HealthEquity, Inc. (HQY) — Stock Score Summary

HealthEquity, Inc. (HQY) has a MoatMap StockRank of 77/100 based on Quality (68/100), Value (36/100), and Momentum (56/100) factor scores. The current signal is BUY. HealthEquity is a high-quality HSA administrator with strong switching costs, but it lacks the immediate thematic velocity required for our concentrated 18-month portfolio.

HealthEquity, Inc. is a leading independent administrator of health savings accounts (HSAs) and other consumer-directed benefits (CDBs), providing a technology-driven platform for managing healthcare finances. The company's competitive moat is built on its extensive network of employer and health plan partners, high customer retention due to sticky accounts, and a comprehensive platform that simplifies healthcare saving and spending. As a market leader, HealthEquity benefits from the increasing adoption of HSAs and the complexity of healthcare finance.

Key Financial Metrics

Price$85.21
Market Cap$7.6B
P/E (TTM)35.47
P/E (Forward)16.34
Price/Book3.52
Return on Equity10.2%
Return on Invested Capital10.4%
Debt/Equity47.53
Gross Margin69.5%
Operating Margin21.6%
Revenue Growth7.3%
Free Cash Flow$338M

HealthEquity, Inc. operates in the Health Information Services industry, part of the Healthcare sector (United States).

Frequently Asked Questions

What is HealthEquity, Inc.’s (HQY) StockRank?
MoatMap’s StockRank for HealthEquity, Inc. (HQY) is 77/100, with a Buy signal. It is a composite of Quality (68), Value (36), and Momentum (56) factor ranks across MoatMap’s 19,000+ stock universe.
Does HealthEquity, Inc. have an economic moat?
HealthEquity, Inc. (HQY) has a Quality factor score of 68/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is HealthEquity, Inc. a buy, hold, or sell?
MoatMap’s current signal for HealthEquity, Inc. (HQY) is Buy, based on a StockRank of 77/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is HealthEquity, Inc. in?
HealthEquity, Inc. (HQY) operates in the Healthcare sector, specifically the Health Information Services industry (United States).
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