HQY · Healthequity, Inc.

Track HQY — free

$89.37 +0.91 (+1.03%)

S&P 400 member Russell 2000 member Rebalance outlook locked

Market Cap

$7.30B

82.72M

Volume · Oct 1 726.58K Avg daily vol (3M) 843.09K

Up next

Next earnings call

Nov 27, 2026 Est · unconfirmed · in 8 wks

Latest filing: 10-Q

filed Aug 27, 2026

Q2 2027 earnings call transcript

call held Aug 27, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$1.36B

Trailing 12 months

Net income (TTM)

$236.49M

Trailing 12 months

Revenue growth YoY

+7.6%

Year over year

Operating margin

25.8%

Trailing 12 months

P / E (TTM)

31.9

Trailing earnings · reciprocal yield 3.1%

FCF yield

6.7%

TTM · current market cap

Return on invested capital

10.1%

Trailing 12 months

Net cash

−$675.06M

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

-4.3%

Year over year · fewer shares

Price change (1Y)

-6.7%

Trailing year

Short interest

5.8%

Latest settlement · 6.4 days to cover

View all 115 metrics

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Sell Momentum Weak Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate

Market backdrop VIX 16.3 · calm Equity put/call 0.53

Technical

price trend

Sell

50 / 200-day cross No cross

Price vs 200-day avg −0%

below

Price vs 50-day avg −10%

below

RSI (14) 33

neutral

MACD trend Negative

52-week position 45%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Weak

1-month return −9%

trailing

6-month return +5%

trailing

YTD return −3%

this year

Relative strength −7%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $98 › 200d $89 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +78 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

5.80% of float · ▲ +6.3% MoM · 6.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

502 holders — near 3-yr high, broad support

Squeeze score 61

elevated · 0–100

Fundamentals

Excellent

Revenue growth +29%

Y/Y

Gross margin 398%

contracting

EPS growth +126%

Y/Y

Free cash flow $455.1M

Valuation P/E 31.9

below peers

Buyback $948.4M

remaining

Balance sheet $638.5M

net debt

Quant / Vol

risk profile

Moderate

Volatility 35%

annualized · 1-yr

Max drawdown −31%

past year

ATR 3.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 7 of last 7

Latest guidance · from the Earnings Call filed Aug 27, 2026

Revenue · fiscal 2027 Initiated $1.41B – $1.42B

prior FY $1.31B midpoint +7.8% Y/Y

Gap net income ... per share · fiscal 2027 Initiated $2.88 – $2.96

prior FY $2.46 midpoint +18.7% Y/Y

Gap net income · fiscal 2027 Initiated $242M – $248M

Non-gap net income per share · fiscal 2027 Initiated $4.66 – $4.73

Non-gap net income · fiscal 2027 Initiated $392M – $398M

Average yield on HSA cash · fiscal 2027 Initiated 3.85% – 3.9%

Adjusted EBITDA · fiscal 2027 Initiated $628M – $636M

Non-GAAP income tax rate · fiscal 2027 Initiated 25%

GAAP income tax rate · fiscal 2027 Initiated 25%

Guided vs delivered · last 7 settled

Revenues fiscal year ending January 31, 2025

guided $1.14B – $1.16B

guided $1.14B – $1.16B $1.2B Beat +4.3%

Net income per diluted share fiscal year ending January 31, 2025

guided $0.83 – $0.99

guided $0.83 – $0.99 $1.09 Beat +19.8%

Revenue fiscal year ending January 31, 2024

guided $985M – $995M

guided $985M – $995M $999.59M Beat +1.0%

Net income per diluted share fiscal year ending January 31, 2024

guided $0.39 – $0.45

guided $0.39 – $0.45 $0.64 Beat +52.4%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell

2 · 5 · 0

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

−0% Neutral

Price vs 50-day avg

−10% Bearish

RSI (14)

33 Neutral

MACD trend

Negative Bearish

52-week position

45% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $98 › 200d $89 — 50d above 200d

Institutional flow Accumulating

+3% holders QoQ · +78 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Rising

5.80% of float · ▲ +6.3% MoM · 6.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

