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HEALTHEQUITY, INC.

HQY

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Financial Statements

Values in Millions ($)
2026-04-30
2026-01-31
2025-10-31
2025-07-31
2025-04-30
2025-01-31
2024-10-31
2024-07-31
2024-04-30
2024-01-31
2023-10-31
2023-07-31
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Assets
Assets Current
Cash And Cash Equivalents At Carrying Value
265319309304288296322327251404334290
Accounts Receivable Net Current
1221241111111161181071081061059693
Other Assets Current
-----64666047494440
Prepaid Expense And Other Assets Current
797078776964------
Assets Current
467512499493473478495496405557474423
Property Plant And Equipment Net
433333455689
Operating Lease Right Of Use Asset
353638404143454648485052
Intangible Assets Net Excluding Goodwill
1,0731,0971,1251,1521,1791,2051,2281,2541,071836861882
Goodwill
1,6481,6481,6481,6481,6481,6481,6481,6481,6481,6481,6481,648
Other Assets Noncurrent
808385807172686569685253
Assets
3,3063,3803,3983,4173,4163,4493,4883,5143,2463,1643,0943,066
Liabilities And Stockhold…
Liabilities Current
Accounts Payable Current
141220101314101118121313
Employee Related Liabilities Current
276044322469483723503131
Accrued Liabilities Current
857447656863876341464249
Long Term Debt Current
---------000
Operating Lease Liability Current
10101010101010101091010
Liabilities Current
1361571211171161561551219211796103
Liabilities Noncurrent
Long Term Debt Noncurrent
9439579821,0071,0571,0561,0811,101926875874874
Operating Lease Liability Noncurrent
323436384042444648495152
Other Liabilities Noncurrent
533124222223252519191813
Deferred Income Tax Liabilities Net
9594102875756596363696775
Liabilities Noncurrent
1,1231,1161,1431,1541,1761,1771,2091,2371,0561,0121,0091,014
Liabilities
1,2591,2731,2641,2701,2921,3341,3641,3571,1491,1291,1061,117
Stockholders Equity
Preferred Stock Value
000000000000
Common Stock Value
000000000000
Additional Paid In Capital
1,9021,9171,9171,9191,9051,9061,8931,8871,8631,8291,8091,785
Retained Earnings Accumulated Deficit
177196208227218209232270234206179165
Accumulated Other Comprehensive Income Loss Net Of…
-32-690-0------
Stockholders Equity
2,0472,1072,1342,1462,1242,1152,1252,1572,0982,0351,9881,950
Liabilities And Stockholders Equity
3,3063,3803,3983,4173,4163,4493,4883,5143,2463,1643,0943,066
Allowance For Doubtful Accounts Receivable Current
111112334455
Preferred Stock Par Or Stated Value Per Share
000000000000
Preferred Stock Shares Authorized
100100100100100100100100100100100100
Preferred Stock Shares Issued
000000000000
Preferred Stock Shares Outstanding
000000000000
Common Stock Par Or Stated Value Per Share
000000000000
Common Stock Shares Authorized
900900900900900900900900900900900900
Common Stock Shares Issued
848586868787878787868686
Shares Outstanding
848586868787878787868686

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2027-5.87%7.90%----------
20261.08%-7.44%-13.43%8.64%8.61%14.70%-5.23%-14.73%-20.02%-1.81%6.85%11.68%
20256.13%-0.30%-5.66%1.65%12.01%32.58%-3.50%9.33%8.67%-19.15%-11.08%9.72%
2024-3.43%-0.90%4.24%9.29%6.21%2.47%-3.94%11.37%19.14%0.28%-2.89%7.06%

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Performance and Valuation Metrics

