HealthEquity, Inc (HQY) Stock Price

HQYStock

$92.03+1.09%52W

Market Cap$7.61B

P/E35.37x

PEG Ratio1.11

Div yield—

Beta0.21

HQY Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)3.21%

Price vs S&P 500 (4W)-1.31%

PEG Ratio1.11

VGM Score54.25

P/E Ratio (Annual)35.37x

P/CF (Annual)16.65x

Book Value / Share (Quarterly)$24.00

P/TBV (Annual)7.37x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)15.08%

Cash Flow / Share (Quarterly)$5.27

Price vs S&P 500 (YTD)-11.47%

Gross Margin (TTM)71.25%

Net Profit Margin (TTM)17.36%

EPS (TTM)$2.77

10-Day Avg Trading Volume0.75M

EPS Excl Extra (TTM)$2.77

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)$3.09

P/E Basic Excl Extra (TTM)32.19x

Revenue Growth QoQ (YoY)7.64%

EPS Growth (5Y)83.98%

P/E Normalized (Annual)35.37x

ROA (Last FY)6.37%

Revenue Growth TTM (YoY)7.34%

EBITD / Share (TTM)$5.35

ROE (5Y Avg)2.75%

Operating Margin (TTM)25.80%

Cash Flow / Share (Annual)$4.80

P/B Ratio3.83x

P/B Ratio (Quarterly)4.23x

Net Income / Employee (Annual)$76,500

EV / Revenue (TTM)6.08x

Net Interest Coverage (TTM)7.11x

ROA (TTM)7.08%

EPS Growth QoQ (YoY)14.54%

EV / EBITDA (TTM)18.09x

EPS Incl Extra (Annual)$2.46

Current Ratio (Annual)3.27x

Quick Ratio (Quarterly)2.99x

3-Month Avg Trading Volume0.87M

52-Week Price Return1.09%

EV / Free Cash Flow (Annual)20.30x

P/E Incl Extra (TTM)32.19x

Revenue / Employee (TTM)$484,100

Tangible BV / Share (Quarterly)$11.37

P/S Ratio (Annual)5.80x

Asset Turnover (Annual)0.39x

52-Week High$107.62

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 Return13.11%

Quick Ratio (Annual)3.27x

13-Week Price Return-5.77%

Total Debt / Equity (Annual)0.45x

Current Ratio (Quarterly)2.99x

Enterprise Value$8.29B

Revenue / Share Growth (5Y)9.15%

Asset Turnover (TTM)0.41x

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 Dev33.03%

Gross Margin (5Y Avg)61.89%

Net Income / Employee (TTM)$84,000

EBITDA CAGR (5Y)31.62%

EBITDA Interim CAGR (5Y)47.75%

ROE (Last FY)10.21%

Net Interest Coverage (Annual)8.14x

EPS Basic Excl Extra (Annual)$2.46

P/FCF (TTM)17.43x

Receivables Turnover (TTM)11.67x

EV / Free Cash Flow (TTM)18.98x

Total Debt / Equity (Quarterly)0.47x

EPS Incl Extra (TTM)$2.77

Receivables Turnover (Annual)10.87x

ROI (TTM)7.82%

P/S Ratio (TTM)5.59x

Pretax Margin (5Y Avg)5.01%

Revenue / Share (Annual)$15.02

Tangible BV / Share (Annual)$11.88

Forward P/E17.60x

Free OCF CAGR (5Y)36.98%

Price vs S&P 500 (52W)-14.44%

P/E Ratio (TTM)32.19x

EPS Growth TTM (YoY)67.55%

Year-to-Date Return0.46%

5-Day Price Return0.00%

EPS Normalized (Annual)$2.46

ROA (5Y Avg)1.73%

Net Profit Margin (Annual)16.38%

Month-to-Date Return4.04%

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)15.53x

ROI (5Y Avg)1.89%

P/E Excl Extra (TTM)32.19x

LT Debt / Equity (Quarterly)0.47x

EPS Basic Excl Extra (TTM)$2.77

P/TBV (Quarterly)8.93x

P/B Ratio (Annual)3.53x

Inventory Turnover (TTM)621.67x

Pretax Margin (TTM)22.66%

Book Value / Share (Annual)$24.79

Price vs S&P 500 (13W)-8.46%

Net Margin Growth (5Y)68.67%

Beta0.21x

P/FCF (Annual)18.64x

Revenue / Share (TTM)$16.21

ROE (TTM)11.43%

52-Week Low$72.76

vGradeD

gGradeB

mGradeB

vgmGradeC

HQY Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 27, 2026	$1.19	$1.24	+3.91%(+$0.05)
Q1 2026	May 28, 2026	$1.12	$1.24	+11.18%(+$0.12)
Q4 2025	Mar 17, 2026	$0.90	$0.95	+5.81%(+$0.05)
Q3 2025	Dec 3, 2025	$0.91	$1.01	+10.71%(+$0.10)
Q2 2025	Sep 2, 2025	$0.92	$1.08	+17.68%(+$0.16)

