What is HealthEquity's operating income?

HealthEquity's total operating income in 2026 was $322.46 million, based on the following breakdown: Total Gross Profit: $913.12 million Total Operating Expenses: $590.66 million

HealthEquity (HQY) Financials

$86.97 -1.37 (-1.55%)

Closing price 04:00 PM Eastern

Extended Trading

$86.98 +0.00 (+0.01%)

As of 06:08 PM Eastern

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Annual Income Statements for HealthEquity

This table shows HealthEquity's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	1/31/2016	1/31/2017	1/31/2018	1/31/2019	1/31/2020	1/31/2021	1/31/2022	1/31/2023	1/31/2024	1/31/2025	1/31/2026
Net Income / (Loss) Attributable to Common Shareholders	17	26	47	74	40	8.83	-44	-26	56	97	215
Consolidated Net Income / (Loss)	17	26	47	74	40	8.83	-44	-26	56	97	215
Net Income / (Loss) Continuing Operations	17	26	47	74	40	8.83	-44	-26	56	97	215
Total Pre-Tax Income	26	40	52	76	43	4.14	-67	-38	75	116	277
Total Operating Income	26	41	54	78	77	34	-24	9.06	118	162	322
Total Gross Profit	73	106	135	181	326	415	425	492	623	777	913
Total Revenue	127	178	230	287	532	734	757	862	1,000	1,200	1,313
Operating Revenue	127	178	230	287	532	734	757	862	1,000	1,200	1,313
Total Cost of Revenue	54	72	95	106	206	318	332	370	377	423	400
Operating Cost of Revenue	54	72	95	106	206	318	332	370	377	423	400
Total Operating Expenses	46	65	80	104	249	381	449	483	505	615	591
Selling, General & Admin Expense	14	20	25	33	61	84	85	97	104	132	120
Marketing Expense	13	18	23	29	44	50	59	69	79	91	95
Research & Development Expense	17	22	27	35	78	125	157	193	219	240	263
Amortization Expense	2.21	4.30	4.86	5.93	35	76	83	95	93	112	108
Restructuring Charge	-	-	0.00	0.00	32	46	65	29	10	41	5.02
Total Other Income / (Expense), net	-0.59	-1.09	-2.23	-1.85	-34	-30	-43	-47	-43	-46	-45
Interest Expense	-	-	0.27	0.27	25	35	37	48	55	61	57
Other Income / (Expense), net	-0.59	-1.09	-1.96	-1.58	-9.08	5.01	-5.93	1.27	13	14	12
Income Tax Expense	8.94	14	4.83	1.92	3.49	-4.69	-22	-12	19	19	62
Basic Earnings per Share	$0.29	$0.45	$0.79	$1.20	$0.59	$0.12	($0.53)	($0.31)	$0.65	$1.11	$2.50
Weighted Average Basic Shares Outstanding	56.72M	58.62M	60.30M	61.84M	67.03M	74.24M	83.13M	84.44M	85.56M	86.87M	86.13M
Diluted Earnings per Share	$0.28	$0.44	$0.77	$1.17	$0.58	$0.12	($0.53)	($0.31)	$0.64	$1.09	$2.46
Weighted Average Diluted Shares Outstanding	58.86M	59.89M	61.85M	63.37M	68.45M	75.68M	83.13M	84.44M	86.96M	88.83M	87.47M
Weighted Average Basic & Diluted Shares Outstanding	57.30M	58.60M	60M	61.60M	71.08M	83.02M	83.82M	84.78M	86.16M	86.50M	84.48M