502 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $73 Now $88 · 45% Range high $107

vs 200-day avg 0% vs 50-day avg -10%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted EBITDA non-GAAP	$167M	second quarter ended July 31, 2026	—

Adjusted EBITDA margin non-GAAP	48%	second quarter ended July 31, 2026	+0.0%

Average daily Client-held funds - Quarter-to-date	936M	July 31, 2026	—
Average daily Client-held funds - Year-to-date	986M	July 31, 2026	—
Average daily HSA cash - Quarter-to-date	17.39B	July 31, 2026	—
Average daily HSA cash - Year-to-date	17.55B	July 31, 2026	—
Average Total Accounts - Quarter-to-date	17.71M	July 31, 2026	—
Average Total Accounts - Year-to-date	17.77M	July 31, 2026	—
CDBs	7.02M	July 31, 2026	—
Client-held funds	$0.9B	as of July 31, 2026	—
HSA cash	$17.4B	as of July 31, 2026	—
HSA investments	$20.6B	as of July 31, 2026	—
HSAs	10.7M	as of July 31, 2026	—
HSAs with investments	0.9M	as of July 31, 2026	—
New HSAs from sales	202K	second quarter ended July 31, 2026	—
New HSAs from sales - Quarter-to-date	202K	July 31, 2026	—
New HSAs from sales - Year-to-date	374K	July 31, 2026	—
Non-GAAP net income non-GAAP	$103.8M	second quarter ended July 31, 2026	—

Non-GAAP net income per diluted share non-GAAP	$1.24	second quarter ended July 31, 2026	+0.0%

Remaining stock repurchase authorization	$948.4M	as of July 31, 2026	—
Shares repurchased	1.2M	second quarter ended July 31, 2026	—
Stock repurchases	$108.1M	second quarter ended July 31, 2026	—
Total Accounts	17.8M	as of July 31, 2026	—
Total HSA Assets	$37.9B	as of July 31, 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Health Information Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
HQY Healthequity, Inc. this stock	$7.30B	-3.4%	+28.7%	31.9	5.8%
VEEV Veeva Systems Inc	$45.44B	+27.9%	+28.1%	45.9	3.1%
TEM Tempus AI, Inc.	$15.34B	+38.7%	+83.4%	—	15.6%
PMDIY Pro Medicus Ltd./ADR	$12.20B	-29.7%	—	—	0.0%
BTSG BrightSpring Health Services, Inc.	$11.02B	+51.5%	+28.2%	33.8	5.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

502

% held: 108.6%
Net QoQ: +3.2M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

551

View

Short & Settlement

Short Interest Rising

Shares short

4.8M

Days to cover: 6.4d
Change: +284.8K sh

View

Short Volume

Short vol %

71%

As of: Oct 1, 2026

Short Total

View

Fails to Deliver

FTD shares

777

Value: $74.6K
As of: Sep 8, 2026

View

Off-Exchange

Off-exchange %

46.0%

Week of: Aug 24, 2026

Off-exch Lit

View

Smart Money

Congressional Trades Buy

Member

Gilbert Cisneros

Amount: $1.0K–$15.0K
Traded: Jul 10, 2026

View

Financials

Revenue (FY)

$1.3B

Net income (FY): $215.2M
EPS diluted: $2.46

View

Buybacks

Remaining

$948.4M

View

Filings

SEC Filings

Latest

8-K

Filed: Sep 30, 2026
This year: 14

View

Proposed Sales

Value

$804.4K

Shares: 7.6K
Filed: Aug 25, 2026

View

Earnings & Events

Webcasts

Last webcast

Aug 27, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
HQY	-2.1%	-8.8%	+5.1%	-8.4%	-3.4%
SPY	-0.7%	+0.1%	+12.2%	-0.6%	+11.8%
vs SPY	-1.5%	-8.9%	-7.1%	-7.8%	-15.3%

Capital returns

Buyback program · as of Jul 31, 2026

Authorized

—

Spent (derived)

—

Remaining

$948.40M

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1428336 CUSIP 42226A107 13F (30d) 15 filings 11 filers Visit website Investor relations

HQY · Healthequity, Inc.

Price & Indicators

Up next

Metrics snapshot

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns