/HQY
HQY Stock - HealthEquity, Inc.
Healthcare|Medical - Healthcare Information ServicesNASDAQ
$95.50+0.00%
+$0.00 (+0.00%) • Dec 19
77
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.49
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).100
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+25.7%upside
Target: $120.04
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ENTRY ZONE$94.55 – $96.45
TARGET (TP)$120.00
STOP LOSS$87.86
RISK/REWARD1:3.2
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.18
52W High$116.65
52W Low$74.07
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $1.20B | $999.59M | $861.75M | $756.56M | $733.57M |
| Gross Profit | $777.26M | $622.64M | $490.09M | $423.71M | $415.33M |
| Gross Margin | 64.8% | 62.3% | 56.9% | 56.0% | 56.6% |
| Operating Income | $162.33M | $128.13M | $38.92M | $34.64M | $83.28M |
| Net Income | $96.70M | $55.71M | $-26,143,000 | $-44,289,000 | $8.83M |
| Net Margin | 8.1% | 5.6% | -3.0% | -5.9% | 1.2% |
| EPS | $1.11 | $0.65 | $-0.31 | $-0.53 | $0.12 |
Company Overview
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. The company offers cloud-based platforms for individuals to make health saving and spending decisions, pay healthcare bills, compare treatment options and prices, receive personalized benefit and clinical information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides mutual fund investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers flexible spending accounts; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves clients through a direct sales force; benefits brokers and advisors; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. The company was incorporated in 2002 and is headquartered in Draper, Utah.
Visit WebsiteRating Distribution
Strong Buy
1
11%
Buy / Outperform
5
56%
Hold / Neutral
2
22%
Sell / Underperform
1
11%
Analyst Consensus🟡 Mixed
6 Bullish3 Neutral/Bearish
Price Targets
$98
Average Target
↑ 2.2% Upside
Now
$59
Low
$98
Average
$126
High
Based on 15 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 9th 2025 | Barclays | Initiation | Overweight | $118 |
| November 13th 2025 | BMO Capital Markets | Initiation | Market Perform | $100 |
| May 22nd 2025 | RBC Capital Mkts | Resumed | Outperform | $112← $105 |
| March 25th 2025 | Raymond James | Upgrade | Strong Buy | $115← $120 |
| December 4th 2024 | Mizuho | Initiation | Outperform | $126 |
| November 15th 2024 | Goldman | Initiation | Neutral | $108 |
| April 4th 2024 | JMP Securities | Initiation | Mkt Outperform | $101 |
| April 2nd 2024 | JP Morgan | Reiterated | Overweight | $108← $86 |
| January 3rd 2024 | Barclays | Initiation | Overweight | $84 |
| September 21st 2023 | Robert W. Baird | Upgrade | Outperform | $87← $79 |
| October 21st 2022 | Goldman | Upgrade | Neutral | $77← $64 |
| September 16th 2022 | KeyBanc Capital Markets | Initiation | Overweight | $85 |
| July 12th 2022 | Goldman | Initiation | Sell | $59 |
| April 11th 2022 | Wells Fargo | Initiation | Overweight | $95 |
| April 7th 2022 | Guggenheim | Initiation | Buy | $89 |
Earnings History & Surprises
HQYBeat Rate
78%
Last 18 quarters
Avg Surprise
+10.6%
EPS vs Estimate
Beats / Misses
14/4
Last 12 quarters
Latest EPS
$1.01
Q4 2025
EPS Surprise History
Q1 24
+12.5%
$0.63vs$0.56
Q2 24
+22.0%
$0.80vs$0.66
Q3 24
+23.0%
$0.86vs$0.70
Q4 24
+9.9%
$0.78vs$0.71
Q1 25
-2.8%
$0.69vs$0.71
Q2 25
+19.3%
$0.97vs$0.81
Q3 25
+18.2%
$1.08vs$0.91
Q4 25
+10.7%
$1.01vs$0.91
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Jun 1, 2026 | — | — | — | — |
Q1 2026 | Mar 17, 2026 | $0.89 | — | — | — |
Q4 2025 | Dec 3, 2025 | $0.91 | $1.01 | +10.7% | ✓ BEAT |
Q3 2025 | Sep 2, 2025 | $0.91 | $1.08 | +18.2% | ✓ BEAT |
Q2 2025 | Jun 3, 2025 | $0.81 | $0.97 | +19.3% | ✓ BEAT |
Q1 2025 | Mar 18, 2025 | $0.71 | $0.69 | -2.8% | ✗ MISS |
Q4 2024 | Dec 9, 2024 | $0.71 | $0.78 | +9.9% | ✓ BEAT |
Q3 2024 | Sep 3, 2024 | $0.70 | $0.86 | +23.0% | ✓ BEAT |
Q2 2024 | Jun 3, 2024 | $0.66 | $0.80 | +22.0% | ✓ BEAT |
Q1 2024 | Mar 19, 2024 | $0.56 | $0.63 | +12.5% | ✓ BEAT |
Q4 2023 | Dec 5, 2023 | $0.49 | $0.60 | +22.4% | ✓ BEAT |
Q3 2023 | Sep 5, 2023 | $0.47 | $0.53 | +12.8% | ✓ BEAT |
