Healthequity, Inc.

  • Earnings Score
  • Moat Score
  • Safety Score
  • Market Cap $8.44B
  • PE 80
  • Debt $1.11B
  • Cash $326.89M
  • EV $9.22B
  • FCF $305.17M

Earnings

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Sales & Net Margins

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Earnings$105.67M
EBIT$170.34M
ROE5%
ROA5%
FCF$305.17M
Equity$2.16B
Growth Stability-2K%
PE79.85
PEG4.65
PB3.91
P/FCF27.65
P/S7.68
Price/Cash0.04
Debt/Equity0.52
Debt/FCF3.64
Net Margins11%
Gross Margins65%
Op. Margins15%
Earnings CAGR-1%
Sales Growth YoY23%
Sales Growth QoQ4%
Sales CAGR30%
FCF CAGR26%
Equity CAGR38%
Earnings Stability0
Earnings Growth YoY239%
Earnings Growth QoQ24%
Earnings CAGR 5Y17%
Sales CAGR 5Y15%
FCF CAGR 5Y22%
Equity CAGR 5Y16%
Earnings CAGR 3Y16%
Sales CAGR 3Y16%
FCF CAGR 3Y42%
Equity CAGR 3Y5%
Market Cap$8.44B
Revenue$1.10B
Assets$3.51B
Total Debt$1.11B
Cash$326.89M
Shares Outstanding86.81M
EV9.22B
Earnings Score6%
Moat Score69%
Safety Score58%
Final Score44%
Working Capital374.72M
Current Ratio4.1
Shares Growth 3y2%
Equity Growth QoQ3%
Equity Growth YoY11%

Assets & ROA

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Stockholders Equity & ROE

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HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. Its technology allows customers to see their tax-advantaged healthcare savings, compare treatment options and pricing, pay healthcare bills, receive benefit information, and earn wellness incentives. The firm primarily partners with health plans and employers and serves as the custodian of its customers' health savings accounts (HSAs). HealthEquity also engages in reimbursement arrangements and offers healthcare incentives to its members. In addition, the company provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

SEC Filings

Direct access to Healthequity, Inc. (HQY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Jul 31
    • 10-Q Apr 30
    • 10-K Jan 31
  • 2023
    • 10-Q Oct 31
    • 10-Q Jul 31
    • 10-Q Apr 30
    • 10-K Jan 31
  • 2022
    • 10-Q Oct 31
    • 10-Q Jul 31
    • 10-Q Apr 30
    • 10-K Jan 31

Sector Comparison

How does Healthequity, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Healthequity, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -1%
Stability 0%
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Healthequity, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Healthequity, Inc..

= $18B
012345678910TV
fcf$305M$384M$483M$607M$763M$960M$1.2B$1.5B$1.9B$2.4B$3B$30B
DCF$349M$399M$456M$521M$596M$681M$779M$891M$1B$1.2B$12B
Value$18B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years01/201501/201601/201701/201801/201901/202001/202101/202201/202301/2024TTM
Net Margins12%13%15%21%26%7%1%-6%-3%6%11%
ROA-12%15%15%15%3%1%-1%0%4%5%
ROE-8%10%14%15%4%1%-2%-1%3%5%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years01/201501/201601/201701/201801/201901/202001/202101/202201/202301/2024TTM
Debt over FCF----013.116.327.266.513.683.64
Debt over Equity----01.240.770.520.510.440.52
Growth Stability---100%100%81%16%-109%-2K%--2K%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years01/201501/201601/201701/201801/201901/202001/202101/202201/202301/2024CAGR 5Y
Revenue YoY growth-44%41%29%25%85%38%3%14%16%15%
Earnings YoY growth-63%59%80%56%-46%-78%-601%-41%-313%17%
Equity YoY growth-41%29%32%38%116%34%34%2%7%16%
FCF YoY growth-81%74%82%44%-11%72%-22%12%64%22%