This table shows HealthEquity's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	10/31/2024	1/31/2025	4/30/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026
Net Income / (Loss) Attributable to Common Shareholders	15	26	29	36	5.70	26	54	60	52	50	69
Consolidated Net Income / (Loss)	15	26	29	36	5.70	26	54	60	52	50	69
Net Income / (Loss) Continuing Operations	15	26	29	36	5.70	26	54	60	52	50	69
Total Pre-Tax Income	21	30	33	47	6.22	30	71	78	68	61	92
Total Operating Income	31	39	42	59	20	42	83	90	79	71	103
Total Gross Profit	159	163	187	204	197	189	224	233	228	228	256
Total Revenue	249	262	288	300	300	312	331	326	322	335	355
Operating Revenue	249	262	288	300	300	312	331	326	322	335	355
Total Cost of Revenue	90	99	100	96	103	123	107	93	94	106	98
Operating Cost of Revenue	90	99	100	96	103	123	107	93	94	106	98
Total Operating Expenses	128	124	146	145	177	147	141	143	149	157	153
Selling, General & Admin Expense	27	23	38	32	32	30	26	30	31	34	31
Marketing Expense	20	21	23	22	23	23	26	20	24	25	27
Research & Development Expense	56	55	56	59	60	65	61	65	66	70	68
Amortization Expense	23	23	26	31	28	27	27	27	27	27	27
Restructuring Charge	2.66	2.28	2.14	1.78	34	2.18	1.28	1.27	1.16	1.32	1.11
Total Other Income / (Expense), net	-9.80	-9.17	-8.39	-12	-13	-12	-12	-12	-11	-10	-11
Interest Expense	14	14	12	15	18	15	15	15	14	13	13
Other Income / (Expense), net	3.74	4.47	3.40	3.11	4.75	3.07	2.73	3.39	2.89	3.10	2.05
Income Tax Expense	6.41	3.35	4.43	11	0.52	3.60	17	18	16	11	23
Basic Earnings per Share	$0.17	$0.31	$0.33	$0.41	$0.07	$0.30	$0.62	$0.69	$0.60	$0.59	$0.82
Weighted Average Basic Shares Outstanding	85.70M	85.56M	86.47M	87.13M	87.19M	86.87M	86.66M	86.55M	86.00M	86.13M	84.41M
Diluted Earnings per Share	$0.17	$0.30	$0.33	$0.40	$0.06	$0.30	$0.61	$0.68	$0.59	$0.58	$0.82
Weighted Average Diluted Shares Outstanding	87.12M	86.96M	88.32M	88.65M	88.63M	88.83M	88.42M	87.75M	86.97M	87.47M	85.01M
Weighted Average Basic & Diluted Shares Outstanding	85.80M	86.16M	87.01M	87.32M	86.66M	86.50M	86.48M	86.16M	85.44M	84.48M	83.60M

This table details how cash moves in and out of HealthEquity's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	1/31/2016	1/31/2017	1/31/2018	1/31/2019	1/31/2020	1/31/2021	1/31/2022	1/31/2023	1/31/2024	1/31/2025	1/31/2026
Net Change in Cash & Equivalents	-27	56	60	162	-170	137	-103	29	150	-108	23
Net Cash From Operating Activities	27	46	82	113	105	182	141	151	243	340	457
Net Cash From Continuing Operating Activities	27	46	82	113	105	182	141	151	243	340	457
Net Income / (Loss) Continuing Operations	17	26	47	74	40	8.83	-44	-26	56	97	215
Consolidated Net Income / (Loss)	17	26	47	74	40	8.83	-44	-26	56	97	215
Depreciation Expense	8.60	13	16	18	55	116	137	161	153	162	155
Amortization Expense	0.02	0.10	-	0.06	2.71	5.10	4.45	3.26	2.85	2.07	1.06
Non-Cash Adjustments To Reconcile Net Income	5.91	8.43	15	22	19	56	83	71	88	105	80
Changes in Operating Assets and Liabilities, net	-4.60	-2.50	3.48	-0.56	-12	-3.99	-39	-59	-57	-26	6.33
Net Cash From Investing Activities	-91	-13	-37	26	-1,740	-97	-639	-119	-46	-505	-47
Net Cash From Continuing Investing Activities	-91	-13	-37	26	-1,740	-97	-639	-119	-46	-505	-47
Purchase of Property, Plant & Equipment	-9.27	-13	-16	-14	-33	-65	-72	-49	-43	-53	-48
Acquisitions	-40	0.00	-20	-1.00	-1,654	-32	-570	-71	-3.26	-452	-0.29
Purchase of Investments	-41	-0.38	-0.48	-0.73	-54	-	-	-	0.00	0.00	1.64
Net Cash From Financing Activities	37	24	15	23	1,466	52	395	-2.67	-47	58	-387
Net Cash From Continuing Financing Activities	37	24	15	23	1,466	52	395	-2.67	-47	58	-387
Repayment of Debt	-	-	0.00	0.00	-38	-239	-1,015	-8.75	-54	-566	-100
Repurchase of Common Equity	-0.32	-	-	-	-	-	-	0.00	0.00	-121	-299
Issuance of Debt	23	-	0.00	0.00	1,250	0.00	950	0.00	0.00	737	0.00
Other Financing Activities, net	13	24	15	23	-204	4.71	3.75	6.08	7.34	7.81	12
Cash Interest Paid	0.05	0.21	0.20	0.20	22	28	16	44	50	59	52
Cash Income Taxes Paid	1.36	0.86	0.03	0.59	9.28	-6.02	-5.63	1.53	35	26	8.04

