Services-Business Services, NEC · SIC 7389

HEALTHEQUITY, INC.

HQY

Watch

Latest revenue

$322.2M

as of 2025-10-31

Latest net income

$51.7M

as of 2025-10-31

Net margin

16.0%

as of 2025-10-31

Price · 5Y

+1.2% / yr 12.6 pts / yr vs S&P 500 6.0% total
Compare:

Live market

delayed ≤15 min
$88.11
1.94%
Market cap
$7.44B
Enterprise value
$7.44B
P/E (trailing)
34.6×
Forward P/E
P/B
Dividend yield
0.0%
52-wk high
$116.65
52-wk low
$72.76
Beta
Shares out
84.5M

5-year trend

About HQY

Business description and risk factors will appear here once HQY's latest filing is fully ingested.

Profitability

Gross margin

69.5%

7.3%

Operating margin

24.6%

81.4%

Net margin

16.4%

103.3%

Return on equity

10.2%

123.4%

Return on assets

6.4%

127.0%

Leverage

Debt / equity

0.60×

4.2%

Long-term debt / equity

0.45×

9.0%

Debt / assets

37.7%

2.6%

Earnings tracker

QuarterRevenueYoYNet incomeYoYNet margin

Q1 2026

2026-01-31

$334.6M+7.3%$49.7M+88.7%14.9%

Q4 2025

2025-10-31

$322.2M+7.2%$51.7M+806.4%16.0%

Q3 2025

2025-07-31

$325.8M+8.6%$59.9M+67.1%18.4%

Q2 2025

2025-04-30

$330.8M+15.0%$53.9M+87.1%16.3%

Q1 2025

2025-01-31

$311.8M$26.4M8.5%

Q4 2024

2024-10-31

$300.4M+20.5%$5.7M-61.1%1.9%

Q3 2024

2024-07-31

$299.9M+23.1%$35.8M+238.6%11.9%

Q2 2024

2024-04-30

$287.6M$28.8M10.0%

Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.

Industry trend

Services-Business Services, NEC · SIC 7389

No data yet for industry average

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Insider activity

Insider buying

$0

Insider selling

$37.1M

Net activity

−$37.1M

Distinct insiders

6

Open-market trades over the last 365 days.

Recent transactions

DateInsiderTypeSharesPriceValue
2025-12-19

Delano Ladd

EVP, General Counsel

Sale1,500$94.72$142.1K
2025-12-18

Elimelech Rosner

EVP, CHIEF TECHNOLOGY OFFICER

Sale10,959$95.45$1.0M
2025-12-12

Gayle Furgurson Wellborn

Director

Sale4,339$98.03$425.3K
2025-11-20

Delano Ladd

EVP, General Counsel

Sale1,500$104.56$156.8K
2025-10-20

Delano Ladd

EVP, General Counsel

Sale1,500$92.07$138.1K
2025-10-07

Michael Henry Fiore

EVP, CHIEF COMMERCIAL OFFICER

Sale1,781$88.21$157.1K
2025-09-19

Delano Ladd

EVP, General Counsel

Sale5,000$93.91$469.6K
2025-09-19

Delano Ladd

EVP, General Counsel

Sale971$95.06$92.3K
2025-09-19

Delano Ladd

EVP, General Counsel

Sale29$95.70$2.8K
2025-09-05

Evelyn S Dilsaver

Director

Sale3,461$93.30$322.9K
2025-07-07

Michael Henry Fiore

EVP, CHIEF COMMERCIAL OFFICER

Sale1,094$101.50$111.0K

Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.

Who owns HQY

Institutional value

$4.14B

Total shares held

50.7M

Distinct holders

317

+10 vs prior

As of

2026-03-31

Prior: 2025-12-31

Filers with $100M+ AUM disclose holdings 45 days after quarter end.

Top institutional holders

#ManagerSharesValueQoQ changeAction
1BlackRock, Inc.10.5M$880.2M-683.4K (-6.1%)Trimmed
2WASATCH ADVISORS LP7.2M$601.9M+613.3K (+9.3%)Added
3VANGUARD PORTFOLIO MANAGEMENT LLC4.2M$348.0MNew
4VANGUARD CAPITAL MANAGEMENT LLC3.8M$319.6MNew
5WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC1.7M$138.7MNew
6DIMENSIONAL FUND ADVISORS LP1.6M$136.0M+45.3K (+2.9%)Added
7Clearbridge Investments, LLC1.3M$109.5M-49.0K (-3.6%)Trimmed
8MACKENZIE FINANCIAL CORP1.3M$107.1M+109.9K (+9.4%)Added
9GENEVA CAPITAL MANAGEMENT LLC1.2M$98.1M+55.5K (+5.0%)Added
10JPMORGAN CHASE & CO1.2M$96.4M+18.1K (+1.6%)Added
11DAVENPORT & Co LLC1.0M$84.9MNew
12UBS Group AG786.7K$65.7MNew
13WESTFIELD CAPITAL MANAGEMENT CO LP712.8K$59.6M-1.2M (-63.5%)Trimmed
14Swedbank AB706.3K$59.0MNew
15Stephens Investment Management Group LLC684.6K$57.2MNew
16Nuveen, LLC680.5K$56.9M+6.4K (+0.9%)Added
17SEI INVESTMENTS CO602.7K$50.4M-66.2K (-9.9%)Trimmed
18Bank of New York Mellon Corp599.3K$50.1M-22.6K (-3.6%)Trimmed
19VANGUARD FIDUCIARY TRUST CO594.4K$49.7MNew
20Invesco Ltd.452.7K$37.8M-419.1K (-48.1%)Trimmed

Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.

Top questions investors are asking

Coming once HQY's latest filing finishes processing.