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HealthEquity

NSQ:HQY · US42226A1079
Health Care Providers & ServicesLarge

360

95
EV / EBIT36
Price / Owner Earnings59
Owner Earnings Yield85
Dividend Yield1
Price/Sales5
EV / Gross Profit44
Price/Book34
Return on Capital66
Cash Return on Capital88
Return on Equity58
EBIT Margin97
Gross Profitability69
Cash Conversion67
Accruals89
Owner Earnings Margin100
Sales growth50
Profit Growth71
Long-Term EPS Growth75
Owner Earnings Growth69
Reinvestment16
Price momentum28
Debt load64
Refinancing56
Debt Payback70
Liquidity71
Analyst ratings64
Opinion Changes50
Price Target Upside74
Market mood81
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

HealthEquity generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryHealth Care Providers & Services
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded2002
Employees1,910
Websitehealthequity.com
ISINUS42226A1079
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P MIDCAP (USA)D.J. US Health Care
Themes
Artificial IntelligenceFintechRobo-AdvisorsOnline PaymentsProcess AutomationCloud ManagementEmployee BenefitsFinancial ServicesHealth CarePayments

Description

HealthEquity, Inc. (HealthEquity) provides technology-enabled services that empower consumers to make healthcare saving, spending, and investing decisions. The company’s sole geographic market is the U.S. The company uses its innovative technology t…

Analysis

Quality compounder

HealthEquity, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is fair. The owner-earnings multiple stands at 19.5×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 6% a year, against analyst forecasts of 15%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 16/20 on our value-creation score: strong value creator.

Flags to be aware of: A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
39
2023202420252026

All-time high

78

Jan 2024

All-time low

26

Jan 2025

Average rank

50

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
5
3
30
38
Price/Earnings
37
25
72
52
Price/Book
34
34
42
65
Dividend Yield
1
1
1
1
Value (overall)
10
1
20
39

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →