoreB

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-23.62%

Price vs S&P 500 (4W)4.52%

VGM Score55.00

Market Capitalization$7.41B

P/E Ratio (Annual)34.45x

All Metrics

P/CF (Annual)16.22x

Book Value / Share (Quarterly)$24.51

P/TBV (Annual)7.37x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)15.08%

Cash Flow / Share (Quarterly)$5.25

Price vs S&P 500 (YTD)-11.37%

Gross Margin (TTM)70.68%

Net Profit Margin (TTM)17.25%

EPS (TTM)$2.67

10-Day Avg Trading Volume1.16M

EPS Excl Extra (TTM)$2.67

Revenue Growth (5Y)12.36%

EPS (Annual)$2.46

ROI (Annual)7.02%

Gross Margin (Annual)69.52%

Net Profit Margin (5Y Avg)4.23%

Cash / Share (Quarterly)$3.16

P/E Basic Excl Extra (TTM)32.13x

Revenue Growth QoQ (YoY)7.19%

EPS Growth (5Y)83.98%

P/E Normalized (Annual)34.45x

ROA (Last FY)6.37%

Revenue Growth TTM (YoY)7.58%

EBITD / Share (TTM)$5.20

ROE (5Y Avg)2.75%

Operating Margin (TTM)25.60%

Cash Flow / Share (Annual)$4.80

P/B Ratio3.60x

P/B Ratio (Quarterly)3.37x

Net Income / Employee (Annual)$76,500

EV / Revenue (TTM)6.05x

Net Interest Coverage (TTM)7.11x

ROA (TTM)6.84%

EPS Growth QoQ (YoY)33.91%

EV / EBITDA (TTM)17.99x

EPS Incl Extra (Annual)$2.46

Current Ratio (Annual)3.27x

Quick Ratio (Quarterly)3.71x

3-Month Avg Trading Volume0.98M

52-Week Price Return-21.32%

EV / Free Cash Flow (Annual)19.81x

P/E Incl Extra (TTM)32.13x

Revenue / Employee (TTM)$475,200

Tangible BV / Share (Quarterly)$11.73

P/S Ratio (Annual)5.64x

Asset Turnover (Annual)0.39x

52-Week High$116.65

Operating Margin (5Y Avg)9.10%

EPS Excl Extra (Annual)$2.46

CapEx CAGR (5Y)-12.84%

Tangible BV CAGR (5Y)10.55%

26-Week Price Return-15.70%

Quick Ratio (Annual)3.27x

13-Week Price Return10.90%

Total Debt / Equity (Annual)0.45x

Current Ratio (Quarterly)3.71x

Enterprise Value$8.09B

Revenue / Share Growth (5Y)9.15%

Asset Turnover (TTM)0.40x

Book Value / Share Growth (5Y)6.77%

Revenue / Employee (Annual)$466,700

Inventory Turnover (Annual)234.47x

Pretax Margin (Annual)21.12%

Cash / Share (Annual)$3.75

3-Month Return Std Dev36.93%

Gross Margin (5Y Avg)61.89%

Net Income / Employee (TTM)$82,000

EBITDA CAGR (5Y)31.62%

EBITDA Interim CAGR (5Y)48.17%

ROE (Last FY)10.21%

Net Interest Coverage (Annual)7.80x

EPS Basic Excl Extra (Annual)$2.46

P/FCF (TTM)16.81x

Receivables Turnover (TTM)11.22x

EV / Free Cash Flow (TTM)18.35x

Total Debt / Equity (Quarterly)0.46x

EPS Incl Extra (TTM)$2.67

Receivables Turnover (Annual)10.87x

ROI (TTM)7.49%

P/S Ratio (TTM)5.54x

Pretax Margin (5Y Avg)5.01%

Revenue / Share (Annual)$15.02

Tangible BV / Share (Annual)$11.88

Forward P/E17.82x

Free OCF CAGR (5Y)36.98%

Price vs S&P 500 (52W)-45.69%

P/E Ratio (TTM)32.13x

EPS Growth TTM (YoY)94.23%

Year-to-Date Return-3.21%

5-Day Price Return-2.17%

EPS Normalized (Annual)$2.46

ROA (5Y Avg)1.73%

Net Profit Margin (Annual)16.38%

Month-to-Date Return0.77%

Cash Flow / Share (TTM)$2.00

EBITD / Share (Annual)$4.92

Operating Margin (Annual)24.55%

LT Debt / Equity (Annual)0.45x

P/CF (TTM)15.13x

ROI (5Y Avg)1.89%

P/E Excl Extra (TTM)32.13x

LT Debt / Equity (Quarterly)0.46x

EPS Basic Excl Extra (TTM)$2.67

P/TBV (Quarterly)7.04x

P/B Ratio (Annual)3.53x

Inventory Turnover (TTM)621.67x

Pretax Margin (TTM)22.35%

Book Value / Share (Annual)$24.79

Price vs S&P 500 (13W)2.65%

Net Margin Growth (5Y)68.67%

Beta0.22x

P/FCF (Annual)18.16x

Revenue / Share (TTM)$15.73

ROE (TTM)10.94%

52-Week Low$72.76

vGradeD

gGradeB

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 271.24est. 1.13

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

4.15

4.20

Industry Peers — Business Services(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
HQYHealthEquity, Inc	D	B	B	$88.67
VVISA Inc.	D	C	B	$323.57
MAMastercard Incorporated	D	B	C	$491.08
UBERUber Technologies, Inc.	C	C	C	$70.71
ACNAccenture PLC	B	C	D	$178.25
MELIMercado Libre, Inc	C	B	C	$1607.80
DASHDoorDash, Inc. Class A Common Stock	D	B	C	$156.80
RELXRELX PLC	D	C	C	$35.15
EBAYeBay Inc	D	D	A	$109.35
MSCIMSCI, Inc.	D	C	B	$615.46
BABAAlibaba Group Holding Limited American Depositary Shares, each represents eight Ordinary Shares	C	D	B	$121.06

About

HealthEquity administers tax-advantaged health savings accounts and consumer-directed benefits for employers and their employees, including HSAs, FSAs, and HRAs. The company's platform delivers payment processing, benefit information, wellness incentives, and investment advisory services. Revenue is generated exclusively in the United States.