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HealthEquity, Inc (HQY)
Price$86.33
Favorite Metrics
Price vs S&P 500 (26W)-13.70%
Price vs S&P 500 (4W)-3.30%
Market Capitalization$7.25B
P/E Ratio (Annual)33.69x
All Metrics
P/CF (Annual)15.86x
Book Value / Share (Quarterly)$24.79
P/TBV (Annual)7.37x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)15.08%
Cash Flow / Share (Quarterly)$4.80
Price vs S&P 500 (YTD)-10.22%
Gross Margin (TTM)69.52%
Net Profit Margin (TTM)16.38%
EPS (TTM)$2.46
10-Day Avg Trading Volume1.07M
EPS Excl Extra (TTM)$2.46
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)$3.75
P/E Basic Excl Extra (TTM)33.69x
Revenue Growth QoQ (YoY)7.30%
EPS Growth (5Y)83.98%
P/E Normalized (Annual)33.69x
ROA (Last FY)6.37%
Revenue Growth TTM (YoY)9.47%
EBITD / Share (TTM)$4.93
ROE (5Y Avg)2.75%
Operating Margin (TTM)24.55%
Cash Flow / Share (Annual)$4.80
P/B Ratio3.44x
P/B Ratio (Quarterly)3.53x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)6.01x
Net Interest Coverage (TTM)7.11x
ROA (TTM)6.32%
EPS Growth QoQ (YoY)94.62%
EV / EBITDA (TTM)18.31x
EPS Incl Extra (Annual)$2.46
Current Ratio (Annual)3.27x
Quick Ratio (Quarterly)3.27x
3-Month Avg Trading Volume0.99M
52-Week Price Return4.30%
EV / Free Cash Flow (Annual)19.32x
P/E Incl Extra (TTM)33.69x
Revenue / Employee (TTM)$0
Tangible BV / Share (Quarterly)$11.88
P/S Ratio (Annual)5.52x
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-4.95%
Quick Ratio (Annual)3.27x
13-Week Price Return0.51%
Total Debt / Equity (Annual)0.45x
Current Ratio (Quarterly)3.27x
Enterprise Value$7,888.811
Revenue / Share Growth (5Y)9.15%
Asset Turnover (TTM)0.39x
Book Value / Share Growth (5Y)6.77%
Revenue / Employee (Annual)$0
Inventory Turnover (Annual)234.47x
Pretax Margin (Annual)21.12%
Cash / Share (Annual)$3.75
3-Month Return Std Dev34.77%
Gross Margin (5Y Avg)61.89%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)30.45%
EBITDA Interim CAGR (5Y)32.16%
ROE (Last FY)10.21%
Net Interest Coverage (Annual)7.11x
EPS Basic Excl Extra (Annual)$2.46
P/FCF (TTM)17.76x
Receivables Turnover (TTM)10.87x
EV / Free Cash Flow (TTM)19.32x
Total Debt / Equity (Quarterly)0.45x
EPS Incl Extra (TTM)$2.46
Receivables Turnover (Annual)10.87x
ROI (TTM)6.88%
P/S Ratio (TTM)5.52x
Pretax Margin (5Y Avg)5.01%
Revenue / Share (Annual)$15.02
Tangible BV / Share (Annual)$11.88
Forward P/E18.66x
Free OCF CAGR (5Y)36.98%
Price vs S&P 500 (52W)-30.79%
P/E Ratio (TTM)33.69x
EPS Growth TTM (YoY)125.80%
Year-to-Date Return-6.08%
5-Day Price Return7.67%
EPS Normalized (Annual)$2.46
ROA (5Y Avg)1.73%
Net Profit Margin (Annual)16.38%
Month-to-Date Return2.96%
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)15.86x
ROI (5Y Avg)1.89%
P/E Excl Extra (TTM)33.69x
LT Debt / Equity (Quarterly)0.45x
EPS Basic Excl Extra (TTM)$2.46
P/TBV (Quarterly)7.37x
P/B Ratio (Annual)3.53x
Inventory Turnover (TTM)621.67x
Pretax Margin (TTM)21.12%
Book Value / Share (Annual)$24.79
Price vs S&P 500 (13W)-2.35%
Net Margin Growth (5Y)68.67%
Beta0.23x
P/FCF (Annual)17.76x
Revenue / Share (TTM)$15.19
ROE (TTM)10.11%
52-Week Low$72.76
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.20
4.15
4.15
4.15
Industry Peers — Business Services(98)
| Symbol | P/E Ratio (Annual) | Revenue Growth (5Y) | Operating Margin (TTM) | ROE (TTM) | Price |
|---|---|---|---|---|---|
HQYHealthEquity, Inc | 33.69x | 12.36% | 24.55% | 10.11% | $86.33 |
VVISA Inc. | 29.84x | 12.86% | 59.18% | 54.22% | $313.94 |
MAMastercard Incorporated | 30.82x | 16.47% | 57.63% | 198.48% | $516.65 |
UBERUber Technologies, Inc. | 15.70x | 36.10% | 10.70% | 40.31% | $77.49 |
ACNAccenture PLC | 15.73x | 9.47% | 14.42% | 24.71% | $195.06 |
MELIMercado Libre, Inc | 46.96x | 48.70% | 11.08% | 33.73% | $1870.08 |
DASHDoorDash, Inc. Class A Common Stock | 85.44x | 36.58% | 5.27% | 10.15% | $189.80 |
RELXRELX PLC | 23.49x | 3.10% | 27.65% | 90.85% | $36.74 |
EBAYeBay Inc | 23.43x | 4.53% | 20.51% | 42.68% | $107.13 |
PYPLPayPal Holdings, Inc. Common Stock | 9.05x | 9.11% | 18.28% | 25.87% | $51.46 |
BABAAlibaba Group Holding Limited American Depositary Shares, each represents eight Ordinary Shares | 15.46x | 14.35% | 7.82% | 9.06% | $140.17 |
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.