Q2 2023 | Jun 5, 2023 | $0.41 | $0.50 | +22.0% | ✓ BEAT |
Q1 2023 | Mar 21, 2023 | $0.34 | $0.37 | +8.8% | ✓ BEAT |
Q4 2022 | Dec 6, 2022 | $0.35 | $0.38 | +8.6% | ✓ BEAT |
Q3 2022 | Sep 6, 2022 | $0.34 | $0.33 | -2.9% | ✗ MISS |
Q2 2022 | Jun 6, 2022 | $0.28 | $0.27 | -3.6% | ✗ MISS |
Q1 2022 | Mar 22, 2022 | $0.21 | $0.20 | -4.8% | ✗ MISS |
Q4 2021 | Dec 6, 2021 | $0.34 | $0.35 | +2.9% | ✓ BEAT |
Q3 2021 | Sep 8, 2021 | $0.36 | $0.40 | +11.1% | ✓ BEAT |
Latest News
Barclays Initiates Coverage On HealthEquity with Overweight Rating, Announces Price Target of $118
📈 PositiveBenzinga•Dec 9, 2025, 03:49 PM•Also:
Barrington Research Maintains Outperform on HealthEquity, Maintains $125 Price Target
📈 PositiveBenzinga•Dec 4, 2025, 06:08 PM
JP Morgan Maintains Overweight on HealthEquity, Raises Price Target to $129
📈 PositiveBenzinga•Dec 4, 2025, 05:35 PM
Citizens Maintains Market Outperform on HealthEquity, Raises Price Target to $122
📈 PositiveBenzinga•Dec 4, 2025, 12:30 PM
BTIG Reiterates Buy on HealthEquity, Maintains $130 Price Target
📈 PositiveBenzinga•Dec 4, 2025, 10:06 AM
HealthEquity Raises FY2026 Adj EPS Guidance from $3.74-$3.91 to $3.87-$3.95 vs $3.87 Est; Raises FY2026 Sales Guidance from $1.290B-$1.310B to $1.302B-$1.312B vs $1.310B Est
📈 PositiveBenzinga•Dec 3, 2025, 09:03 PM
HealthEquity Q3 Adj. EPS $1.01 Beats $0.93 Estimate, Sales $322.164M Beat $321.027M Estimate
📈 PositiveBenzinga•Dec 3, 2025, 09:01 PM
BMO Capital Initiates Coverage On HealthEquity with Market Perform Rating, Announces Price Target of $100
➖ NeutralBenzinga•Nov 13, 2025, 11:00 AM
CNBC Halftime Report Final Trades: Taiwan Semiconductor Manufacturing, HealthEquity, State Street SPDR S&P Biotech ETF, Cboe Global Markets
➖ NeutralBenzinga•Nov 12, 2025, 06:01 PM•Also: , ,
HealthEquity Launches GLP-1 Access And Direct HSA Enrollment Platforms To Expand Affordable Care During Open Enrollment
📈 PositiveBenzinga•Oct 14, 2025, 12:09 PM
Keybanc Maintains Overweight on HealthEquity, Lowers Price Target to $120
➖ NeutralBenzinga•Oct 8, 2025, 01:13 PM
JP Morgan Maintains Overweight on HealthEquity, Raises Price Target to $126
📈 PositiveBenzinga•Sep 3, 2025, 02:54 PM•Also:
Barrington Research Maintains Outperform on HealthEquity, Maintains $125 Price Target
📈 PositiveBenzinga•Sep 3, 2025, 02:36 PM
RBC Capital Maintains Outperform on HealthEquity, Raises Price Target to $110
📈 PositiveBenzinga•Sep 3, 2025, 02:08 PM
HealthEquity Net Income Jumps 67% in Q2
📈 PositiveThe Motley Fool•Sep 3, 2025, 12:02 PM
HealthEquity shares are trading higher after the company raised its FY2026 EPS and sales guidance above estimates.
📈 PositiveBenzinga•Sep 3, 2025, 11:25 AM
HealthEquity stock gains as FY 2026 guidance rises, AI and HSA expansion advance
📈 PositiveSeeking Alpha•Sep 3, 2025, 09:04 AM
HealthEquity shares are trading higher after the company raised its FY2026 EPS and sales guidance above estimates.
📈 PositiveBenzinga•Sep 2, 2025, 08:24 PM
HealthEquity Raises FY2026 Adj EPS Guidance from $3.61-$3.78 to $3.74-$3.91 vs $3.72 Est; Raises FY2026 Sales Guidance from $1.285B-$1.305B to $1.290B-$1.310B vs $1.303B Est
📈 PositiveBenzinga•Sep 2, 2025, 08:04 PM
HealthEquity Raises FY2026 GAAP EPS Guidance from $1.96-$2.13 to $2.11-$2.28 vs $2.25 Est; Raises FY2026 Sales Guidance from $1.285B-$1.305B to $1.290B-$1.310B vs $1.303B Est
📈 PositiveBenzinga•Sep 2, 2025, 08:03 PM
Frequently Asked Questions about HQY
What is HQY's current stock price?
HealthEquity, Inc. (HQY) is currently trading at $95.50 per share. The stock has moved +0.00% today.
What is the analyst price target for HQY?
The average analyst price target for HQY is $120.00, based on 1 analyst.
What sector is HealthEquity, Inc. in?
HealthEquity, Inc. operates in the Healthcare sector, specifically within the Medical - Healthcare Information Services industry. The company is traded on the NASDAQ exchange.
What is HQY's market cap?
HealthEquity, Inc. has a market capitalization of $8.26 billion, making it a mid-cap company.
Does HQY pay dividends?
No, HealthEquity, Inc. does not currently pay a dividend to shareholders.
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