HQY
Healthequity, Inc. Industrials Services-Business Services, NEC Russell 3000
$102.47Close
$8.7BMarket cap
$73.21 – $106.7952-week range
Dec 2, 2026Next report
Highlights
Strengths
- Near its high 4% below its 52-week high
Cautions
- Trend not confirmed 7 of 8 conditions · RS under 70
- Past its pivot 9.1% above its $93.96 pivot
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
4%
1wk
down 1.4%
price change
1mo
up 15.8%
price change
12-month return
up 10%
market up 11% ·
its own down 2%
F-score
9 / 9
Exceptional
Altman Z″
3.26
Low risk
P/E
40.5×
price / earnings
PEG
0.32
P/E / EPS growth
P/B
4.1×
price / book
Earnings yield
up 3.4%
EBIT / enterprise value
Cheaper than
53%
of the market · around average
Revenue growth
up 9%
year on year
EPS growth
up 15%
latest quarter · -19 pts
Sales growth
up 8%
latest quarter · +0 pts
ROE
up 10%
return on equity
Free cash margin
up 35%
$455.1M FCF
D/E
0.45
long-term debt / equity
Net debt / EBITDA
1.3×
Interest cover
—EBIT / interest
Piotroski tests
- profitable on its assets
- generating cash from operations
- profitability improving
- profits backed by cash
- reduced long-term debt
- short-term liquidity improved
- no new shares issued
- gross margin widened
- assets working harder
Repair signals
- Long-term debt down 9% ($1.1B → $1.0B)
- Gross margin 64.8% → 69.5%
Trade setup
ATR%
2.7%
$2.73 a day · 2×ATR $97.01
RS
62 / 99
vs the universe
Trend
7 / 8
RS under 70
Relative volume
0.8×
vs 50-day average
Up/down volume
1.08
50 sessions
Implied move
—
no option chain · report Dec 2, 2026
Contractions
3
18% → 12% → 5%
Pivot
$93.96
9.1% above
Volume dry-up
0.9×
10 vs 50 sessions
Trend template · 7 of 8
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- No restatement or impairment
- Equity positive
- Interest covered
- No material dilution
- Profits tracking cash
- Margins and revenue not shrinking
Last reported
Aug 27, 2026
Last shock
Aug 27, 2026-11% in one session3.8× volumeon results+10% since
Financials
- Gross 70%
- Net 16%
- Free cash 35%
- Cash
- Long-term debt
| FY2021Jan 31, 2021 | FY2022Jan 31, 2022 | FY2023Jan 31, 2023 | FY2024Jan 31, 2024 | FY2025Jan 31, 2025 | FY2026Jan 31, 2026 | |
|---|---|---|---|---|---|---|
| Revenue | $733.6M | $756.6M | $861.7M | $999.6M | $1.2B | $1.3B |
| Gross margin | 57% | 56% | 57% | 62% | 65% | 70% |
| Operating income | $34.0M | -$24.2M | $9.1M | $117.7M | $162.3M | $322.5M |
| Net income | $8.8M | -$44.3M | -$26.1M | $55.7M | $96.7M | $215.2M |
| Net margin | 1% | -6% | -3% | 6% | 8% | 16% |
| Earnings per share | $0.12 | -$0.53 | -$0.31 | $0.64 | $1.09 | $2.46 |
| Free cash flow | $168.5M | $132.1M | $147.3M | $241.1M | $337.8M | $455.1M |
| Free cash margin | 23% | 17% | 17% | 24% | 28% | 35% |
| Cash | $328.8M | $225.4M | $254.3M | $404.0M | $295.9M | $318.9M |
| Long-term debt | $924.2M | $922.1M | $907.8M | $875.0M | $1.1B | $957.4M |
| Shareholders' equity | $1.4B | $1.9B | $1.9B | $2.0B | $2.1B | $2.1B |
| Shares outstanding | 77.17m | 83.78m | 84.76m | 86.13m | 86.54m | 85.01m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 27, 2026 | Quarterly ↗ | Jul 31, 2026 | 27d |
| May 28, 2026 | Quarterly ↗ | Apr 30, 2026 | 28d |
| Mar 17, 2026 | Annual ↗ | Jan 31, 2026 | 45d |
| Dec 3, 2025 | Quarterly ↗ | Oct 31, 2025 | 33d |
| Sep 2, 2025 | Quarterly ↗ | Jul 31, 2025 | 33d |
| Jun 3, 2025 | Quarterly ↗ | Apr 30, 2025 | 34d |
| Mar 18, 2025 | Annual ↗ | Jan 31, 2025 | 46d |
| Dec 9, 2024 | Quarterly ↗ | Oct 31, 2024 | 39d |
| Sep 3, 2024 | Quarterly ↗ | Jul 31, 2024 | 34d |
| Jun 3, 2024 | Quarterly ↗ | Apr 30, 2024 | 34d |
| Mar 22, 2024 | Annual ↗ | Jan 31, 2024 | 51d |
| Dec 5, 2023 | Quarterly ↗ | Oct 31, 2023 | 35d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 9, 2026 | Director or officer change ↗ |
| Sep 30, 2026 | Director or officer change · Regulation FD ↗ |
| Aug 27, 2026 | Results ↗ |
| Jun 26, 2026 | Shareholder vote ↗ |
| May 28, 2026 | Results ↗ |
| May 8, 2026 | Director or officer change ↗ |
| Apr 6, 2026 | Director or officer change ↗ |
| Mar 30, 2026 | Director or officer change · Regulation FD ↗ |
| Mar 17, 2026 | Results ↗ |
| Feb 17, 2026 | Results ↗ |
| Jan 12, 2026 | Regulation FD ↗ |
| Dec 3, 2025 | Results ↗ |