HealthEquity, Inc.(HQY:US)
Market Cap$7.724B
Key Metrics
Price$92.03
Revenue (TTM)$1.337B
Holders Revenue (TTM)$363.5M
Gross Profit (TTM)$945.12M
Earnings (TTM)$230.7M
EBITDA (TTM)$512.75M
Op. Margin (TTM)25.96%
Dividend Yield-
Holders Yield4.71%
Cash on hand$265.37M
Total Assets$3.306B
Net Assets$2.047B
Total Debt$984.68M
Key Metrics
Price$92.03
Revenue (TTM)$1.337B
Holders Revenue (TTM)$363.5M
Gross Profit (TTM)$945.12M
Earnings (TTM)$230.7M
EBITDA (TTM)$512.75M
Op. Margin (TTM)25.96%
Dividend Yield-
Holders Yield4.71%
Cash on hand$265.37M
Total Assets$3.306B
Net Assets$2.047B
Total Debt$984.68M
Financials
| Name | Apr 30, 2026 | Jan 31, 2026 | Oct 31, 2025 | Jul 31, 2025 | Apr 30, 2025 | Jan 31, 2025 | Oct 31, 2024 | Jul 31, 2024 | Apr 30, 2024 | Jan 31, 2024 | Oct 31, 2023 | Jul 31, 2023 | Apr 30, 2023 | Jan 31, 2023 | Oct 31, 2022 | Jul 31, 2022 | Apr 30, 2022 | Jan 31, 2022 | Oct 31, 2021 | Jul 31, 2021 | Apr 30, 2021 | Jan 31, 2021 | Oct 31, 2020 | Jul 31, 2020 | Apr 30, 2020 | Jan 31, 2020 | Oct 31, 2019 | Jul 31, 2019 | Apr 30, 2019 | Jan 31, 2019 | Oct 31, 2018 | Jul 31, 2018 | Apr 30, 2018 | Jan 31, 2018 | Oct 31, 2017 | Jul 31, 2017 | Apr 30, 2017 | Jan 31, 2017 | Oct 31, 2016 | Jul 31, 2016 | Apr 30, 2016 | Jan 31, 2016 | Oct 31, 2015 | Jul 31, 2015 | Apr 30, 2015 | Jan 31, 2015 | Oct 31, 2014 | Jul 31, 2014 | Apr 30, 2014 | Jan 31, 2014 | Oct 31, 2013 | Jul 31, 2013 | Apr 30, 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | $354.64M | $334.59M | $322.16M | $325.84M | $330.84M | $311.82M | $300.43M | $299.93M | $287.6M | $262.39M | $249.22M | $243.55M | $244.43M | $233.84M | $216.09M | $206.14M | $205.68M | $203.3M | $179.95M | $189.1M | $184.2M | $188.17M | $179.35M | $176.04M | $190.01M | $201.2M | $157.12M | $86.62M | $87.05M | $75.78M | $70.5M | $71.07M | $69.9M | $60.44M | $56.79M | $56.88M | $55.42M | $46.81M | $43.36M | $44.19M | $44.01M | $35.89M | $30.56M | $30.49M | $29.85M | $24.87M | $21.86M | $20.89M | $20.23M | $17.16M | $15.25M | $14.98M | $14.62M |
Cost of Revenue | $98.33M | $106.44M | $94.1M | $93.24M | $106.53M | $122.77M | $103.41M | $95.88M | $100.46M | $96.91M | $90.04M | $91.88M | $95.96M | $99.59M | $89.23M | $88.33M | $94.51M | $98M | $76.63M | $77.13M | $81.09M | $87.25M | $74.79M | $74.26M | $81.94M | $87.52M | $61.08M | $28.18M | $29.3M | $31.33M | $24.68M | $24.49M | $25.55M | $28.79M | $23.06M | $21.08M | $21.68M | $22.59M | $17.47M | $15.63M | $16.33M | $17.46M | $12.88M | $11.91M | $11.94M | $12.36M | $9.63M | $9.12M | $8.77M | $8.74M | $6.87M | $6.64M | $6.97M |
Gross Profit | $256.31M | $228.15M | $228.06M | $232.6M | $224.31M | $189.04M | $197.03M | $204.05M | $187.14M | $165.47M | $159.18M | $151.67M | $148.47M | $134.25M | $126.86M | $117.81M | $111.17M | $105.3M | $103.32M | $111.97M | $103.12M | $100.92M | $104.56M | $101.78M | $108.07M | $113.68M | $96.04M | $58.44M | $57.75M | $44.45M | $45.82M | $46.58M | $44.36M | $31.65M | $33.73M | $35.8M | $33.74M | $24.23M | $25.89M | $28.55M | $27.68M | $18.43M | $17.68M | $18.59M | $17.91M | $12.51M | $12.23M | $11.77M | $11.46M | $8.42M | $8.38M | $8.34M | $7.66M |
