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HQY HEALTHEQUITY, INC.

Trailing twelve months to 2026-04-30 · as filed 2026-05-28, not restated
Technology

Scale

Market cap
$7.5bn
Revenue TTM
$1.3bn
Net income TTM
$231m
Free cash flow
$488m
Composite score
52.0
Sector rank
#850

Valuation

P / E
32.7
EV / EBITDA
16.6
EV / sales
6.2
FCF yield
6.46%
Earnings yield vs 10-yr
-1.67pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
17.2%
EBITDA margin
37.1%
ROE
11.3%
ROIC
12.6%
Revenue growth
7.6%

Insider activity, last 90 days

Net open-market
$-2.45m
Buyers
0
Sellers
4

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

We reach Clients primarily through relationships with benefits brokers and advisors, integrated partnerships with a network of health plans, benefits administrators, and retirement plan recordkeepers, which we call Network Partners, and a sales force that calls on Clients directly. We earn revenue primarily from three sources: service, custodial, and interchange. We earn custodial revenue primarily from HSA cash held by our insurance company partners, HSA cash held by our federally insured bank and credit union partners, which we collectively call our Depository Partners, and Client-held funds deposited with our Depository Partners. Structural change in U.S. …HEALTHEQUITY, INC., 10-Q, period ended 2026-04-30, filed 2026-05-28

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