HQY Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.20

4.30

Industry Peers — Business Services(124)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	Revenue Growth (5Y)	Operating Margin (TTM)	ROE (TTM)	Price
HQYHealthEquity, Inc	D	B	B	35.4x	12.4%	25.8%	11.4%	$92.03
VVISA Inc.	F	C	B	37.5x	12.9%	60.7%	61.3%	$402.61
MAMastercard Incorporated	F	B	B	36.1x	16.5%	58.3%	232.5%	$617.42
QHQuhuo Limited Class A Ordinary Shares	B	F	C	98.9x	-0.4%	-7.0%	-39.0%	$3.35
BABAAlibaba Group Holding Limited American Depositary Shares, each represents eight Ordinary Shares	C	D	C	17.0x	7.4%	2.9%	7.0%	$109.11
UBERUber Technologies, Inc.	C	B	C	14.3x	36.1%	12.1%	35.7%	$70.35
ACNAccenture PLC	C	C	A	16.8x	8.0%	15.4%	26.7%	$229.68
PDDPDD Holdings Inc. American Depositary Shares	B	C	C	8.0x	48.6%	21.9%	22.0%	$80.97
MELIMercado Libre, Inc	C	B	C	46.6x	48.7%	8.3%	26.5%	$1834.00
DASHDoorDash, Inc. Class A Common Stock	F	B	C	87.7x	36.6%	4.5%	8.5%	$189.15
RELXRELX PLC	D	C	B	24.3x	6.2%	32.6%	125.5%	$39.06
EBAYeBay Inc	D	D	B	26.4x	4.5%	20.5%	48.3%	$120.28
PYPLPayPal Holdings, Inc. Common Stock	B	D	B	9.3x	9.1%	17.4%	24.4%	$56.70
MSCIMSCI, Inc.	D	C	B	34.4x	13.1%	55.7%	108.7%	$569.08
CPAYCorpay, Inc.	C	C	B	24.5x	13.6%	43.6%	30.4%	$399.84
FISVFiserv, Inc. Common Stock	B	C	C	7.3x	7.4%	23.1%	10.8%	$47.55
TCOMTrip.com Group Limited American Depositary Shares	B	B	B	5.1x	27.8%	16.1%	14.6%	$40.01
GPNGlobal Payments, Inc.	C	C	B	15.8x	0.8%	12.4%	-4.0%	$83.67
BRBroadridge Financial Solutions Inc	C	C	B	17.6x	8.4%	17.4%	40.2%	$175.11
FISFidelity National Information Services, Inc.	B	C	C	48.6x	-3.2%	15.7%	22.6%	$36.01
KSPIJoint Stock Company Kaspi.kz American Depository Shares	C	C	B	17.2x	—	—	42.5%	$93.18
FICOFair Isaac Corporation	D	B	D	25.5x	9.0%	51.6%	145.7%	$771.19
RBARB Global, Inc.	D	C	C	37.8x	27.2%	16.0%	8.0%	$84.30
CSGPCoStar Group Inc	D	C	C	1870.3x	14.4%	2.2%	0.9%	$32.31
AKAMAkamai Technologies Inc	C	D	C	27.9x	5.6%	10.5%	8.5%	$87.81
GRABGrab Holdings Limited Class A Ordinary Shares	D	A	D	44.7x	48.4%	3.2%	9.0%	$2.94
CARTMaplebear Inc. Common Stock	C	C	A	25.8x	20.4%	14.7%	16.7%	$49.83
WSEWise Group plc Class A Ordinary Shares	B	B	D	21.5x	42.8%	28.1%	42.3%	$10.98
PAYPPayPay Corporation American Depository Shares	C	B	C	13.5x	—	23.2%	36.2%	$15.68
ETSYEtsy, Inc.	C	D	B	47.9x	10.8%	16.0%	67.9%	$85.14
ZGZILLOW GROUP INC CLASS A	C	C	C	274.7x	-5.0%	0.4%	1.2%	$31.88
ZZillow Group, Inc. Class C Capital Stock	C	C	C	274.7x	-5.0%	0.4%	1.2%	$30.82
LYFTLyft, Inc. Class A Common Stock	B	B	B	2.2x	21.7%	-1.8%	115.8%	$16.82
WEXWEX Inc.	C	C	B	21.2x	11.3%	25.5%	28.2%	$182.01
EXLSExlService Holdings, Inc.	C	C	A	23.9x	16.9%	14.9%	28.5%	$39.52
MBGLMobility Global Inc.	B	C	B	25.0x	—	18.8%	—	$18.69
RELYRemitly Global, Inc. Common Stock	C	A	B	75.3x	44.8%	9.4%	33.0%	$24.16
XMTRXometry, Inc. Class A Common Stock	F	A	B	—	37.2%	-3.8%	-8.7%	$90.91
AMTMAmentum Holdings, Inc.	B	B	C	72.3x	—	4.0%	4.4%	$19.52
DLODLocal Limited Class A Common Shares	C	A	B	21.0x	60.0%	17.4%	37.6%	$14.67
SEZLSezzle Inc. Common Stock	D	A	B	32.4x	50.3%	40.4%	85.5%	$127.65
PAYPaymentus Holdings, Inc.	D	B	B	59.3x	31.7%	7.6%	14.8%	$31.54
TNETTRINET GROUP, INC.	C	D	A	20.9x	4.4%	6.2%	188.2%	$70.70
MMSMAXIMUS, Inc.	B	C	B	10.1x	9.4%	11.0%	21.7%	$61.47
FOURShift4 Payments, Inc.	B	B	C	26.2x	40.4%	7.9%	6.6%	$39.43
CBZCBIZ, Inc.	B	C	B	26.1x	23.4%	9.3%	7.1%	$54.78
PAYOPayoneer Global Inc. Common Stock	C	D	B	33.0x	—	11.7%	10.0%	$7.12
FLYWFlywire Corporation Voting Common Stock	D	B	B	166.5x	36.4%	5.5%	4.1%	$18.47
WUThe Western Union Company	A	F	C	3.7x	-3.5%	15.9%	42.6%	$6.17
TICTIC Solutions, Inc	C	A	B	—	—	-2.1%	-5.5%	$8.65
ACVAACV Auctions Inc.	D	B	A	—	29.5%	-7.1%	-15.0%	$10.50

About HealthEquity, Inc

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.