Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HQY
Strong BuyPremium GrowerFLAGHealthEquity, Inc. · Healthcare · United States · $8.0B · Avg Vol: $75M/d
HealthEquity has quality Q71 and momentum M73 with a buyback retiring 1.82% of shares, but value at V39 is below the calibrated floor, so stage one fails. Insider selling is separately adverse.
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 756.6M | 861.7M | 999.6M | 1.2B | 1.3B | 14.8% | 1.4B | 1.4B | 1.5B | 7.8% |
| EPS | -0.53 | -0.31 | 0.65 | 1.11 | 2.50 | 96.1% | 2.77 | 2.95 | 3.43 | 17.2% |
| Shares | 83.8M | 84.8M | 86.1M | 86.5M | 85.0M | +1.5% | 82.7M | — | — | — |
| Debt | 1.0B | 994.5M | 933.1M | 1.1B | 1.0B | -0.2% | 971.0M | — | — | — |
| Equity | 1.9B | 1.9B | 2.0B | 2.1B | 2.1B | 3.3% | — | — | — | — |
| Op CF | 141.0M | 150.7M | 242.8M | 339.9M | 457.1M | 34.2% | 490.2M | — | — | — |
| Inv CF | -639.2M | -119.1M | -46.1M | -505.5M | -47.1M | — | — | — | — | — |
| Fin CF | 394.9M | -2.7M | -47.0M | 57.6M | -387.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Healthcare, ranked by industry match, size, and score similarity. Cross-listings of HQY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HQY | HealthEquity, Inc.(you) | $8.0B | 82 | Strong Buy |
| HNGE | Hinge Health, Inc. | $7.0B | 84 | Strong Buy |
| BTSG | BrightSpring Health Services, Inc. | $11.7B | 84 | Strong Buy |
| TXG | 10x Genomics, Inc. | $8.0B | 60 | Hold |
| WAY | Waystar Holding Corp. | $5.0B | 62 | Hold |
| DOCS | Doximity, Inc. | $4.8B | 61 | Hold |
| VEEV | Veeva Systems Inc. | $44.8B | 82 | Strong Buy |
| GDRX | GoodRx Holdings, Inc. | $1.2B | 77 | Buy |
| OMCL | Omnicell, Inc. | $1.5B | 66 | Buy |
| HSTM | HealthStream, Inc. | $859M | 87 | Strong Buy |
Peer medians: ROE -30.8% · P/E 26.9x · Gross margin 58.1%