HQY
HealthEquity, Inc.
NMS
$88.34
-0.62
(-0.70%)
Neutral · +0.37σ
Price chart
Overlay:
Click earnings ▲ markers for day-move details
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Financial overlay · last 12 quarters
| Quarter | Revenue | Net income | Op income | FCF | Net margin | Op margin |
|---|---|---|---|---|---|---|
| 2026-04-30 | $0.4B | $0.1B | $0.1B | $0.1B | 19.6% | 29.3% |
| 2026-01-31 | $0.3B | $0.0B | $0.1B | $0.1B | 14.9% | 21.6% |
| 2025-10-31 | $0.3B | $0.1B | $0.1B | $0.1B | 16.0% | 24.8% |
| 2025-07-31 | $0.3B | $0.1B | $0.1B | $0.1B | 18.4% | 27.9% |
| 2025-04-30 | $0.3B | $0.1B | $0.1B | $0.0B | 16.3% | 25.5% |
| 2025-01-31 | $nanB | $nanB | $nanB | $nanB | nan% | nan% |
Earnings replay · last 20 reports
| Date | EPS actual | EPS est | Surprise |
|---|---|---|---|
| 2026-05-28 | 1.24 | 1.12 | +11.2% |
| 2026-03-17 | 0.95 | 0.90 | +5.8% |
| 2025-12-03 | 1.01 | 0.91 | +10.7% |
| 2025-09-02 | 1.08 | 0.92 | +17.7% |
| 2025-06-03 | 0.97 | 0.81 | +19.3% |
| 2025-03-18 | 0.69 | 0.72 | -3.7% |
| 2024-12-09 | 0.78 | 0.72 | +8.0% |
| 2024-09-03 | 0.86 | 0.70 | +23.0% |
| 2024-06-03 | 0.80 | 0.65 | +22.2% |
| 2024-03-19 | 0.63 | 0.60 | +5.8% |
| 2023-12-05 | 0.60 | 0.50 | +20.0% |
| 2023-09-05 | 0.53 | 0.48 | +11.1% |
| 2023-06-05 | 0.50 | 0.41 | +23.4% |
| 2023-03-21 | 0.37 | 0.35 | +5.8% |
| 2022-12-06 | 0.38 | 0.35 | +9.7% |
| 2022-09-06 | 0.33 | 0.33 | -0.1% |
| 2022-06-06 | 0.27 | 0.26 | +3.9% |
| 2022-03-22 | 0.20 | 0.21 | -6.8% |
| 2021-12-06 | 0.35 | 0.35 | +1.0% |
| 2021-09-08 | 0.40 | 0.36 | +11.2% |
Earnings markers are overlaid on the price chart above. Transcript summaries require PERPLEXITY_API_KEY (deferred to a follow-up).
Peer comparison · Healthcare
| Ticker ⇅ | Mkt cap ⇅ | P/E ⇅ | Fwd P/E ⇅ | P/S ⇅ | EV/EBITDA ⇅ | P/B ⇅ | Gross M ⇅ | Rev gr ⇅ | EPS gr ⇅ | FCF yld ⇅ |
|---|---|---|---|---|---|---|---|---|---|---|
| HQY ★ | $7B | 33.1 | 16.1 | 5.5 | 16.2 | 3.6 | 70.7% | 7.2% | 34.4% | 5.01% |
| LLY | $1,010B | 40.3 | 25.5 | 14.0 | 28.9 | 32.4 | 82.8% | 55.5% | 169.9% | 0.91% |
| UNH | $371B | 30.8 | 19.5 | 0.8 | 19.8 | 3.8 | 18.8% | 2.0% | 0.7% | 4.77% |
| JNJ | $580B | 27.9 | 18.9 | 6.0 | 17.9 | 7.1 | 68.0% | 9.9% | -52.9% | 2.16% |
| MRK | $294B | 33.5 | 12.4 | 4.5 | 11.4 | 6.4 | 76.7% | 4.9% | — | 4.78% |
| ABBV | $402B | 111.1 | 14.0 | 6.4 | 15.6 | -60.5 | 72.0% | 12.4% | -46.2% | 5.17% |
| PFE | $149B | 20.0 | 9.3 | 2.4 | 7.9 | 1.7 | 74.8% | 5.4% | -10.1% | 8.29% |
| TMO | $174B | 25.8 | 17.2 | 3.9 | 19.0 | 3.3 | 40.9% | 6.2% | 11.3% | 3.17% |
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Ownership
Top institutional holders
Top-10 concentration: 46.59%
| Holder | Shares | % out |
|---|---|---|
| Blackrock Inc. | 10,532,394 | 12.60% |
| Wasatch Advisors LP | 7,202,934 | 8.62% |
| Vanguard Portfolio Management LLC | 4,163,593 | 4.98% |
| Vanguard Capital Management LLC | 3,823,804 | 4.57% |
| State Street Corporation | 3,099,897 | 3.71% |
| Morgan Stanley | 2,485,913 | 2.97% |
| Geode Capital Management, LLC | 2,259,646 | 2.70% |
| AQR Capital Management, LLC | 2,092,223 | 2.50% |
| William Blair Investment Management, | 1,659,616 | 1.99% |
| Dimensional Fund Advisors LP | 1,627,039 | 1.95% |
Insider activity · 90d
1 buys / 3 sells · ratio 0.33 · Finnhub
- Fiore Michael Henry SELL 59,113 @ $95.00
- Wellborn Gayle Furgurson M 0
