HealthEquity, Inc. (HQY)
NASDAQ: HQY · Real-Time Price · USD
100.99
-3.14 (-3.02%)
Jul 30, 2026, 4:00 PM EDT - Market closed
HealthEquity Financials Overview
Financials in millions USD. Fiscal year is February - January.
Millions USD. Fiscal year is Feb - Jan.
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
Revenue Revenue Growth | 1,337 | 1,313 | 1,200 | 999.59 | 861.75 | 756.56 |
Revenue Growth | 7.58% | 9.47% | 20.03% | 16.00% | 13.90% | 3.13% |
Gross Profit Gross Profit Growth | 945.12 | 913.12 | 777.26 | 622.64 | 491.94 | 424.77 |
Operating Income Operating Income Growth | 342.33 | 322.46 | 162.33 | 117.7 | 9.06 | -24.24 |
Net Income Net Income Growth | 111.55 | 215.2 | 96.7 | 55.71 | -26.14 | -44.29 |
Earnings Per Share EPS Growth | 2.67 | 2.46 | 1.09 | 0.64 | -0.31 | -0.53 |
EPS Growth | 94.89% | 125.69% | 70.31% | - | - | - |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
Service Service Growth | 488.17 | 485.02 | 478.32 | 455.69 | 452.03 | 443.61 |
Custodial Custodial Growth | 654.68 | 636.8 | 545.41 | 386.59 | 261.28 | 186.12 |
Interchange Interchange Growth | 194.38 | 191.61 | 176.04 | 157.3 | 148.44 | 126.83 |
Revenue (Total) Revenue (Total) Growth | 1,337 | 1,313 | 1,200 | 999.59 | 861.75 | 756.56 |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
Cash & Investments Cash & Investments Growth | 265.37 | 318.93 | 295.95 | 403.98 | 254.27 | 225.41 |
Total Debt Total Debt Growth | 984.68 | 1,001 | 1,109 | 933.14 | 994.49 | 1,008 |
Net Cash (Debt) Net Cash Growth | -719.31 | -682.55 | -812.57 | -529.16 | -740.22 | -782.82 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -8.32 | -7.80 | -9.15 | -6.09 | -8.77 | -9.42 |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
Operating Cash Flow Operating Cash Flow Growth | 489.88 | 457.09 | 339.86 | 242.83 | 150.65 | 141 |
Capital Expenditures CapEx Growth | -2.25 | -1.97 | -2.08 | -1.69 | -3.37 | -8.91 |
Free Cash Flow Free Cash Flow Growth | 487.64 | 455.13 | 337.77 | 241.13 | 147.28 | 132.09 |
Free Cash Flow Growth | 44.39% | 34.74% | 40.08% | 63.73% | 11.50% | -21.62% |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
Gross Margin | 70.68% | 69.52% | 64.78% | 62.29% | 57.09% | 56.14% |
Operating Margin | 25.60% | 24.55% | 13.53% | 11.77% | 1.05% | -3.20% |
Pretax Margin | 22.35% | 21.12% | 9.67% | 7.51% | -4.42% | -8.82% |
Profit Margin | 8.34% | 16.38% | 8.06% | 5.57% | -3.03% | -5.85% |
FCF Margin | 36.47% | 34.65% | 28.15% | 24.12% | 17.09% | 17.46% |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Jan '26 Jan 31, 2026 | Jan '25 Jan 31, 2025 | Jan '24 Jan 31, 2024 | Jan '23 Jan 31, 2023 | Jan '22 Jan 31, 2022 |
PE Ratio | 37.88 | 34.83 | 101.30 | 118.09 | - | - |
Forward PE | 20.70 | 19.75 | 31.70 | 28.55 | 36.76 | 40.27 |
P/FCF Ratio | 17.31 | 16.00 | 28.29 | 27.00 | 35.02 | 33.90 |
PS Ratio | 6.31 | 5.54 | 7.96 | 6.51 | 5.98 | 5.92 |