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HealthEquity, Inc. (HQY) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

HealthEquity, Inc.

HQYMarket cap $7.60BPrice $91.9

Country🇺🇸United States

SectorHealthcare

IndustryHealthcare Services

HealthEquity manages health savings accounts that let Americans save pre-tax dollars for medical costs. It's the largest HSA custodian in the country, holding billions in tax-advantaged funds most people forget they even have.

In Bastion Portfolios?

52W Return+0%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%8

Revenue Forecast

Rev CAGR (1y)+8%5

Rev CAGR (3y)+7%5

Rev CAGR (5y)+5%5

Earnings Forecast

EPS Growth Y+1+92%10

EPS Growth Y+2+14%7

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin26%8

Net Income Margin17%7

Free Cash Flow Margin36%10

Debt

Net Debt/EBITDA1.45

Efficiency

ROE11%5

ROA7%7

Earnings Stability88

GEAR+STRONG71

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)185

P/E Ratio (Forward 3y)164

P/BV3.84

EV Multiples

EV/EBITDA Fwd134

EV/EBIT Fwd223

Yield

Free Cash Flow Yield6.4%7

Dividend Yieldna–

Momentum

Short term

1 month return-2%7

3 month return-3%5

YTD return+0%5

Mid term

Price vs 52wHigh85%7

1 year return-0%5

Long term

3 year return+23%4

5 year return+42%5

Risk Shield

Price Risk

Beta0.95

Volatility35%5

Free Cash Flow

Free Cash Flow Margin36%10

Free Cash Flow Yield6.4%7

Quality

ROCE11%6

Earnings Stability88

Net Debt/EBITDA1.45

02Growth

Is it actually growing, and how fast?

HQYHealthEquity

Revenue FY26$1.3B

GROWTH RATING↗

AVERAGE53 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+8%5

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+92%10

EPS growth, FY28E+14%7

EPS growth, FY29E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Earnings are set to grow faster than sales (EPS about 14%/yr vs revenue 7%/yr), so margins should widen.

WATCH

A mid-pack grower, ahead of 53% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 15%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+0%5

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return-0%5

3-year return+23%4

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Average long-term results. Multi-year returns are middling (+23% over three years and +42% over five), roughly average for the market.

It's down 0.2% over the past year, now 15% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-3%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on HealthEquity. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

HQYHealthEquity

Revenue FY26$1.3B

GROWTH RATING↗

AVERAGE53 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+8%5

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+5%5

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+92%10

EPS growth, FY28E+14%7

EPS growth, FY29E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Earnings are set to grow faster than sales (EPS about 14%/yr vs revenue 7%/yr), so margins should widen.

WATCH

A mid-pack grower, ahead of 53% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 15%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 5%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return+0%5

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return-0%5

3-year return+23%4

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

Average long-term results. Multi-year returns are middling (+23% over three years and +42% over five), roughly average for the market.

It's down 0.2% over the past year, now 15% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over three months (-3%) and so far this year (+0%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on HealthEquity. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community