This table details how cash moves in and out of HealthEquity's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	10/31/2024	1/31/2025	4/30/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026
Net Change in Cash & Equivalents	44	70	-153	76	-4.73	-26	-8.05	17	4.80	9.67	-54
Net Cash From Operating Activities	57	77	65	108	91	76	65	136	139	118	98
Net Cash From Continuing Operating Activities	57	77	65	108	91	76	65	136	139	118	98
Net Income / (Loss) Continuing Operations	15	26	29	36	5.70	26	54	60	52	50	69
Consolidated Net Income / (Loss)	15	26	29	36	5.70	26	54	60	52	50	69
Depreciation Expense	38	38	39	44	41	39	39	38	39	39	38
Amortization Expense	0.69	0.70	0.70	0.73	0.38	0.26	0.27	0.27	0.27	0.26	0.08
Non-Cash Adjustments To Reconcile Net Income	23	19	34	23	24	23	16	21	22	21	21
Changes in Operating Assets and Liabilities, net	-19	-7.07	-37	4.77	19	-13	-44	17	26	8.38	-31
Net Cash From Investing Activities	-15	-11	-270	-209	-13	-14	-16	-11	-11	-8.44	-14
Net Cash From Continuing Investing Activities	-15	-11	-270	-209	-13	-14	-16	-11	-11	-8.44	-14
Purchase of Property, Plant & Equipment	-12	-11	-14	-13	-13	-14	-16	-11	-11	-10	-16
Purchase of Investments	-	-	-	-	-	-	0.00	-	-	-	2.39
Net Cash From Financing Activities	2.03	4.12	52	177	-82	-88	-57	-108	-122	-100	-137
Net Cash From Continuing Financing Activities	2.03	4.12	52	177	-82	-88	-57	-108	-122	-100	-137
Repayment of Debt	-	-	-	-	-541	-25	0.00	-	-25	-25	-15
Repurchase of Common Equity	-	-	0.00	-	-	-63	-59	-67	-92	-81	-123
Other Financing Activities, net	2.03	4.12	1.77	1.62	4.85	-0.43	2.42	8.63	-4.97	6.21	1.13
Cash Interest Paid	21	5.37	19	8.12	23	8.38	21	7.55	18	5.79	19
Cash Income Taxes Paid	9.66	11	0.28	13	10	2.25	-0.05	6.55	0.84	0.69	-0.45

