HealthEquity (HQY) Stock | HQY Stock Price & Analysis

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HQY

HealthEquity HQY · NASDAQ

$93.07 +1.13% (+$1.04)

Summary

71 / 100 · Bulios Score

Valuation 54Growth 86Profitability 99Quality 51Debt 93Stability 40

What speaks for it

Out of every 100 USD of revenue, 17 USD is left as net profit.
It holds more cash than debt: $256.0M against $40.0M.
Revenue grew by 15% a year over the last 3 years.
It bought back its own shares for $299.3M in the last fiscal year, 3.9% of its market value.

What to watch

The share price is above the Bulios Fair Price.
Earnings per share swing sharply from year to year.

Bulios Scoring describes a company's quality and track record, not its future return. A high score is not a buy signal. Learn more

Score in detail

Is it expensive?

Looks expensive

Bulios Fair Price

Current price $93.07

5-year average P/E 84.7 62% lower

P/E today 32.6

Medical - Healthcare Information Services industry median

P/E today 32.6

Unlock fair price

Bulios Fair Price is an estimate of a stock's fair value from the Bulios valuation model. It is an input for your own analysis, not investment advice. How does it work?

Today you pay 32.6 USD for 1 USD of yearly profit. Over the last five years it was 84.7 USD on average.

Valuation in detail

Is it growing?

Yes, fast

Revenue (USD)

757M

862M

1,000M

1.2B

1.3B

1.4B

1.5B

2022202320242025202620272028

Diluted EPS (USD)

-$0.53

-$0.31

$0.64

$1.09

$2.46

$4.72

$5.50

2022202320242025202620272028

Analyst estimate

Revenue grew by 12% a year over 5 years. Over the last 3 years it grew by 15% a year. For the next fiscal year analysts expect revenue to grow by 7.9%.

Growth in detail

Does it make money?

Very well

Where 100 USD of revenue goes

Cost of sales 25 USD
Research and development 20 USD
Sales and administration 29 USD
Taxes and other 8.2 USD
Net profit 17 USD

Net profit, industry median (Medical - Healthcare Information Services) 4.7 USD

Out of every 100 USD of revenue, 17 USD is left as net profit.

Profitability in detail

Is it financially healthy?

Yes

Cash and short-term investments $256.0M

Debt $40.0M

Free cash flow over 12 months $471.7M

It could repay all its debt from a single year of free cash flow. It holds more cash than debt.

Financial health in detail

Does it pay a dividend?

It pays no dividend.

Dividends in detail

What do analysts expect?

Mildly positive

Buy 25
Hold 1
Sell 1

Today's price within the analysts' price targets

Today's price $93.07 Average target $115.29

$93.07 $142

The average target of $115.29 is 24% above today's price. 93% of the analysts recommend buying.

Analysts in detail

What does it earn on?

Fiscal year 2026

By product

Financial Service, Other 48%
Service 37%
Credit and Debit Card 15%

By region

The company reports no revenue by region.

Financial Service, Other brings in 48% of revenue.

Segments in detail