Stock Scorecard
Stock Summary for Healthequity Inc (HQY) - $84.81 as of 4/10/2026 6:16:40 PM EST
Total Score
13 out of 30
Safety Score
63 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for HQY
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HQY
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HQY
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HQY
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HQY (63 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 5 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 9 |
| Price to Earnings (Max of 10) | 5 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for HQY
Financial Details for HQY
Company Overview |
|
|---|---|
| Ticker | HQY |
| Company Name | Healthequity Inc |
| Country | USA |
| Description | HealthEquity, Inc. provides technology-enabled service platforms to consumers and employers in the United States. The company is headquartered in Draper, Utah. |
| Sector Name | HEALTHCARE |
| Industry Name | HEALTH INFORMATION SERVICES |
| Most Recent Quarter | 1/31/2026 |
| Next Earnings Date | 6/2/2026 |
Stock Price History |
|
| Last Day Price | 84.81 |
| Price 4 Years Ago | 61.64 |
| Last Day Price Updated | 4/10/2026 6:16:40 PM EST |
| Last Day Volume | 1,131,443 |
| Average Daily Volume | 959,719 |
| 52-Week High | 116.65 |
| 52-Week Low | 72.76 |
| Last Price to 52 Week Low | 16.56% |
Valuation Measures |
|
| Trailing PE | 32.48 |
| Industry PE | 142.37 |
| Sector PE | 59.23 |
| 5-Year Average PE | 35.07 |
| Free Cash Flow Ratio | 22.44 |
| Industry Free Cash Flow Ratio | 17.54 |
| Sector Free Cash Flow Ratio | 26.91 |
| Current Ratio Most Recent Quarter | 3.27 |
| Total Cash Per Share | 3.78 |
| Book Value Per Share Most Recent Quarter | 24.79 |
| Price to Book Ratio | 3.26 |
| Industry Price to Book Ratio | 2.89 |
| Sector Price to Book Ratio | 17.67 |
| Price to Sales Ratio Twelve Trailing Months | 5.29 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.08 |
| Sector Price to Sales Ratio Twelve Trailing Months | 21.38 |
| Analyst Buy Ratings | 8 |
| Analyst Strong Buy Ratings | 5 |
Share Statistics |
|
| Total Shares Outstanding | 84,478,000 |
| Market Capitalization | 7,164,579,180 |
| Institutional Ownership | 108.62% |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 92.40% |
| Annual Earnings Growth | 122.54% |
| Reported EPS 12 Trailing Months | 2.46 |
| Reported EPS Past Year | 4.01 |
| Reported EPS Prior Year | 3.13 |
| Net Income Twelve Trailing Months | 215,201,000 |
| Net Income Past Year | 215,201,000 |
| Net Income Prior Year | 96,703,000 |
| Quarterly Revenue Growth YOY | 7.30% |
| 5-Year Revenue Growth | 12.36% |
| Operating Margin Twelve Trailing Months | 21.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 318,927,000 |
| Total Cash Past Year | 318,927,000 |
| Total Cash Prior Year | 295,948,000 |
| Net Cash Position Most Recent Quarter | -638,452,000 |
| Net Cash Position Past Year | -638,452,000 |
| Long Term Debt Past Year | 957,379,000 |
| Long Term Debt Prior Year | 1,056,301,000 |
| Total Debt Most Recent Quarter | 957,379,000 |
| Equity to Debt Ratio Past Year | 0.69 |
| Equity to Debt Ratio Most Recent Quarter | 0.69 |
| Total Stockholder Equity Past Year | 2,107,196,000 |
| Total Stockholder Equity Prior Year | 2,114,911,000 |
| Total Stockholder Equity Most Recent Quarter | 2,107,196,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 408,500,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 4.84 |
| Free Cash Flow Past Year | 455,125,000 |
| Free Cash Flow Prior Year | 337,772,000 |
Options |
|
| Put/Call Ratio | 0.27 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.48 |
| MACD Signal | 0.59 |
| 20-Day Bollinger Lower Band | 70.92 |
| 20-Day Bollinger Middle Band | 84.81 |
| 20-Day Bollinger Upper Band | 98.70 |
| Beta | 0.26 |
| RSI | 56.45 |
| 50-Day SMA | 91.84 |
| 150-Day SMA | 84.13 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 4/16/2026 1:18:06 AM EST |