HealthEquity (HQY) Financials

$96.51

$0.47 (0.49%)

As on 15-Sep-2026 16:00EDT

Market cap

$7,962 Mln

Revenue (TTM)

$1,362 Mln

P/E Ratio

34.8

P/B Ratio

3.9

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Operating Revenue	1,362.12	1,313.43	1,199.77	999.59	861.75	756.56
Cost of Revenue	337.64	400.31	507.19	469.71	466.24	415.64
Gross Profit	1,024.48	913.12	692.58	529.87	395.51	340.92
Operating Expenses	675.61	590.66	462.51	401.74	357.85	300.35
Operating Profit (EBIT)	348.87	322.46	230.07	128.13	37.65	40.57
Other Income	--	--	--	--	--	--
Profit before Tax	308.71	277.43	116.03	75.04	-38.10	-66.74
Provision for Tax	72.22	62.23	19.33	19.33	-11.95	-22.45
Profit after Tax (Net Income)	236.49	215.20	96.70	55.71	-26.14	-44.29
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	-26.14	-44.29

Liabilities ($ Mln)	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Shareholder's Funds	1,990.11	2,107.20	2,114.91	2,035.02	1,895.64	1,852.58
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	1,127.48	1,168.00	1,177.32	1,011.68	1,062.20	1,101.34
Current Liabilities	153.78	156.85	156.32	117.09	131.06	153.19
Total Liabilities	3,425.14	3,432.04	3,448.55	3,163.79	3,088.90	3,107.10

Assets ($ Mln)	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Non-Current Assets	2,811.16	2,919.76	2,970.80	2,606.35	2,706.01	2,755.77
Current Assets	460.20	512.28	477.75	557.44	382.89	351.34
Total Assets	3,425.14	3,432.04	3,448.55	3,163.79	3,088.90	3,107.10
Total Debt*	971.02	1,001.48	1,108.52	933.14	994.49	1,008.23
Net Current Assets	306.43	355.43	321.43	440.35	251.83	198.15

Cashflow ($ Mln)	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Cash From Operating Activities	--	457.09	339.86	242.83	150.65	141.00
Cash Flow from Investing Activities	--	-47.14	-505.45	-46.07	-119.13	-639.25
Cash from Financing Activities	--	-386.98	57.57	-47.04	-2.67	394.86
Net Cash Inflow / Outflow	--	--	--	--	--	--

Financials Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Adjusted EPS ($)	--	--	--	--	--	--
Cash EPS ($)	--	--	--	--	--	--
Adjusted Book Value ($)	--	--	--	--	--	--
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	--	--	--	--	--
Free Cash Flow per Share ($)	--	--	--	--	--	--

Profitability Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
ROCE (%)	--	6.80	3.12	1.90	-0.91	-1.67
ROE (%)	11.54	10.19	4.66	2.83	-1.39	-2.74
ROA (%)	6.80	6.26	2.92	1.78	-0.84	-1.52
EBIT Margin (%)	24.77	25.47	14.59	12.94	1.20	-4.52
Net Margin (%)	17.36	16.38	8.06	5.57	-3.03	-5.85
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Revenue Growth (%)	7.34	0.09	0.20	0.16	0.14	0.03
EBIT Growth (%)	35.84	91.08	35.38	1,152.30	130.18	-187.69
Net Profit Growth (%)	89.40	122.54	73.58	313.10	40.97	-601.35
EPS Growth (%)	--	--	--	--	--	--
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Price / Earnings	34.75	--	--	--	--	--
Price / Book Value	3.93	--	--	--	--	--
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	16.45	1.40	2.41	1.87	4.32	7.60
Close Price ($)	100.61	85.67	110.42	75.58	60.85	53.44
High Price ($)	105.96	116.65	111.59	78.32	79.20	90.65
Low Price ($)	72.76	74.07	65.01	48.86	50.35	36.81
Market Cap ($ Cr)	7,962.17	--	--	--	--	--

Solvency Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Debt to Equity	0.47	0.48	0.52	0.46	0.52	0.54
Short term debt to equity ratio	0.01	0.00	0.00	0.00	0.01	0.01
Current Ratio	2.99	3.27	3.06	4.76	2.92	2.29
Quick Ratio	2.99	--	--	--	2.92	--
Interest Coverage	6.88	5.86	2.89	2.33	0.21	-0.94

Operating Efficiency Ratios	TTM	Jan-26	Jan-25	Jan-24	Jan-23	Jan-22	Jan-21	Jan-20	Jan-19	Jan-18	Jan-17
Debtors to sales (%)	8.97	9.42	9.84	10.49	11.24	11.56
Asset Turnover	0.39	0.38	0.36	0.32	0.28	0.26
Receivable days	--	33.61	33.93	36.86	39.05	38.67
Inventory Days	--	--	--	0.00	0.00	--
Payable days	--	12.10	9.51	10.09	16.23	12.81
Cash Conversion Cycle	--	--	--	26.77	22.82	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.