This table presents HealthEquity's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	1/31/2016	1/31/2017	1/31/2018	1/31/2019	1/31/2020	1/31/2021	1/31/2022	1/31/2023	1/31/2024	1/31/2025	1/31/2026
Total Assets	220	279	369	510	2,565	2,710	3,107	3,089	3,164	3,449	3,380
Total Current Assets	143	201	265	395	297	460	351	383	557	478	512
Cash & Equivalents	84	140	199	361	192	329	225	254	404	296	319
Accounts Receivable	14	17	22	26	71	73	87	97	105	118	124
Prepaid Expenses	-	-	-	-	-	-	-	-	-	64	70
Plant, Property, & Equipment, net	3.51	5.17	7.84	8.22	33	29	23	13	6.01	3.24	3.18
Total Noncurrent Assets	73	73	96	107	2,234	2,221	2,732	2,693	2,600	2,968	2,865
Goodwill	4.65	4.65	4.65	4.65	1,333	1,327	1,646	1,648	1,648	1,648	1,648
Intangible Assets	67	65	84	80	783	767	973	936	836	1,205	1,097
Other Noncurrent Operating Assets	1.75	1.86	2.18	21	118	127	113	109	116	115	120
Total Liabilities & Shareholders' Equity	220	279	369	510	2,565	2,710	3,107	3,089	3,164	3,449	3,380
Total Liabilities	16	17	23	33	1,535	1,332	1,255	1,193	1,129	1,334	1,273
Total Current Liabilities	12	16	20	29	152	205	153	131	117	156	157
Accounts Payable	2.43	3.22	2.42	3.52	3.98	1.61	28	14	12	14	12
Accrued Expenses	1.90	3.76	5.52	8.55	46	76	58	44	46	63	74
Current Employee Benefit Liabilities	7.78	8.72	13	17	50	51	47	46	50	69	60
Other Current Liabilities	-	-	-	0.00	12	14	12	10	9.40	10	9.91
Total Noncurrent Liabilities	4.23	1.49	2.40	3.88	1,383	1,127	1,101	1,062	1,012	1,177	1,116
Long-Term Debt	-	-	-	0.00	1,182	924	922	908	875	1,056	957
Capital Lease Obligations	-	-	-	-	68	74	-	59	49	42	34
Noncurrent Deferred & Payable Income Tax Liabilities	4.00	0.04	0.00	0.92	130	120	100	83	69	56	94
Other Noncurrent Operating Liabilities	-	-	-	2.97	2.63	8.81	79	13	19	23	31
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	203	262	346	477	1,030	1,379	1,853	1,896	2,035	2,115	2,107
Total Preferred & Common Equity	203	262	346	477	1,030	1,379	1,853	1,896	2,035	2,115	2,107
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	203	262	346	477	1,030	1,379	1,853	1,896	2,035	2,115	2,107
Common Stock	200	232	261	305	819	1,158	1,677	1,746	1,829	1,906	1,917
Retained Earnings	3.61	30	85	172	212	220	176	150	206	209	196
Accumulated Other Comprehensive Income / (Loss)	-0.10	-0.17	-0.27	-	-	-	-	-	-	0.00	-5.71

This table presents HealthEquity's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026	Q1 2027
Period end date	10/31/2022	4/30/2023	7/31/2023	10/31/2023	4/30/2024	7/31/2024	10/31/2024	4/30/2025	7/31/2025	10/31/2025	4/30/2026
Total Assets	3,065	3,035	3,066	3,094	3,246	3,514	3,488	3,416	3,417	3,398	3,306
Total Current Assets	332	358	423	474	405	496	495	473	493	499	467
Cash & Equivalents	210	226	290	334	251	327	322	288	304	309	265
Accounts Receivable	88	98	93	96	106	108	107	116	111	111	122
Prepaid Expenses	-	-	-	-	-	-	-	69	77	78	79
Plant, Property, & Equipment, net	16	11	9.15	7.66	5.08	4.59	3.89	3.17	3.09	3.39	3.80
Total Noncurrent Assets	2,717	2,666	2,635	2,611	2,836	3,014	2,989	2,940	2,921	2,896	2,836
Goodwill	1,646	1,648	1,648	1,648	1,648	1,648	1,648	1,648	1,648	1,648	1,648
Intangible Assets	965	908	882	861	1,071	1,254	1,228	1,179	1,152	1,125	1,073
Other Noncurrent Operating Assets	107	110	105	103	117	112	113	113	120	123	115
Total Liabilities & Shareholders' Equity	3,065	3,035	3,066	3,094	3,246	3,514	3,488	3,416	3,417	3,398	3,306
Total Liabilities	1,182	1,116	1,117	1,106	1,149	1,357	1,364	1,292	1,270	1,264	1,259
Total Current Liabilities	110	90	103	96	92	121	155	116	117	121	136
Accounts Payable	16	13	13	13	18	11	10	13	9.60	20	14
Accrued Expenses	33	46	49	42	41	63	87	68	65	47	85
Current Employee Benefit Liabilities	35	20	31	31	23	37	48	24	32	44	27
Other Current Liabilities	11	11	10	9.77	9.76	9.90	9.95	9.97	9.95	9.93	9.92
Total Noncurrent Liabilities	1,071	1,027	1,014	1,009	1,056	1,237	1,209	1,176	1,154	1,143	1,123
Long-Term Debt	911	873	874	874	926	1,101	1,081	1,057	1,007	982	943
Capital Lease Obligations	-	-	-	-	48	46	44	40	38	36	32
Noncurrent Deferred & Payable Income Tax Liabilities	89	82	75	67	63	63	59	57	87	102	95
Other Noncurrent Operating Liabilities	71	72	65	68	19	25	25	22	22	24	53
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,883	1,919	1,950	1,988	2,098	2,157	2,125	2,124	2,146	2,134	2,047
Total Preferred & Common Equity	1,883	1,919	1,950	1,988	2,098	2,157	2,125	2,124	2,146	2,134	2,047
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,883	1,919	1,950	1,988	2,098	2,157	2,125	2,124	2,146	2,134	2,047
Common Stock	1,733	1,765	1,785	1,809	1,863	1,887	1,893	1,905	1,919	1,917	1,902
Retained Earnings	150	154	165	179	234	270	232	218	227	208	177
Accumulated Other Comprehensive Income / (Loss)	-	-	-	-	-	-	-	-	0.20	8.84	-32