- Wellborn Gayle Furgurson SELL 19,733 @ $90.00
- Wellborn Gayle Furgurson M 22,172 @ $47.21
- Ladd Delano SELL 91,141 @ $90.00
- Fiore Michael Henry F 62,255 @ $83.84
- Rosner Elimelech F 81,497 @ $83.84
- Cutler Scott F 177,643 @ $83.84
- Ladd Delano F 98,641 @ $83.84
- Lucania James M F 107,456 @ $83.84
Analyst estimates
FinnhubLow
$88.0
Mean
$115.5625
High
$135.0
Analysts
16
Recommendation distribution · period 2026-06-01
7
11
1
1
Revision trend (2026-03-01 → 2026-06-01):
net 16 → 17
+1
(net = strong_buy+buy − sell−strong_sell)
SEC filings
| Form | Filed | Description | Action |
|---|---|---|---|
| 4 | 2026-06-02 | Insider transaction (Form 4) | view · |
| 4 | 2026-06-01 | Insider transaction (Form 4) | view · |
| 4 | 2026-06-01 | Insider transaction (Form 4) | view · |
| 10-Q | 2026-05-28 | 10-Q | view · |
| 8-K | 2026-05-28 | 8-K | view · |
| DEF 14A | 2026-05-13 | DEF 14A | view · |
| 8-K | 2026-05-08 | 8-K | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-08 | Insider transaction (Form 4) | view · |
| 8-K | 2026-04-06 | 8-K | view · |
| 4 | 2026-04-02 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-02 | Insider transaction (Form 4) | view · |
| 4 | 2026-04-02 | Insider transaction (Form 4) | view · |
| 8-K | 2026-03-30 | 8-K | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 4 | 2026-03-27 | Insider transaction (Form 4) | view · |
| 10-K | 2026-03-17 | 10-K | view · |
| 8-K | 2026-03-17 | 8-K | view · |
| 8-K | 2026-02-17 | 8-K | view · |
| 4 | 2026-02-04 | Insider transaction (Form 4) | view · |
| 4 | 2026-02-04 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-14 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-13 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-13 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-13 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-13 | Insider transaction (Form 4) | view · |
| 4 | 2026-01-13 | Insider transaction (Form 4) | view · |
| 8-K | 2026-01-12 | 8-K | view · |
| 4 | 2025-12-23 | Insider transaction (Form 4) | view · |
| 4 | 2025-12-23 | Insider transaction (Form 4) | view · |
| 4 | 2025-12-19 | Insider transaction (Form 4) | view · |
| 4 | 2025-12-18 | Insider transaction (Form 4) | view · |
| 4 | 2025-12-16 | Insider transaction (Form 4) | view · |
| 10-Q | 2025-12-03 | 10-Q | view · |
| 8-K | 2025-12-03 | 8-K | view · |
| 4 | 2025-11-24 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-22 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-10-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-09-22 | Insider transaction (Form 4) | view · |
| 4 | 2025-09-09 | Insider transaction (Form 4) | view · |
| 10-Q | 2025-09-02 | 10-Q | view · |
| 8-K | 2025-09-02 | 8-K | view · |
| 4 | 2025-07-31 | Insider transaction (Form 4) | view · |
| 4 | 2025-07-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-07-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-07-08 | Insider transaction (Form 4) | view · |
| 4 | 2025-07-08 | Insider transaction (Form 4) | view · |
About
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. In addition, the company offers HSA and FSA members with access to certain healthcare products, programs, and services through its marketplace. It serves clients through a direct sales force; and brokers and advisors, a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.