HQY - NASDAQ
HealthEquity, Inc.
$86.03
+0.82%HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. The company offers cloud-based platforms for individuals to make health saving and spending decisions, pay healthcare bills, compare treatment options and prices, receive personalized benefit and clinical information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides mutual fund investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers flexible spending accounts; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves clients through a direct sales force; benefits brokers and advisors; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. The company was incorporated in 2002 and is headquartered in Draper, Utah.
At a Glance
Live SnapshotHealthEquity, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
HealthEquity, Inc. Income Statement
HQY • NASDAQ
| HealthEquity, Inc. Income Statement | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||
1.3B | 1.2B | 999.6M | 861.7M | 756.6M | 733.6M | 532M | 287.2M | 229.5M | 178.4M | 126.8M | 87.9M | 62M | 46.1M | |
GROSS PROFIT | ||||||||||||||
(400.3M) | (507.2M) | (469.7M) | (466.2M) | (415.6M) | (394.3M) | (206.1M) | (106.1M) | (94.6M) | (72M) | (54.2M) | (39.9M) | (29.2M) | (22M) | |
913.1M | 692.6M | 529.9M | 395.5M | 340.9M | 339.3M | 325.9M | 181.2M | 134.9M | 106.4M | 72.6M | 48M | 32.8M | 24.1M | |
OPERATING INCOME | ||||||||||||||
(590.7M) | (462.5M) | (401.7M) | (357.9M) | (300.3M) | (259.3M) | (216.8M) | (103.5M) | (80.5M) | (65.1M) | (46.5M) | (31.1M) | (21.3M) | (17M) | |
(328.2M) | (223M) | (182.9M) | (164.5M) | (143M) | (134.5M) | (104.5M) | (62.5M) | (48.3M) | (38.5M) | (27.4M) | (19M) | (12.5M) | (11.2M) | |
(262.5M) | (239.5M) | (218.8M) | (193.4M) | (157.4M) | (124.8M) | (77.6M) | (35.1M) | (27.4M) | (22.4M) | (16.8M) | (10.5M) | (7.1M) | (4.2M) | |
322.5M | 230.1M | 128.1M | 37.7M | 40.6M | 80M | 77M | 77.7M | 54.4M | 41.2M | 26.1M | 16.9M | 11.5M | 7.1M | |
PRE-TAX INCOME | ||||||||||||||
(57.1M) | (60.6M) | (55.5M) | (48.4M) | (36.6M) | (34.9M) | (24.8M) | (0.0) | (274K) | (0.0) | (0.0) | (0.0) | (44K) | (326K) | |
-45M | -46.7M | -43.3M | -46.7M | -35.1M | -33.8M | -18.9M | 1.7M | -274K | 0.0 | 0.0 | 0.0 | -44K | -326K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (34.7M) | -1.9M | -2.2M | -1.1M | -589K | -374K | -129K | -147K | |
-45M | -114M | -53.1M | -75.7M | -107.3M | -75.9M | -33.9M | -1.9M | -2.2M | -1.1M | -589K | -1.1M | -6.2M | -590K | |
277.4M | 116M | 75M | -38.1M | -66.7M | 4.1M | 43.2M | 75.8M | 52.2M | 40.1M | 25.6M | 15.8M | 5.4M | 6.5M | |
NET INCOME | ||||||||||||||
(62.2M) | (19.3M) | (19.3M) | -12M | -22.5M | -4.7M | (3.5M) | (1.9M) | (4.8M) | (13.7M) | (8.9M) | (5.6M) | (4.1M) | -4.7M | |
215.2M | 96.7M | 55.7M | -26.1M | -44.3M | 8.8M | 39.7M | 73.9M | 47.4M | 26.4M | 16.6M | 10.2M | 1.2M | 11.2M |
SEC Filings
HQY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q2 Q2 | May 28, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 28, 2026 | May 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | May 13, 2026 | January 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 08, 2026 | May 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 06, 2026 | April 06, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 30, 2026 | March 26, 2026 | 2026 | |
10-K 10-K 2026 FY FY | March 17, 2026 | January 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 17, 2026 | March 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 17, 2026 | February 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 12, 2026 | January 12, 2026 | 2026 |
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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