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HQY | NASDAQ

$100.65 $2.77 | 2.83%

TREND SIGNAL: Signal available — unlock to view

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|2026-10-21

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Company Overview:

Market Cap: $8.10B

Trailing PE: 36.3x

FWD PE *: 19.9x

Payout Ratio (TTM): —

52-Week Range: $72.76 - $107.62

* Forward PE is based on street estimates.

10 Year HQY Performance Metrics:

Total Return (with DRIP): 184.1% (11.01% CAGR)

Total Return (no DRIP): 184.1% (11.01% CAGR)

Share Price: 182.5% (10.94% CAGR)

Yield on Cost (with DRIP): —

Total Invested: $10,000

Total Value (with DRIP): $28,408

Total Return $ (with DRIP): $18,408

HQY Total Return

1M 3M 6M YTD 1Y 3Y 5Y 10Y

HQY Price Chart

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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HQY Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

HQY - Revenue

HQY Revenue CAGR:1Y: 7.64%2Y: 8.14%5Y: 13.15%10Y: 23.02%

HQY - Earnings Per Share (EPS)

HQY EPS CAGR:1Y: 14.71%2Y: 39.64%5Y: 0.00%10Y: 18.74%

HQY - Net Income

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HQY Net Income CAGR:1Y: 9.67%2Y: 35.37%5Y: 0.00%10Y: 23.07%

HQY - EBITDA

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HQY EBITDA CAGR:1Y: 9.08%2Y: 16.50%5Y: 34.55%10Y: 24.59%

HQY - Free Cash Flow

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HQY Free Cash Flow CAGR:1Y: -20.35%2Y: 0.00%5Y: 52.88%10Y: 27.58%

HQY - Free Cash Flow / Share

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HQY Free Cash Flow / Share CAGR:1Y: -7.16%2Y: 0.00%5Y: 56.51%10Y: 24.52%

HQY - Operating Income

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HQY Operating Income CAGR:1Y: 9.66%2Y: 28.13%5Y: 0.00%10Y: 22.84%

HQY - Gross Profit

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HQY Gross Profit CAGR:1Y: 25.47%2Y: 22.08%5Y: 18.16%10Y: 24.62%

HQY - Shares Outstanding

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HQY Shares Outstanding CAGR:1Y: -4.25%2Y: -2.65%5Y: 0.13%10Y: 3.48%

HQY - Share Buybacks

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HQY Share Buybacks CAGR:1Y: 61.42%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HQY - Stock-Based Comp

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HQY Stock-Based Comp CAGR:1Y: 16.48%2Y: 1.46%5Y: 7.30%10Y: 24.37%

HQY - Expenses

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HQY Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

HQY - Revenue vs Net Income

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HQY - EPS vs FCF / Share

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HQY - EPS vs PE Ratio

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HQY - FCF vs FCF / Share

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HQY - FCF vs Stock Based Comp

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HQY - Cash & Debt

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HQY - Revenue by Segment

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HQY Revenue CAGR:1Y: 7.64%2Y: 8.14%5Y: 13.15%10Y: 23.02%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

HQY - REVENUE: Actual + Estimates

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HQY Actual Revenue CAGR:1Y: 7.64%2Y: 8.14%5Y: 13.15%10Y: 23.02%

HQY - EPS: Actual + Estimates

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HQY Actual EPS CAGR:1Y: 14.71%2Y: 39.64%5Y: 0.00%10Y: 18.74%

HQY - NET INCOME: Actual + Estimates

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HQY Actual Net Income CAGR:1Y: 9.67%2Y: 35.37%5Y: 0.00%10Y: 23.07%

HQY - EBITDA: Actual + Estimates

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HQY Actual EBITDA CAGR:1Y: 9.08%2Y: 16.50%5Y: 34.55%10Y: 24.59%

Ratios, Profit Margins & Return on Capital:

HQY - Net Profit Margin

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HQY Net Profit Margin CAGR:1Y: 1.91%2Y: 25.21%5Y: 0.00%10Y: 0.05%

HQY - Gross Profit Margin

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HQY Gross Profit Margin CAGR:1Y: 16.56%2Y: 12.90%5Y: 4.43%10Y: 1.30%

HQY - Price to Earnings

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HQY Price to Earnings CAGR:1Y: -9.41%2Y: -18.32%5Y: 0.00%10Y: -4.73%

HQY - Price To Sales Ratio

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HQY Price To Sales Ratio CAGR:1Y: -7.18%2Y: 2.42%5Y: -6.04%10Y: -4.66%

HQY - Return on Capital Employed

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HQY Return on Capital Employed CAGR:1Y: 14.95%2Y: 33.03%5Y: 0.00%10Y: -4.97%

HQY - Return on Invested Capital

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HQY Return on Invested Capital CAGR:1Y: 11.97%2Y: 31.34%5Y: 0.00%10Y: -3.64%

Projected Future Returns & Dividends for HQY

Based on past 10-year performance, here are HQY growth metrics:

Share price CAGR of +10.94%
Dividend CAGR of +0%

Using HQY CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	HQY (DRIP)	HQY - No DRIP
Current Price	$100.65	$100.65
Start Shares	99.35	99.35
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	99.35	99.35
Dividends Payment	$0.00	$0.00
Annual Dividends	$0	$0
Yield on cost	0.00%	0.00%
Share Price	$100.65	$100.65
Total Dividends	$0	$0
Final Value	$10,000	$10,000

Estimated Future Value + Dividends - HQY

NOTE: Above numbers are our estimate based on HQY's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

HealthEquity, Inc. (HQY) had its IPO on 2014-07-31, and is traded on NASDAQ stock exchange.

Headquartered in Draper, Utah, and established in 2002, HealthEquity, Inc. furnishes technology-powered service platforms to both individual consumers and employers across the United States. The company provides cloud-based solutions designed to assist individuals in overseeing their healthcare expenditures and savings. These platforms enable users to make informed decisions about their health finances, pay medical bills, compare treatment options and costs, access personalized benefits and clinical data, earn incentives for wellness, and grow their savings through various investment avenues, including specific investment choices. In addition to these personal financial management tools, HealthEquity administers a range of health-related accounts, such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Arrangements (HRAs). Its offerings also encompass a mutual fund investment platform, an automated online advisory service known as Advisor, COBRA continuation services, and the management of pre-tax commuter benefits programs. HealthEquity markets its services through a dedicated direct sales team, collaborates with benefits brokers and advisors, and leverages a comprehensive network comprising health plans, benefits administrators, consultants, and retirement plan record-keepers.

HQY website: https://www.healthequity.com

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DCF Model — HQY

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $100.65

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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