This table displays calculated financial ratios and metrics derived from HealthEquity's official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	1/31/2016	1/31/2017	1/31/2018	1/31/2019	1/31/2020	1/31/2021	1/31/2022	1/31/2023	1/31/2024	1/31/2025	1/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	85,436,286.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	85,436,286.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	2.52
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Net Operating Profit after Tax (NOPAT)	17	27	49	76	71	73	-17	6.34	87	135	250
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	0.22%	2.95%	4.21%	8.07%
Earnings before Interest and Taxes (EBIT)	26	40	52	76	68	39	-30	10	130	177	335
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	34	53	68	94	126	160	111	175	286	341	490
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-30	25	25	66	-1,941	89	-464	-61	158	-227	388
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	80	82	106	116	2,127	2,111	2,558	2,626	2,555	2,917	2,780
Increase / (Decrease) in Invested Capital	47	1.90	24	9.60	2,012	-16	447	68	-71	363	-138
Book Value per Share	$3.53	$4.41	$5.71	$7.65	$14.54	$17.91	$22.16	$22.40	$23.72	$24.40	$24.66
Tangible Book Value per Share	$2.29	$3.24	$4.25	$6.30	($15.32)	($9.29)	($9.17)	($8.14)	($5.23)	($8.51)	($7.47)
Total Capital	203	262	346	477	2,319	2,440	2,783	2,880	2,959	3,213	3,099
Total Debt	0.00	0.00	0.00	0.00	1,289	1,061	931	984	924	1,099	992
Total Long-Term Debt	0.00	0.00	0.00	0.00	1,250	998	922	967	924	1,099	992
Net Debt	-124	-180	-240	-361	1,097	732	705	730	520	803	673
Capital Expenditures (CapEx)	9.27	13	16	14	33	65	72	49	43	53	48
Debt-free, Cash-free Net Working Capital (DFCFNWC)	7.17	4.76	4.64	4.15	-7.30	-11	-19	15	36	25	37
Debt-free Net Working Capital (DFNWC)	131	185	245	366	184	318	207	269	440	321	355
Net Working Capital (NWC)	131	185	245	366	145	255	198	252	440	321	355
Net Nonoperating Expense (NNE)	0.38	0.72	2.02	1.81	31	64	27	32	32	39	35
Net Nonoperating Obligations (NNO)	-124	-180	-240	-361	1,097	732	705	730	520	803	673
Total Depreciation and Amortization (D&A)	8.62	13	16	18	58	121	142	164	156	165	156
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.29	$0.45	$0.79	$1.20	$0.59	$0.12	($0.53)	($0.31)	$0.65	$1.11	$2.50
Adjusted Weighted Average Basic Shares Outstanding	56.72M	58.62M	60.30M	61.84M	67.03M	74.24M	83.13M	84.44M	85.56M	86.87M	86.13M
Adjusted Diluted Earnings per Share	$0.28	$0.44	$0.77	$1.17	$0.58	$0.12	($0.53)	($0.31)	$0.64	$1.09	$2.46
Adjusted Weighted Average Diluted Shares Outstanding	58.86M	59.89M	61.85M	63.37M	68.45M	75.68M	83.13M	84.44M	86.96M	88.83M	87.47M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	57.77M	59.63M	60.95M	62.47M	71.08M	83.02M	83.82M	84.78M	86.16M	86.50M	84.48M
Normalized Net Operating Profit after Tax (NOPAT)	17	27	49	76	100	56	28	26	95	169	254
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-

