HQY · Healthequity, Inc.
$104.73
-0.86 (-0.81%)
At close · Aug 14
Market Cap
$8.76B
Shares
83.60M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$104.73
Open$106.00
Day$104.33–106.27
52W close$73.21–106.79
Avg vol 30d713K
Short int4.2M · 5.0% float · 5.9d
Short vol62%
Last earningsAug 27, 2026
DataJan 2020–Aug 2026
Filing10-Q · May 28
Up next
Next earnings call
Aug 27, 2026
Scheduled
· in 2 wks
FQ3-27 quarter ends
~Oct 31, 2026
Est
filed May 28, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+10%
above
RSI (14)
62
neutral
MACD trend
Negative
52-week position
94%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+38%
trailing
YTD return
+14%
this year
Relative strength
+24%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $95 › 200d $89 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +77 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.98% of float · ▼ -17.3% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
490 holders — mid 3-yr range
Squeeze score
65
elevated · 0–100
Fundamentals
Revenue growth
+29%
Y/Y
Gross margin
398%
contracting
EPS growth
+126%
Y/Y
Free cash flow
$455.1M
Valuation
P/E 39.2
below peers
Buyback
$55.6M
remaining
Balance sheet
$638.5M
net debt
Quant / Vol
risk profile
Volatility
35%
annualized · 1-yr
Max drawdown
−31%
past year
ATR
2.9%
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
Latest guidance
· from the 8-K filed Mar 17, 2026
Revenues
· fiscal year ending January 31, 2027
$1.41B – $1.42B
Net income per diluted share
· fiscal year ending January 31, 2027
$2.78 – $2.85
Non-GAAP net income per diluted share
· fiscal year ending January 31, 2027
$4.56 – $4.65
Adjusted EBITDA
· fiscal year ending January 31, 2027
$618M – $628M
Prior guidance
period ended
· from the Earnings Call filed Oct 31, 2024
Revenue
· fiscal '25
$1.19B – $1.2B
GAAP net income
· fiscal '25
$0.99 – $1.08
Non-GAAP net income
· fiscal '25
$3.08 – $3.16
Adjusted EBITDA
· fiscal '25
$470M – $480M
Average yield on HSA cash
· fiscal '25
3.1%
Guided vs delivered
· last 4 settled
Revenues
fiscal year ending January 31, 2026
guided $1.3B – $1.31B
$1.31B
Beat +0.5%
Net income per diluted share
fiscal year ending January 31, 2026
guided $2.24 – $2.33
$2.46
Beat +7.7%
Revenue
fiscal '25
guided $1.14B – $1.16B
$1.2B
Beat +4.3%
GAAP net income per share
fiscal '25
guided $0.83 – $0.99
$1.09
Beat +19.8%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+10%
Bullish
RSI (14)
62
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $95 › 200d $89 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +77 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.98% of float · ▼ -17.3% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
490 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $73
Now $105 · 94%
Range high $107
vs 200-day avg +18%
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 | $164.5M | first quarter ended April 30, 2026 | — |
|
|
|||
| Adjusted EBITDA margin non-GAAP | 46% | first quarter ended April 30, 2026 | — |
|
|
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| Complementary CDBs | 7.2M | as of April 30, 2026 | — |
| HSA cash | $17.5B | as of April 30, 2026 | — |
| HSA investments | $19.6B | as of April 30, 2026 | — |
| HSAs | 10.6M | as of April 30, 2026 | — |
| HSAs with investments | 909,000 | as of April 30, 2026 | — |
| Total Accounts | 17.8M | as of April 30, 2026 | — |
| Total HSA Assets | $37.1B | as of April 30, 2026 | — |
| Client-held funds | 1.1B | fiscal year ended January 31, 2026 | — |
| Remaining authorized repurchase capacity | $177.7M | fiscal year ended January 31, 2026 | — |
| Share repurchases | $301.7M | fiscal year ended January 31, 2026 | — |
| Shares repurchased | 3.3M | fiscal year ended January 31, 2026 | — |
| Average daily HSA cash - Quarter-to-date | 17.09B | Q4 FY2026 | — |
| Average daily HSA cash - Year-to-date | 17.08B | fiscal year ended January 31, 2026 | — |
| Average Total Accounts - Quarter-to-date | 17.46M | Q4 FY2026 | — |
| Average Total Accounts - Year-to-date | 17.22M | fiscal year ended January 31, 2026 | — |
| CDBs | 7.22M | fiscal year ended January 31, 2026 | — |
| HSA Assets | 36.5B | fiscal year ended January 31, 2026 | — |
| New HSAs from sales - Quarter-to-date | 553K | Q4 FY2026 | — |
| New HSAs from sales - Year-to-date | 1.04M | fiscal year ended January 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HQY
this stock
Healthequity, Inc.
|
$8.76B | +14.3% | +28.7% | 39.2 | 5.0% |
|
VEEV
Veeva Systems Inc
|
$39.23B | +9.2% | +28.1% | 42.8 | 4.5% |
|
PMDIY
Pro Medicus Ltd./ADR
|
$15.41B | -18.8% | — | — | 0.0% |
|
BTSG
BrightSpring Health Services, Inc.
|
$12.21B | +64.8% | +28.2% | 37.4 | 4.2% |
|
TEM
Tempus AI, Inc.
|
$9.85B | -11.8% | +83.4% | — | 18.4% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HQY | +0.1% | +7.2% | +38.0% | +4.1% | +14.3% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -0.3% | +2.8% | +24.3% | +0.2% | +0.5% |
Capital returns
Buyback programs
· 2 active
· as of Apr 30, 2026
Authorized (total)
$600.00M
Spent (derived)
$544.40M
Remaining
$55.60M
Spent
Remaining
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)
454 filings
451 filers
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