What sector does HealthEquity belong to?

HealthEquity operates in the Health Care sector, specifically the Managed Health Care industry, and is listed on the US markets.

What is the current share price of HQY?

As of the latest available quote, HQY traded at $96.26. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of HQY?

HealthEquity has a price-to-earnings (P/E) ratio of about 34.75. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of HQY?

The market capitalisation of HealthEquity is approximately $8.42B.

Is HealthEquity profitable?

For its latest reported financial year, HealthEquity recorded a net profit margin of about 16.38%.

Does HQY pay a dividend?

HealthEquity does not currently show a dividend yield in our data.

What is the return on equity (ROE) of HQY?

HealthEquity has a return on equity (ROE) of about 10.81%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of HQY?

Over the past 52 weeks, HQY has traded between a low of $72.76 and a high of $107.62.

HealthEquity

HQY US Health Care Managed Health Care

S&P 400

$96.26

+1.81%

Delayed · cached 15 min

Fair value analysis

HQY

HealthEquity

$96.26

Close used for this calculation

$71.30Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

59/100

Profitability23/25

Returns7/25

Balance Sheet21/25

Efficiency8/25

Growth12/25

Good

Quality radar

Consensus fair value

$71.30

Above FV

▼ -25.9% against the close used

Model range $28.51 – $103.27

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$28.51Fair value$71.30Bull$103.27

FairClose

52-week traded range

52W low $73.2152W high $106.79

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

HealthEquity closed at $96.26, 35.0% above the consensus fair value of $71.30 drawn from 8 valuation models.

Financial DNA score 59/100 — Good. P/E of 39.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$103.27

+7.3%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=9%, r=10%, tg=3%, n=10yr

Graham Number

$36.23

-62.4%

√(22.5 × EPS × BVPS)

EPS=2.46, BVPS=23.71 · outside Graham range (P/E 39.1, P/B 4.1) — asset-light, treat as a rough floor

P/E Fair Value

$49.20

-48.9%

EPS × 20x (sector P/E)

EPS=2.46, Sector P/E=20x

Peter Lynch (PEG)

$73.80

-23.3%

EPS × Growth% (PEG = 1 is fair)

EPS=2.46, g=30%

EV/EBITDA

$90.87

-5.6%

(EBITDA × 18x − Net Debt) ÷ Shares

EBITDA=477.11M

Book Value (P/B)

$28.51

-70.4%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=23.71, ROE=10.8%, g=6%, r=10%

Reverse DCF

$96.26

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: 16.2% | Historical: 40%

Margin of Safety

$47.18

-51.0%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=62.9, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

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