| $125.73M | $128.8M | $121.21M | $114.72M | $112.96M | $117.71M | $114.61M | $112.37M | $117.82M | $101.09M | $102.42M | $101.72M | $98.67M | $92.76M | $91.27M | $88.36M | $85.47M | $83.12M | $70.8M | $76.19M | $70.24M | $68.68M | $65.74M | $63.31M | $61.53M | $68.82M | $55.39M | $29.3M | $28.58M | $26.37M | $25.34M | $23.53M | $22.35M | $21.67M | $19.01M | $18.23M | $16.73M | $16.97M | $15.77M | $14.73M | $13.38M | $13.09M | $10.96M | $10.68M | $9.52M | $10.08M | $7.53M | $6.29M | $5.56M | $6.42M | $4.57M | $4.32M | $4.32M | |
| Research and Development | $67.77M | $70.35M | $65.92M | $64.8M | $61.44M | $64.65M | $60.19M | $58.58M | $56.09M | $55.24M | $55.61M | $54.77M | $53.19M | $52.72M | $48.89M | $46.58M | $45.18M | $45.93M | $38.07M | $37.9M | $35.47M | $32.32M | $30.76M | $30.65M | $31.08M | $31.52M | $23.51M | $11.65M | $10.91M | $10M | $8.68M | $8.4M | $7.98M | $7.48M | $6.87M | $6.8M | $6.24M | $6.55M | $6.21M | $4.99M | $4.63M | $4.89M | $4.42M | $4M | $3.52M | $3.2M | $2.81M | $2.3M | $2.19M | $2.01M | $1.8M | $1.66M | $1.67M |
| Selling, General, and Administrative | $57.96M | $58.45M | $55.29M | $49.91M | $51.52M | $53.06M | $54.43M | $53.79M | $61.73M | $45.85M | $46.81M | $46.95M | $45.47M | $40.03M | $42.38M | $41.78M | $40.29M | $37.19M | $32.73M | $38.29M | $34.77M | $36.37M | $34.98M | $32.66M | $30.45M | $37.3M | $31.88M | $17.65M | $17.68M | $16.37M | $16.66M | $15.14M | $14.37M | $14.19M | $12.14M | $11.43M | $10.49M | $10.42M | $9.56M | $9.74M | $8.76M | $8.2M | $6.54M | $6.68M | $5.99M | $6.88M | $4.72M | $3.99M | $3.38M | $4.41M | $2.77M | $2.66M | $2.66M |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Income | $104.07M | $72.4M | $79.85M | $90.88M | $84.35M | $44.33M | $54.06M | $60.71M | $43.77M | $41.17M | $33.55M | $26.78M | $26.64M | $18.33M | $12.05M | $5.27M | $2.01M | -$867K | $12.88M | $15.5M | $13.06M | $13.08M | $19.7M | $19.39M | $27.84M | $26.19M | $27.6M | $27.65M | $27.68M | $16.58M | $18.99M | $21.56M | $20.54M | $8.43M | $13.56M | $16.5M | $15.93M | $6.18M | $9.04M | $12.74M | $13.25M | $4.36M | $6.3M | $7.5M | $7.98M | $2.02M | $4.29M | $5.07M | $5.49M | $1.59M | $3.4M | $3.61M | $2.93M |
| -$11.65M | -$11.5M | -$12.32M | -$12.83M | -$13.4M | -$14.37M | -$47.84M | -$14.09M | -$10.53M | -$11.45M | -$12.46M | -$12.56M | -$16.63M | -$18.32M | -$18.23M | -$19.14M | -$20.06M | -$42.9M | -$22M | -$23.28M | -$19.13M | -$14.42M | -$15.57M | -$20.08M | -$25.8M | -$26.8M | -$58.85M | -$3.91M | $23.6M | -$221K | -$1.56M | -$75K | -$1K | -$1.71M | -$395K | -$38K | -$90K | -$158K | -$256K | -$37K | -$641K | -$63K | $121K | -$542K | -$105K | -$98K | -$145K | -$39K | -$827K | -$5.85M | -$138K | -$40K | -$83K | |
