Stock HQY HEALTHEQUITY, INC.
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Financials HealthEquity, Inc.

Equities

HQY

US42226A1079

Software

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
80.26 USD +1.54% Intraday chart for HealthEquity, Inc. -0.78% +21.06%
Apr. 04 JMP Securities Initiates Coverage on HealthEquity With Market Outperform Rating, $101 Price Target MT
Apr. 02 JPMorgan Adjusts Price Target on HealthEquity to $108 From $86, Maintains Overweight Rating MT

Valuation

Fiscal Period: January 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 4,682 6,433 4,468 5,150 6,485 6,915 - -
Enterprise Value (EV) 1 5,711 7,090 5,173 5,821 6,956 7,181 6,859 6,383
P/E ratio 114 x 696 x -101 x -196 x 118 x 76.1 x 38.5 x 26.5 x
Yield - - - - - - - -
Capitalization / Revenue 8.8 x 8.77 x 5.91 x 5.98 x 6.49 x 5.99 x 5.26 x 4.73 x
EV / Revenue 10.7 x 9.67 x 6.84 x 6.76 x 6.96 x 6.22 x 5.22 x 4.37 x
EV / EBITDA 29.1 x 29.4 x 21.9 x 21.4 x 18.8 x 16 x 12.8 x 9.97 x
EV / FCF 79.2 x 60.6 x 39.2 x 55.2 x 28.8 x 27.5 x 18.4 x 14.3 x
FCF Yield 1.26% 1.65% 2.55% 1.81% 3.47% 3.64% 5.42% 6.98%
Price to Book 4.56 x 4.68 x 2.42 x 2.72 x 3.2 x 3.25 x 3.01 x -
Nbr of stocks (in thousands) 70,879 76,991 83,601 84,640 85,801 86,159 - -
Reference price 2 66.06 83.55 53.44 60.85 75.58 80.26 80.26 80.26
Announcement Date 3/16/20 3/15/21 3/22/22 3/21/23 3/19/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: January 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 532 733.6 756.6 861.7 999.6 1,155 1,314 1,462
EBITDA 1 196.5 240.8 236 272.3 369.2 449.4 536 640.4
EBIT 1 77.01 35.75 -24.24 9.057 117.7 169.9 252.1 340
Operating Margin 14.48% 4.87% -3.2% 1.05% 11.77% 14.71% 19.2% 23.25%
Earnings before Tax (EBT) 1 43.16 4.14 -66.74 -38.1 75.04 121.8 222.5 312.8
Net income 1 39.66 8.834 -44.29 -26.14 55.71 86.65 159.4 210.6
Net margin 7.46% 1.2% -5.85% -3.03% 5.57% 7.5% 12.14% 14.4%
EPS 2 0.5800 0.1200 -0.5300 -0.3100 0.6400 1.054 2.084 3.024
Free Cash Flow 1 72.07 117 132.1 105.5 241.1 261.5 372 445.5
FCF margin 13.55% 15.95% 17.46% 12.24% 24.12% 22.64% 28.32% 30.47%
FCF Conversion (EBITDA) 36.69% 48.6% 55.97% 38.73% 65.32% 58.19% 69.4% 69.57%
FCF Conversion (Net income) 181.7% 1,324.72% - - 432.82% 301.79% 233.38% 211.52%
Dividend per Share 2 - - - - - - - -
Announcement Date 3/16/20 3/15/21 3/22/22 3/21/23 3/19/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: January 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1
Net sales 1 180 203.3 205.7 206.1 216.1 233.8 244.4 243.5 249.2 262.4 277.6 281.6 287.7 308.3 331
EBITDA 1 61.09 50.44 58.34 67.04 73.36 73.61 86.59 88.11 95.65 98.83 103.3 106.9 116.7 123.9 135.4
EBIT 1 -0.366 -27.25 -7.289 -2.412 5.542 13.22 23.18 24.74 30.89 38.89 33.98 36.17 45.17 53.09 44.25
Operating Margin -0.2% -13.4% -3.54% -1.17% 2.56% 5.65% 9.48% 10.16% 12.4% 14.82% 12.24% 12.84% 15.7% 17.22% 13.37%
Earnings before Tax (EBT) 1 -9.125 -43.76 -18.05 -13.87 -6.18 0.008 10.01 14.22 21.09 29.72 22.37 22.3 32.34 42.64 45.72
Net income 1 -5.038 -32.82 -13.64 -10.65 -1.641 -0.209 4.094 10.58 14.67 26.36 16.1 16.09 23.17 30.51 34
Net margin -2.8% -16.14% -6.63% -5.17% -0.76% -0.09% 1.67% 4.34% 5.89% 10.05% 5.8% 5.71% 8.05% 9.9% 10.27%
EPS 2 -0.0600 -0.3900 -0.1600 -0.1300 -0.0200 - 0.0500 0.1200 0.1700 0.3000 0.2022 0.2102 0.2732 0.3552 0.4693
Dividend per Share 2 - - - - - - - - - - - - - - -
Announcement Date 12/6/21 3/22/22 6/6/22 9/6/22 12/6/22 3/21/23 6/5/23 9/5/23 12/5/23 3/19/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: January 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt 1 1,029 658 705 671 471 266 - -
Net Cash position 1 - - - - - - 56.2 532
Leverage (Debt/EBITDA) 5.238 x 2.732 x 2.989 x 2.464 x 1.276 x 0.5925 x - -
Free Cash Flow 1 72.1 117 132 105 241 262 372 446
ROE (net income / shareholders' equity) 15.3% 10.5% 6.81% 6.11% 9.95% 7.92% 9.8% 15.1%
ROA (Net income/ Total Assets) 7.48% 0.33% -1.52% -0.84% 6.25% 5.24% 6.83% 11.3%
Assets 1 530.3 2,677 2,909 3,098 890.7 1,654 2,333 1,866
Book Value Per Share 2 14.50 17.90 22.10 22.40 23.60 24.70 26.70 -
Cash Flow per Share 2 1.530 2.400 1.700 1.780 2.790 3.320 3.610 -
Capex 1 32.9 13.1 8.91 3.37 1.69 3.14 2.8 4
Capex / Sales 6.19% 1.78% 1.18% 0.39% 0.17% 0.27% 0.21% 0.27%
Announcement Date 3/16/20 3/15/21 3/22/22 3/21/23 3/19/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for HealthEquity, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
14
Last Close Price
80.26 USD
Average target price
98.01 USD
Spread / Average Target
+22.12%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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