Stock Scorecard
Stock Summary for Healthequity Inc (HQY) - $90.99 as of 10/3/2025 4:09:06 PM EST
Total Score
9 out of 30
Safety Score
59 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 (59 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 10 |
| 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) | 4 |
| 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) | 2 |
| 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. is a leading provider of technology-driven solutions for health savings accounts (HSAs), flexible spending accounts (FSAs), and other consumer-directed benefits in the United States. Headquartered in Draper, Utah, the company empowers consumers and employers to manage their healthcare expenses more efficiently while promoting financial well-being. With a robust service platform that integrates seamlessly with various health plans, HealthEquity is poised to capitalize on the growing demand for innovative healthcare financing solutions in an evolving market. |
| Sector Name | HEALTHCARE |
| Industry Name | HEALTH INFORMATION SERVICES |
| Most Recent Quarter | 7/31/2025 |
| Next Earnings Date | 12/9/2025 |
Stock Price History |
|
| Last Day Price | 90.99 |
| Price 4 Years Ago | 44.24 |
| Last Day Price Updated | 10/3/2025 4:09:06 PM EST |
| Last Day Volume | 1,014,130 |
| Average Daily Volume | 1,153,194 |
| 52-Week High | 116.65 |
| 52-Week Low | 74.07 |
| Last Price to 52 Week Low | 22.84% |
Valuation Measures |
|
| Trailing PE | 54.35 |
| Industry PE | 86.07 |
| Sector PE | 41.81 |
| 5-Year Average PE | 40.26 |
| Free Cash Flow Ratio | 25.78 |
| Industry Free Cash Flow Ratio | 22.54 |
| Sector Free Cash Flow Ratio | 30.43 |
| Current Ratio Most Recent Quarter | 4.23 |
| Total Cash Per Share | 3.53 |
| Book Value Per Share Most Recent Quarter | 24.84 |
| Price to Book Ratio | 3.60 |
| Industry Price to Book Ratio | 4.80 |
| Sector Price to Book Ratio | 32.30 |
| Price to Sales Ratio Twelve Trailing Months | 6.09 |
| Industry Price to Sales Ratio Twelve Trailing Months | 5.59 |
| Sector Price to Sales Ratio Twelve Trailing Months | 20.26 |
| Analyst Buy Ratings | 9 |
| Analyst Strong Buy Ratings | 4 |
Share Statistics |
|
| Total Shares Outstanding | 86,156,000 |
| Market Capitalization | 7,839,334,440 |
| Institutional Ownership | 108.33% |
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 | 70.00% |
| Annual Earnings Growth | 73.58% |
| Reported EPS 12 Trailing Months | 1.65 |
| Reported EPS Past Year | 2.05 |
| Reported EPS Prior Year | 3.13 |
| Net Income Twelve Trailing Months | 145,837,000 |
| Net Income Past Year | 96,703,000 |
| Net Income Prior Year | 55,712,000 |
| Quarterly Revenue Growth YOY | 8.60% |
| 5-Year Revenue Growth | 17.66% |
| Operating Margin Twelve Trailing Months | 27.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 304,461,000 |
| Total Cash Past Year | 295,948,000 |
| Total Cash Prior Year | 403,979,000 |
| Net Cash Position Most Recent Quarter | -702,373,000 |
| Net Cash Position Past Year | -760,353,000 |
| Long Term Debt Past Year | 1,056,301,000 |
| Long Term Debt Prior Year | 874,972,000 |
| Total Debt Most Recent Quarter | 1,006,834,000 |
| Equity to Debt Ratio Past Year | 0.67 |
| Equity to Debt Ratio Most Recent Quarter | 0.68 |
| Total Stockholder Equity Past Year | 2,114,911,000 |
| Total Stockholder Equity Prior Year | 2,035,021,000 |
| Total Stockholder Equity Most Recent Quarter | 2,146,421,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 309,053,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.59 |
| Free Cash Flow Past Year | 337,772,000 |
| Free Cash Flow Prior Year | 196,752,000 |
Options |
|
| Put/Call Ratio | 0.62 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.47 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/4/2025 1:20:06 AM EST |