86.94 USD
+1.34 (+1.57%)
86.94 USD
0 (0%)
Overall HQY gets a fundamental rating of 6 out of 10. We evaluated HQY against 100 industry peers in the Health Care Providers & Services industry. HQY gets an excellent profitability rating and is at the same time showing great financial health properties. HQY is growing strongly while it is still valued neutral. This is a good combination! These ratings could make HQY a good candidate for growth and quality investing.
1. Profitability
1.1 Basic Checks
- In the past year HQY was profitable.
- HQY had a positive operating cash flow in the past year.
- In multiple years HQY reported negative net income over the last 5 years.
- HQY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of HQY (5.65%) is better than 81.00% of its industry peers.
- Looking at the Return On Equity, with a value of 8.99%, HQY is in the better half of the industry, outperforming 69.00% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 7.20%, HQY is in the better half of the industry, outperforming 68.00% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for HQY is significantly below the industry average of 9.19%.
- The 3 year average ROIC (3.06%) for HQY is below the current ROIC(7.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.65% | ||
| ROE | 8.99% | ||
| ROIC | 7.2% |
ROA(3y)1.24%
ROA(5y)0.52%
ROE(3y)1.98%
ROE(5y)0.84%
ROIC(3y)3.06%
ROIC(5y)2.55%
1.3 Margins
- HQY's Profit Margin of 14.86% is amongst the best of the industry. HQY outperforms 99.00% of its industry peers.
- In the last couple of years the Profit Margin of HQY has grown nicely.
- With an excellent Operating Margin value of 23.20%, HQY belongs to the best of the industry, outperforming 98.00% of the companies in the same industry.
- HQY's Operating Margin has declined in the last couple of years.
- HQY has a Gross Margin of 67.72%. This is amongst the best in the industry. HQY outperforms 86.00% of its industry peers.
- In the last couple of years the Gross Margin of HQY has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.2% | ||
| PM (TTM) | 14.86% | ||
| GM | 67.72% |
OM growth 3Y46.64%
OM growth 5Y-3.79%
PM growth 3YN/A
PM growth 5Y1.57%
GM growth 3Y4.97%
GM growth 5Y1.12%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HQY is destroying value.
- Compared to 1 year ago, HQY has more shares outstanding
- Compared to 5 years ago, HQY has more shares outstanding
- HQY has a worse debt/assets ratio than last year.
2.2 Solvency
- HQY has an Altman-Z score of 4.36. This indicates that HQY is financially healthy and has little risk of bankruptcy at the moment.
- HQY has a Altman-Z score of 4.36. This is in the better half of the industry: HQY outperforms 78.00% of its industry peers.
- The Debt to FCF ratio of HQY is 2.71, which is a good value as it means it would take HQY, 2.71 years of fcf income to pay off all of its debts.
- HQY's Debt to FCF ratio of 2.71 is fine compared to the rest of the industry. HQY outperforms 75.00% of its industry peers.
- HQY has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of HQY (0.46) is better than 63.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 2.71 | ||
| Altman-Z | 4.36 |
ROIC/WACC0.81
WACC8.86%
2.3 Liquidity
- HQY has a Current Ratio of 4.13. This indicates that HQY is financially healthy and has no problem in meeting its short term obligations.
- The Current ratio of HQY (4.13) is better than 91.00% of its industry peers.
- A Quick Ratio of 4.13 indicates that HQY has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 4.13, HQY belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.13 | ||
| Quick Ratio | 4.13 |
3. Growth
3.1 Past
- HQY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.15%, which is quite impressive.
- HQY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.72% yearly.
- Looking at the last year, HQY shows a quite strong growth in Revenue. The Revenue has grown by 12.20% in the last year.
- HQY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.66% yearly.
EPS 1Y (TTM)22.15%
EPS 3Y33.01%
EPS 5Y12.72%
EPS Q2Q%29.49%
Revenue 1Y (TTM)12.2%
Revenue growth 3Y16.61%
Revenue growth 5Y17.66%
Sales Q2Q%7.23%
3.2 Future
- Based on estimates for the next years, HQY will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.36% on average per year.
- The Revenue is expected to grow by 8.68% on average over the next years. This is quite good.
EPS Next Y27.51%
EPS Next 2Y21.33%
EPS Next 3Y19.36%
EPS Next 5YN/A
Revenue Next Year9.87%
Revenue Next 2Y8.7%
Revenue Next 3Y8.68%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 23.18, which indicates a rather expensive current valuation of HQY.
- Based on the Price/Earnings ratio, HQY is valued a bit cheaper than the industry average as 67.00% of the companies are valued more expensively.
- HQY's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.54.
- Based on the Price/Forward Earnings ratio of 18.87, the valuation of HQY can be described as rather expensive.
- 70.00% of the companies in the same industry are more expensive than HQY, based on the Price/Forward Earnings ratio.
- HQY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.18 | ||
| Fwd PE | 18.87 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HQY is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, HQY is valued a bit cheaper than the industry average as 68.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.48 | ||
| EV/EBITDA | 17.57 |
4.3 Compensation for Growth
- HQY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of HQY may justify a higher PE ratio.
- A more expensive valuation may be justified as HQY's earnings are expected to grow with 19.36% in the coming years.