This table displays calculated financial ratios and metrics derived from HealthEquity's official financial filings.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026	Q1 2027
Period end date	10/31/2023	1/31/2024	4/30/2024	7/31/2024	10/31/2024	1/31/2025	4/30/2025	7/31/2025	10/31/2025	1/31/2026	4/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	85,436,286.00	84,478,406.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	85,436,286.00	84,478,406.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.58	0.82
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.33%	12.21%	17.66%	23.15%	20.55%	18.84%	15.04%	8.64%	7.23%	-	7.19%
EBITDA Growth	54.55%	47.44%	30.61%	59.92%	-10.44%	3.28%	47.41%	23.83%	84.25%	-	14.80%
EBIT Growth	478.65%	202.93%	80.07%	125.64%	-29.62%	4.29%	90.55%	49.90%	234.72%	-	22.36%
NOPAT Growth	454.08%	109.99%	280.70%	146.06%	-16.26%	7.51%	74.94%	51.76%	234.66%	-	22.50%
Net Income Growth	994.15%	12,714.35%	603.79%	238.55%	-61.13%	0.00%	87.12%	67.09%	806.40%	-	28.75%
EPS Growth	950.00%	0.00%	560.00%	233.33%	-64.71%	0.00%	84.85%	70.00%	883.33%	-	34.43%
Operating Cash Flow Growth	19.14%	38.89%	107.46%	40.23%	58.56%	-1.72%	-1.06%	25.65%	53.04%	-	50.65%
Free Cash Flow Firm Growth	124.78%	125.53%	-266.27%	-493.06%	-510.50%	-408.87%	77.54%	139.89%	137.97%	-	615.88%
Invested Capital Growth	-2.75%	-2.70%	9.92%	17.56%	15.81%	14.20%	3.98%	-3.04%	-2.89%	-	-6.00%
Revenue Q/Q Growth	2.33%	5.28%	9.61%	4.29%	0.17%	3.79%	6.10%	-1.51%	-1.13%	-	5.99%
EBITDA Q/Q Growth	9.89%	12.13%	3.30%	25.63%	-38.45%	29.31%	47.43%	5.53%	-8.42%	-	26.69%
EBIT Q/Q Growth	25.95%	25.20%	3.87%	37.77%	-60.72%	85.53%	89.77%	8.38%	-12.28%	-	41.57%
NOPAT Q/Q Growth	16.80%	60.50%	4.60%	25.49%	-60.25%	106.07%	70.20%	8.86%	-12.35%	-	33.23%
Net Income Q/Q Growth	38.67%	79.68%	9.29%	24.33%	-84.08%	362.30%	104.49%	11.02%	-13.64%	-	39.56%
EPS Q/Q Growth	41.67%	76.47%	10.00%	21.21%	-85.00%	400.00%	103.33%	11.48%	-13.24%	-	41.38%
Operating Cash Flow Q/Q Growth	-25.94%	34.96%	-15.11%	65.26%	-16.26%	-16.35%	-14.54%	109.87%	1.99%	-	-17.29%
Free Cash Flow Firm Q/Q Growth	-8.56%	13.41%	-307.31%	-82.83%	4.50%	14.67%	84.92%	424.69%	-9.09%	-	29.41%
Invested Capital Q/Q Growth	-0.18%	1.05%	10.40%	5.57%	-1.68%	-0.35%	0.52%	-1.56%	-1.52%	-	-0.83%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	63.87%	62.24%	65.07%	68.03%	65.58%	60.63%	67.80%	71.38%	70.79%	-	72.27%
EBITDA Margin	29.33%	31.24%	29.44%	35.47%	21.79%	27.15%	37.73%	40.43%	37.44%	-	40.41%
Operating Margin	12.40%	14.82%	14.48%	19.65%	6.53%	13.52%	25.11%	27.50%	24.43%	-	29.03%
EBIT Margin	13.90%	16.52%	15.66%	20.69%	8.11%	14.50%	25.94%	28.54%	25.32%	-	29.61%
Profit (Net Income) Margin	5.89%	10.05%	10.02%	11.94%	1.90%	8.46%	16.30%	18.37%	16.05%	-	19.57%