| Non-Operating Interest Income | $1.89M | $2.77M | $2.86M | $3.36M | $2.73M | $3.03M | $3.9M | $3.1M | $3.88M | $4.34M | $3.71M | $2.48M | $1.6M | $1.18M | $443K | $89K | $52K | $82K | $478K | $533K | $408K | $195K | $174K | $76K | $600K | $632K | $2.05M | $1.88M | $1.34M | - | $358K | $234K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Non-Operating Interest Expense | $12.59M | $13.27M | $14.05M | $14.96M | $14.86M | $15.26M | $18.16M | $15.43M | $11.8M | $13.64M | $13.55M | $13.27M | $15M | $14.31M | $12.17M | $11.49M | $10.46M | $10.75M | $11.88M | $7.25M | $6.69M | $6.77M | $6.95M | $8.9M | $12.26M | $14.42M | $10.23M | $67K | $63K | - | $68K | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $0 | $0 | - | - | $10K | $10K |
| Other Income/Expense | -$952K | -$995K | -$1.14M | -$1.24M | -$1.28M | -$2.14M | -$33.59M | -$1.77M | -$2.62M | -$2.15M | -$2.63M | -$1.77M | -$3.23M | -$5.19M | -$6.51M | -$7.74M | -$9.65M | -$32.23M | -$10.6M | -$16.56M | -$12.85M | -$7.84M | -$8.79M | -$11.27M | -$14.13M | -$13.02M | -$50.67M | -$5.73M | $22.32M | -$221K | -$1.85M | -$309K | -$1K | -$1.71M | -$395K | -$38K | -$90K | -$158K | -$256K | -$37K | -$641K | -$63K | $121K | -$542K | -$105K | -$98K | -$145K | -$39K | -$827K | -$5.85M | -$138K | -$30K | -$73K |
Income Before Tax | $92.41M | $60.9M | $67.53M | $78.05M | $70.95M | $29.96M | $6.22M | $46.62M | $33.24M | $29.72M | $21.09M | $14.22M | $10.01M | $8K | -$6.18M | -$13.87M | -$18.05M | -$43.77M | -$9.13M | -$7.79M | -$6.07M | -$1.34M | $4.13M | -$691K | $2.04M | -$607K | -$31.25M | $23.74M | $51.28M | $16.36M | $17.43M | $21.49M | $20.54M | $6.73M | $13.17M | $16.46M | $15.84M | $6.02M | $8.79M | $12.7M | $12.61M | $4.3M | $6.43M | $6.96M | $7.88M | $1.92M | $4.15M | $5.03M | $4.66M | -$4.3M | $3.26M | $3.57M | $2.84M |
Income Tax | $23M | $11.16M | $15.84M | $18.19M | $17.04M | $3.6M | $515K | $10.79M | $4.43M | $3.35M | $6.41M | $3.64M | $5.92M | $217K | -$4.54M | -$3.22M | -$4.41M | -$10.95M | -$4.09M | -$3.97M | -$3.45M | -$6.71M | $2.34M | -$543K | $218K | -$417K | -$9.92M | $4.37M | $9.46M | $3.24M | $1.75M | -$1.03M | -$2.04M | $823K | $2.69M | -$489K | $1.81M | $1.96M | $2.78M | $4.47M | $4.54M | $1.17M | $2.34M | $2.54M | $2.9M | $551K | $1.1M | $2M | $1.94M | $417K | $1.28M | $1.35M | $1.09M |
Net Income | $69.42M | $49.74M | $51.69M | $59.85M | $53.92M | $26.37M | $5.7M | $35.82M | $28.81M | $26.36M | $14.67M | $10.58M | $4.09M | -$209K | -$1.64M | -$10.65M | -$13.64M | -$32.82M | -$5.04M | -$3.82M | -$2.62M | $5.37M | $1.79M | -$148K | $1.83M | -$190K | -$21.33M | $19.37M | $41.82M | $13.12M | $15.69M | $22.52M | $22.58M | $5.91M | $10.48M | $16.95M | $14.03M | $4.06M | $6.01M | $8.23M | $8.07M | $3.13M | $4.09M | $4.42M | $4.98M | $1.37M | $3.05M | $3.03M | $2.72M | -$4.72M | $1.98M | $2.22M | $1.75M |
Minority Interests | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Preferred Stock Dividends | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | $0 | $0 | $0 | $0 | -$442K | $8K | $831K | -$1.76M | -$7.31M | $721K | $883K | - |
Net Income to Common | $69.42M | $49.74M | $51.69M | $59.85M | $53.92M | $26.37M | $5.7M | $35.82M | $28.81M | $26.36M | $14.67M | $10.58M | $4.09M | -$209K | -$1.64M | -$10.65M | -$13.64M | -$32.82M | -$5.04M | -$3.82M | -$2.62M | $5.37M | $1.79M | -$148K | $1.83M | -$190K | -$21.33M | $19.37M | $41.82M | $13.12M | $15.69M | $22.52M | $22.58M | $5.91M | $10.48M | $16.95M | $14.03M | $4.06M | $6.01M | $8.23M | $8.07M | $3.13M | $4.09M | $4.42M | $4.98M | $1.81M | $3.04M | $2.2M | $4.48M | $2.59M | $1.26M | $1.34M | $1.75M |