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Metrics
2026-04-30
2026-01-31
2025-10-31
2025-07-31
2025-04-30
2025-01-31
2024-10-31
2024-07-31
2024-04-30
2024-01-31
2023-10-31
2023-07-31
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Liquidity Ratios
Current Ratio
3.44
3.27
4.13
4.23
4.06
3.06
3.20
4.10
4.39
4.76
4.93
4.09
Quick Ratio
2.85
2.82
3.49
3.57
3.47
2.65
3.20
4.10
4.39
4.76
4.93
4.09
Working Capital
330.79M
355.43M
378.08M
376.26M
356.45M
321.43M
340.71M
374.72M
312.69M
440.35M
378.17M
319.29M
Leverage & Debt
Debt to Equity
0.61
0.60
0.59
0.59
0.61
0.63
0.64
0.63
0.55
0.55
0.56
0.57
Interest Coverage TTM
6.24
5.64
4.97
3.71
3.20
2.68
2.70
3.13
2.61
2.12
1.64
1.22
Debt Ratio
0.38
0.38
0.37
0.37
0.38
0.39
0.39
0.39
0.35
0.36
0.36
0.36
Efficiency & Turnover
Asset Turnover TTM
0.40
0.38
0.37
0.37
0.37
0.36
0.35
0.33
0.33
0.32
0.32
0.31
Days Sales Outstanding TTM
32.52
33.58
30.82
31.59
32.66
33.91
32.19
33.38
35.81
36.83
34.56
35.61
Receivables Turnover TTM
11.22
10.87
11.84
11.56
11.17
10.77
11.34
10.93
10.19
9.91
10.56
10.25
Per Share Metrics
Diluted EPS TTM
2.71
2.46
2.21
1.66
1.38
1.09
1.09
1.19
0.91
0.64
0.33
0.15
Free Cash Flow Per Share TTM
5.78
5.28
4.80
4.22
3.90
3.89
3.89
3.50
3.17
2.82
2.56
2.46
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin Metrics
Gross Profit Margin TTM
70.68%
69.52%
67.72%
66.43%
65.52%
64.78%
65.33%
64.93%
63.42%
62.29%
61.32%
60.04%
Operating Profit Margin TTM
25.60%
24.55%
22.74%
18.48%
16.39%
13.53%
13.83%
15.50%
13.06%
11.77%
9.48%
7.11%
Net Profit Margin TTM
17.25%
16.38%
14.86%
11.49%
9.80%
8.06%
8.41%
9.61%
7.71%
5.57%
3.00%
1.37%
Growth Metrics
Net Revenue Growth (1Y)
7.58%
9.47%
12.20%
15.45%
19.21%
20.03%
18.47%
17.19%
15.80%
16.00%
16.82%
17.97%
Net Income Growth (1Y)
89.40%
122.54%
98.37%
38.01%
51.44%
73.58%
231.86%
723.95%
-1,056.37%
-313.10%
-149.60%
-120.64%
EPS Growth (1Y)
94.43%
124.44%
101.13%
38.94%
51.12%
70.97%
226.17%
708.84%
-1,040.42%
-310.31%
-148.95%
-120.37%
Valuation Metrics
P/E TTM
30.01
34.29
42.40
57.57
60.98
99.19
76.87
64.71
84.84
116.08
210.81
453.11
P/B TTM
3.38
3.50
3.81
3.91
3.50
4.54
3.50
3.17
3.25
3.18
3.09
2.98
P/S TTM
5.18
5.62
6.30
6.62
5.98
7.99
6.46
6.22
6.54
6.47
6.33
6.20
Market Cap
6.92B
7.38B
8.13B
8.40B
7.43B
9.59B
7.43B
6.84B
6.82B
6.47B
6.14B
5.81B
Enterprise Value
7.60B
8.02B
8.81B
9.10B
8.20B
10.35B
8.19B
7.61B
7.50B
6.94B
6.68B
6.39B
Calculated Values
Free Cash Flow TTM
487.64M
455.13M
412.96M
365.42M
337.72M
337.77M
338.87M
305.17M
274.43M
241.13M
219.71M
210.49M
Net Debt
677.29M
638.45M
672.85M
702.37M
768.67M
760.35M
758.88M
774.51M
674.45M
470.99M
540.21M
583.24M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-29Sale
Owner: Fiore, Michael Henry
Title: EVP, CHIEF COMMERCIAL OFFICER
Shares: 3,142
Price/Share: $95.00
Value: $298,490.00
Shares Owned: 59,113
Relationship: Officer
Ownership: Direct
2026-05-28Sale
Owner: Ladd, Delano
Title: EVP, General Counsel
Shares: 7,500
Price/Share: $90.00
Value: $675,000.00
Shares Owned: 91,141
Relationship: Officer
Ownership: Direct
2026-05-28Sale
Owner: Wellborn, Gayle Furgurson
Title: -
Shares: 2,439
Price/Share: $90.00
Value: $219,510.00
Shares Owned: 19,733
Relationship: Director
Ownership: Direct
2025-12-19Sale
Owner: Ladd, Delano
Title: EVP, General Counsel
Shares: 1,500
Price/Share: $94.72
Value: $142,080.00
Shares Owned: 73,979
Relationship: Officer
Ownership: Direct
2025-12-18Sale
Owner: Rosner, Elimelech
Title: EVP, CHIEF TECHNOLOGY OFFICER
Shares: 10,959
Price/Share: $95.45
Value: $1,046,036.55
Shares Owned: 45,742
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
97.85%
Inst. Shares: 82,599,429
Shares Outstanding: 84,413,000
2025-12-31
99.95%
Inst. Shares: 86,089,791
Shares Outstanding: 86,132,000
2025-09-30
98.79%
Inst. Shares: 84,952,620
Shares Outstanding: 85,995,000
2025-06-30
99.91%
Inst. Shares: 86,473,663
Shares Outstanding: 86,550,000
2025-03-31
98.28%
Inst. Shares: 85,161,415
Shares Outstanding: 86,655,000

HEALTHEQUITY, INC. (HQY) — SEC Financial Statements & Analysis

HEALTHEQUITY, INC. (HQY) is a services-business services, nec company, incorporated in DE. HEALTHEQUITY, INC. trades on Nasdaq as: HQY. Based on its latest SEC filing (Form 10-Q, period ending 2026-04-30), HEALTHEQUITY, INC. reported a 7.58% year-over-year revenue growth, a Gross Profit Margin of 70.68% (TTM), a Debt-to-Equity ratio of 0.61x, a Price-to-Sales (P/S) ratio of 5.18x (TTM), a Price-to-Book (P/B) ratio of 3.38x (TTM), at a market cap of $6.92B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
7.58%
Gross Profit Margin TTM
70.68%
Debt To Equity
0.61x
P/S TTM
5.18x
P/B TTM
3.38x
Market Cap
$6.92B

Data as of 2026-04-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is HEALTHEQUITY, INC. in?

HEALTHEQUITY, INC. (HQY) operates in the Services-Business Services, NEC industry.

What is HQY's market cap?

HEALTHEQUITY, INC. (HQY) has a market capitalization of $6.92B as of 2026-04-30.

What is HQY's P/E ratio?

HEALTHEQUITY, INC. (HQY)'s trailing twelve month P/E ratio is 30.01x as of 2026-04-30.

What exchange does HQY trade on?

HEALTHEQUITY, INC. (HQY) trades on the Nasdaq.

Where is HEALTHEQUITY, INC. incorporated?

HEALTHEQUITY, INC. is incorporated in DE.

Wall Street's data.
Main Street's price.