PEG (NY)0.84
PEG (5Y)1.82
EPS Next 2Y21.33%
EPS Next 3Y19.36%
5. Dividend
5.1 Amount
- No dividends for HQY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
86.94
+1.34 (+1.57%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)12-03 2025-12-03/amc
Earnings (Next)03-16 2026-03-16/amc
Inst Owners107.91%
Inst Owner Change0.11%
Ins Owners1.58%
Ins Owner Change-0.02%
Market Cap7.43B
Revenue(TTM)1.29B
Net Income(TTM)191.83M
Analysts84
Price Target123.8 (42.4%)
Short Float %5.56%
Short Ratio5.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.96%
Min EPS beat(2)7.72%
Max EPS beat(2)16.19%
EPS beat(4)3
Avg EPS beat(4)9.14%
Min EPS beat(4)-5.01%
Max EPS beat(4)17.64%
EPS beat(8)7
Avg EPS beat(8)12.04%
EPS beat(12)11
Avg EPS beat(12)12.62%
EPS beat(16)13
Avg EPS beat(16)9.57%
Revenue beat(2)1
Avg Revenue beat(2)-0.04%
Min Revenue beat(2)-0.64%
Max Revenue beat(2)0.56%
Revenue beat(4)3
Avg Revenue beat(4)0.59%
Min Revenue beat(4)-0.64%
Max Revenue beat(4)1.57%
Revenue beat(8)7
Avg Revenue beat(8)1.48%
Revenue beat(12)11
Avg Revenue beat(12)1.25%
Revenue beat(16)14
Avg Revenue beat(16)1.19%
PT rev (1m)-0.19%
PT rev (3m)-0.57%
EPS NQ rev (1m)-0.72%
EPS NQ rev (3m)-3.3%
EPS NY rev (1m)2.15%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.18 | ||
| Fwd PE | 18.87 | ||
| P/S | 5.76 | ||
| P/FCF | 20.48 | ||
| P/OCF | 17.9 | ||
| P/B | 3.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.57 |
EPS(TTM)3.75
EY4.31%
EPS(NY)4.61
Fwd EY5.3%
FCF(TTM)4.24
FCFY4.88%
OCF(TTM)4.86
OCFY5.59%
SpS15.11
BVpS24.98
TBVpS-7.48
PEG (NY)0.84
PEG (5Y)1.82
Graham Number45.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.65% | ||
| ROE | 8.99% | ||
| ROCE | 9.14% | ||
| ROIC | 7.2% | ||
| ROICexc | 7.95% | ||
| ROICexgc | 120.82% | ||
| OM | 23.2% | ||
| PM (TTM) | 14.86% | ||
| GM | 67.72% | ||
| FCFM | 28.1% |
ROA(3y)1.24%
ROA(5y)0.52%
ROE(3y)1.98%
ROE(5y)0.84%
ROIC(3y)3.06%
ROIC(5y)2.55%
ROICexc(3y)3.42%
ROICexc(5y)2.86%
ROICexgc(3y)66.66%
ROICexgc(5y)61.07%
ROCE(3y)3.88%
ROCE(5y)3.24%
ROICexgc growth 3Y56.29%
ROICexgc growth 5Y6.43%
ROICexc growth 3Y65.75%
ROICexc growth 5Y6.63%
OM growth 3Y46.64%
OM growth 5Y-3.79%
PM growth 3YN/A
PM growth 5Y1.57%
GM growth 3Y4.97%
GM growth 5Y1.12%
F-Score9
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 2.71 | ||
| Debt/EBITDA | 2.16 | ||
| Cap/Depr | 33.68% | ||
| Cap/Sales | 4.05% | ||
| Interest Coverage | 5.46 | ||
| Cash Conversion | 91.28% | ||
| Profit Quality | 189.06% | ||
| Current Ratio | 4.13 | ||
| Quick Ratio | 4.13 | ||
| Altman-Z | 4.36 |
F-Score9
WACC8.86%
ROIC/WACC0.81
Cap/Depr(3y)138.38%
Cap/Depr(5y)119.74%
Cap/Sales(3y)20.19%
Cap/Sales(5y)18.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.15%
EPS 3Y33.01%
EPS 5Y12.72%
EPS Q2Q%29.49%
EPS Next Y27.51%
EPS Next 2Y21.33%
EPS Next 3Y19.36%
EPS Next 5YN/A
Revenue 1Y (TTM)12.2%
Revenue growth 3Y16.61%
Revenue growth 5Y17.66%
Sales Q2Q%7.23%
Revenue Next Year9.87%
Revenue Next 2Y8.7%
Revenue Next 3Y8.68%
Revenue Next 5YN/A
EBIT growth 1Y49.93%
EBIT growth 3Y71.01%
EBIT growth 5Y13.2%
EBIT Next Year235.36%
EBIT Next 3Y62.24%
EBIT Next 5YN/A
FCF growth 1Y105.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y87.54%
OCF growth 3Y34.08%
OCF growth 5Y26.48%
HEALTHEQUITY INC / HQY FAQ
What is the ChartMill fundamental rating of HEALTHEQUITY INC (HQY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to HQY.
What is the valuation status of HEALTHEQUITY INC (HQY) stock?
ChartMill assigns a valuation rating of 5 / 10 to HEALTHEQUITY INC (HQY). This can be considered as Fairly Valued.
How profitable is HEALTHEQUITY INC (HQY) stock?
HEALTHEQUITY INC (HQY) has a profitability rating of 7 / 10.
What are the PE and PB ratios of HEALTHEQUITY INC (HQY) stock?
The Price/Earnings (PE) ratio for HEALTHEQUITY INC (HQY) is 23.18 and the Price/Book (PB) ratio is 3.48.
How financially healthy is HEALTHEQUITY INC?
The financial health rating of HEALTHEQUITY INC (HQY) is 7 / 10.