Shares Outstanding (Basic) | 84.41M | 85.34M | 86M | 86.55M | 86.66M | 86.68M | 87.19M | 87.13M | 86.47M | 85.98M | 85.7M | 85.53M | 85.03M | 84.72M | 84.57M | 84.44M | 84.02M | 83.71M | 83.55M | 83.48M | 81.75M | 76.85M | 76.7M | 72.34M | 70.98M | 70.88M | 70.52M | 64.22M | 62.33M | 62.18M | 62.09M | 61.88M | 61.17M | 60.73M | 60.56M | 60.17M | 59.72M | 59.44M | 58.94M | 58.25M | 57.82M | 57.67M | 57.35M | 56.73M | 55.06M | 54.77M | 53.68M | 8.14M | 49.6M | - | 8.14M | 8.14M | 45M |
Shares Outstanding (Diluted) | 85.01M | 86.29M | 86.97M | 87.75M | 88.42M | 88.61M | 88.63M | 88.65M | 88.32M | 87.44M | 87.12M | 86.34M | 86.1M | 84.72M | 84.57M | 84.44M | 84.02M | 83.71M | 83.55M | 83.48M | 81.75M | 78.56M | 77.85M | 72.34M | 72.29M | 70.88M | 70.52M | 65.58M | 63.9M | 63.72M | 63.92M | 63.4M | 62.69M | 62.29M | 61.87M | 61.77M | 61.4M | 60.65M | 60.07M | 59.65M | 59.4M | 59.42M | 59.26M | 58.93M | 57.77M | 57.54M | 57.55M | 41.68M | 49.6M | - | 41.68M | 41.68M | 49.82M |
EPS (Basic) | $0.82 | $0.58 | $0.60 | $0.69 | $0.62 | $0.30 | $0.07 | $0.41 | $0.33 | $0.31 | $0.17 | $0.12 | $0.05 | -$0.0025 | -$0.02 | -$0.13 | -$0.16 | -$0.39 | -$0.06 | -$0.05 | -$0.03 | $0.07 | $0.02 | -$0.002 | $0.03 | -$0.0027 | -$0.30 | $0.30 | $0.67 | $0.21 | $0.25 | $0.36 | $0.37 | $0.10 | $0.17 | $0.28 | $0.23 | $0.07 | $0.10 | $0.14 | $0.14 | $0.05 | $0.07 | $0.08 | $0.09 | $0.03 | $0.06 | $0.19 | $0.078 | - | $0.075 | $0.085 | $0.039 |
EPS (Diluted) | $0.82 | $0.58 | $0.59 | $0.68 | $0.61 | $0.30 | $0.06 | $0.40 | $0.33 | $0.30 | $0.17 | $0.12 | $0.05 | -$0.0025 | -$0.02 | -$0.13 | -$0.16 | -$0.39 | -$0.06 | -$0.05 | -$0.03 | $0.07 | $0.02 | -$0.002 | $0.03 | -$0.0027 | -$0.30 | $0.30 | $0.65 | $0.21 | $0.25 | $0.36 | $0.36 | $0.09 | $0.17 | $0.27 | $0.23 | $0.07 | $0.10 | $0.14 | $0.14 | $0.05 | $0.07 | $0.08 | $0.09 | $0.02 | $0.05 | $0.06 | $0.07 | - | $0.029 | $0.044 | $0.035 |
EBIT | $105M | $74.17M | $81.58M | $93M | $85.81M | $45.22M | $24.37M | $62.04M | $45.03M | $43.36M | $34.63M | $27.5M | $25.01M | $14.31M | $5.99M | -$2.38M | -$7.59M | -$33.02M | $2.76M | -$531K | $623K | $5.43M | $11.08M | $8.2M | $14.31M | $13.81M | -$21.03M | $23.8M | $51.34M | $16.58M | $17.5M | $21.56M | $20.54M | $8.43M | $13.56M | $16.5M | $15.93M | $6.18M | $9.04M | $12.74M | $13.25M | $4.36M | $6.3M | $7.5M | $7.98M | $911K | $4.29M | $5.07M | $5.49M | -$4.52M | $3.4M | $3.58M | $2.85M |
EBITDA | $144.33M | $114.17M | $121.52M | $132.72M | $125.83M | $86.58M | $99.53M | $107.43M | $86.12M | $83.55M | $75.07M | $67.89M | $67.51M | $59.9M | $52.99M | $46.09M | $41.2M | $38.09M | $46.86M | $50.56M | $47.14M | $51.55M | $48.67M | $47.14M | $54.68M | $51.93M | $48.36M | $34.36M | $33.79M | $21.27M | $22.93M | $26.18M | $25.06M | $13.24M | $17.57M | $20.15M | $19.41M | $9.82M | $12.46M | $15.92M | $16.2M | $7.23M | $8.37M | $9.41M | $9.73M | $2.61M | $5.84M | $6.46M | $7.47M | $2.48M | $4.66M | $4.59M | $3.83M |