HealthEquity, Inc. (HQY)
NASDAQ: HQY · Real-Time Price · USD
111.55
-1.15 (-1.02%)
At close: Jun 6, 2025, 4:00 PM
111.07
-0.48 (-0.43%)
After-hours: Jun 6, 2025, 6:24 PM EDT

HealthEquity Statistics

Total Valuation

HealthEquity has a market cap or net worth of $9.65 billion. The enterprise value is $10.47 billion.

Market Cap 9.65B
Enterprise Value 10.47B

Important Dates

The last earnings date was Tuesday, June 3, 2025, after market close.

Earnings Date Jun 3, 2025
Ex-Dividend Date n/a

Share Statistics

HealthEquity has 86.48 million shares outstanding. The number of shares has increased by 1.53% in one year.

Current Share Class 86.48M
Shares Outstanding 86.48M
Shares Change (YoY) +1.53%
Shares Change (QoQ) -0.22%
Owned by Insiders (%) 1.91%
Owned by Institutions (%) 109.68%
Float 84.79M

Valuation Ratios

The trailing PE ratio is 81.50 and the forward PE ratio is 28.81. HealthEquity's PEG ratio is 1.38.

PE Ratio 81.50
Forward PE 28.81
PS Ratio 7.80
Forward PS 9.74
PB Ratio 4.55
P/TBV Ratio n/a
P/FCF Ratio 28.56
P/OCF Ratio 28.44
PEG Ratio 1.38
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 25.80, with an EV/FCF ratio of 30.99.

EV / Earnings 85.92
EV / Sales 8.42
EV / EBITDA 25.80
EV / EBIT 42.99
EV / FCF 30.99

Financial Position

The company has a current ratio of 4.06, with a Debt / Equity ratio of 0.52.

Current Ratio 4.06
Quick Ratio 3.47
Debt / Equity 0.52
Debt / EBITDA 2.70
Debt / FCF 3.28
Interest Coverage 3.82

Financial Efficiency

Return on equity (ROE) is 5.77% and return on invested capital (ROIC) is 4.82%.

Return on Equity (ROE) 5.77%
Return on Assets (ROA) 4.57%
Return on Invested Capital (ROIC) 4.82%
Return on Capital Employed (ROCE) 7.38%
Revenue Per Employee $398,404
Profits Per Employee $39,040
Employee Count 3,120
Asset Turnover 0.37
Inventory Turnover n/a

Taxes

In the past 12 months, HealthEquity has paid $31.94 million in taxes.

Income Tax 31.94M
Effective Tax Rate 20.78%

Stock Price Statistics

The stock price has increased by +31.48% in the last 52 weeks. The beta is 0.49, so HealthEquity's price volatility has been lower than the market average.

Beta (5Y) 0.49
52-Week Price Change +31.48%
50-Day Moving Average 91.63
200-Day Moving Average 93.43
Relative Strength Index (RSI) 74.26
Average Volume (20 Days) 1,201,966

Short Selling Information

The latest short interest is 5.82 million, so 6.73% of the outstanding shares have been sold short.

Short Interest 5.82M
Short Previous Month 6.17M
Short % of Shares Out 6.73%
Short % of Float 6.86%
Short Ratio (days to cover) 6.43

Income Statement

In the last 12 months, HealthEquity had revenue of $1.24 billion and earned $121.81 million in profits. Earnings per share was $1.37.

Revenue 1.24B
Gross Profit 814.43M
Operating Income 243.45M
Pretax Income 98.27M
Net Income 121.81M
EBITDA 405.70M
EBIT 243.45M
Earnings Per Share (EPS) $1.37
Full Income Statement

Balance Sheet

The company has $287.89 million in cash and $1.11 billion in debt, giving a net cash position of -$818.86 million or -$9.47 per share.

Cash & Cash Equivalents 287.89M
Total Debt 1.11B
Net Cash -818.86M
Net Cash Per Share -$9.47
Equity (Book Value) 2.12B
Book Value Per Share 24.49
Working Capital 356.45M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $339.17 million and capital expenditures -$1.45 million, giving a free cash flow of $337.72 million.

Operating Cash Flow 339.17M
Capital Expenditures -1.45M
Free Cash Flow 337.72M
FCF Per Share $3.91
Full Cash Flow Statement

Margins

Gross margin is 65.52%, with operating and profit margins of 19.59% and 9.80%.

Gross Margin 65.52%
Operating Margin 19.59%
Pretax Margin 12.37%
Profit Margin 9.80%
EBITDA Margin 32.64%
EBIT Margin 19.59%
FCF Margin 27.17%

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 -1.53%
Shareholder Yield -1.53%
Earnings Yield 1.26%
FCF Yield 3.50%
Dividend Details

Analyst Forecast

The average price target for HealthEquity is $117.00, which is 4.89% higher than the current price. The consensus rating is "Strong Buy".

Price Target $117.00
Price Target Difference 4.89%
Analyst Consensus Strong Buy
Analyst Count 12
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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 4.39 and a Piotroski F-Score of 6.

Altman Z-Score 4.39
Piotroski F-Score 6