HealthEquity, Inc. (BIT:1HQY)

HealthEquity Statistics

Total Valuation

HealthEquity has a market cap or net worth of EUR 6.88 billion. The enterprise value is 7.52 billion.

Market Cap	6.88B
Enterprise Value	7.52B

Important Dates

The last earnings date was Tuesday, September 2, 2025.

Earnings Date	Sep 2, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	86.16M
Shares Outstanding	n/a
Shares Change (YoY)	+0.59%
Shares Change (QoQ)	-0.76%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	84.53M

Valuation Ratios

The trailing PE ratio is 53.93 and the forward PE ratio is 22.27.

PE Ratio	53.93
Forward PE	22.27
PS Ratio	6.20
PB Ratio	3.66
P/TBV Ratio	n/a
P/FCF Ratio	21.52
P/OCF Ratio	21.44
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 20.29, with an EV/FCF ratio of 23.53.

EV / Earnings	58.95
EV / Sales	6.96
EV / EBITDA	20.29
EV / EBIT	32.26
EV / FCF	23.53

Financial Position

The company has a current ratio of 4.23, with a Debt / Equity ratio of 0.49.

Current Ratio	4.23
Quick Ratio	3.57
Debt / Equity	0.49
Debt / EBITDA	2.43
Debt / FCF	2.89
Interest Coverage	4.33

Financial Efficiency

Return on equity (ROE) is 6.78% and return on invested capital (ROIC) is 5.25%.

Return on Equity (ROE)	6.78%
Return on Assets (ROA)	4.93%
Return on Invested Capital (ROIC)	5.25%
Return on Capital Employed (ROCE)	8.29%
Revenue Per Employee	356,343
Profits Per Employee	40,954
Employee Count	3,120
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, HealthEquity has paid 34.39 million in taxes.

Income Tax	34.39M
Effective Tax Rate	21.25%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	79.81
200-Day Moving Average	n/a
Relative Strength Index (RSI)	51.84
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	4.89

Income Statement

In the last 12 months, HealthEquity had revenue of EUR 1.11 billion and earned 127.49 million in profits. Earnings per share was 1.44.

Revenue	1.11B
Gross Profit	736.93M
Operating Income	239.20M
Pretax Income	161.88M
Net Income	127.49M
EBITDA	376.53M
EBIT	239.20M
Earnings Per Share (EPS)	1.44

Balance Sheet

The company has 266.16 million in cash and 922.30 million in debt, giving a net cash position of -656.14 million.

Cash & Cash Equivalents	266.16M
Total Debt	922.30M
Net Cash	-656.14M
Net Cash Per Share	n/a
Equity (Book Value)	1.88B
Book Value Per Share	21.71
Working Capital	328.92M

Cash Flow

In the last 12 months, operating cash flow was 320.75 million and capital expenditures -1.29 million, giving a free cash flow of 319.45 million.

Operating Cash Flow	320.75M
Capital Expenditures	-1.29M
Free Cash Flow	319.45M
FCF Per Share	n/a

Margins

Gross margin is 66.43%, with operating and profit margins of 21.56% and 11.49%.

Gross Margin	66.43%
Operating Margin	21.56%
Pretax Margin	14.59%
Profit Margin	11.49%
EBITDA Margin	33.94%
EBIT Margin	21.56%
FCF Margin	28.80%

Dividends & Yields

HealthEquity does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.59%
Shareholder Yield	n/a
Earnings Yield	1.85%
FCF Yield	4.65%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

HealthEquity has an Altman Z-Score of 4.69 and a Piotroski F-Score of 8.

Altman Z-Score	4.69
Piotroski F-Score	8