Tax Burden Percent	69.58%	88.72%	86.68%	76.84%	91.72%	88.00%	75.99%	76.69%	76.54%	-	75.12%
Interest Burden Percent	60.89%	68.54%	73.81%	75.14%	25.51%	66.26%	82.69%	83.92%	82.78%	-	88.01%
Effective Tax Rate	30.42%	11.28%	13.32%	23.16%	8.28%	12.00%	24.01%	23.31%	23.46%	-	24.88%
Return on Invested Capital (ROIC)	3.27%	5.07%	4.86%	6.02%	2.53%	5.22%	8.25%	9.13%	8.36%	-	10.25%
ROIC Less NNEP Spread (ROIC-NNEP)	2.18%	3.77%	3.80%	4.68%	0.70%	3.59%	7.04%	7.99%	7.23%	-	9.21%
Return on Net Nonoperating Assets (RNNOA)	0.71%	1.20%	1.29%	1.60%	0.23%	1.15%	2.55%	2.90%	2.57%	-	3.35%
Return on Equity (ROE)	3.97%	6.27%	6.15%	7.62%	2.75%	6.36%	10.80%	12.03%	10.93%	-	13.60%
Cash Return on Invested Capital (CROIC)	5.09%	6.11%	-5.32%	-11.15%	-9.78%	-8.31%	1.71%	9.39%	10.85%	-	15.47%
Operating Return on Assets (OROA)	4.38%	5.28%	5.20%	6.91%	2.84%	5.26%	9.68%	10.45%	9.49%	-	11.78%
Return on Assets (ROA)	1.86%	3.21%	3.33%	3.99%	0.66%	3.07%	6.08%	6.73%	6.01%	-	7.79%
Return on Common Equity (ROCE)	3.97%	6.27%	6.15%	7.62%	2.75%	6.36%	10.80%	12.03%	10.93%	-	13.60%
Return on Equity Simple (ROE_SIMPLE)	1.47%	0.00%	3.83%	4.90%	4.55%	0.00%	5.74%	0.00%	0.00%	-	0.00%
Net Operating Profit after Tax (NOPAT)	21	34	36	45	18	37	63	69	60	58	77
NOPAT Margin	8.62%	13.15%	12.55%	15.10%	5.99%	11.90%	19.08%	21.09%	18.70%	-	21.81%
Net Nonoperating Expense Percent (NNEP)	1.09%	1.30%	1.06%	1.35%	1.83%	1.62%	1.20%	1.14%	1.13%	-	1.04%
Return On Investment Capital (ROIC_SIMPLE)	-	1.17%	-	-	-	1.15%	1.96%	2.15%	1.91%	1.87%	2.56%
Cost of Revenue to Revenue	36.13%	37.76%	34.93%	31.97%	34.42%	39.37%	32.20%	28.62%	29.21%	-	27.73%
SG&A Expenses to Revenue	10.90%	8.82%	13.30%	10.76%	10.58%	9.61%	7.72%	9.20%	9.59%	-	8.78%
R&D to Revenue	22.32%	21.05%	19.50%	19.53%	20.03%	20.73%	18.57%	19.89%	20.46%	-	19.11%
Operating Expenses to Revenue	51.48%	47.42%	50.59%	48.39%	59.05%	47.11%	42.69%	43.88%	46.36%	-	43.24%
Earnings before Interest and Taxes (EBIT)	35	43	45	62	24	45	86	93	82	74	105
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	73	82	85	106	65	85	125	132	121	113	143
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.09	3.19	3.24	3.17	3.50	4.52	3.49	3.91	3.82	-	3.38
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Price to Revenue (P/Rev)	6.32	6.49	6.52	6.21	6.47	7.98	5.96	6.61	6.31	-	5.18
Price to Earnings (P/E)	210.64	116.40	84.53	64.62	76.98	98.96	60.87	57.52	42.48	-	30.04
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Earnings Yield	0.47%	0.86%	1.18%	1.55%	1.30%	1.01%	1.64%	1.74%	2.35%	-	3.33%
Enterprise Value to Invested Capital (EV/IC)	2.64	2.74	2.67	2.57	2.82	3.56	2.80	3.16	3.12	-	2.77
Enterprise Value to Revenue (EV/Rev)	6.88	7.01	7.21	6.96	7.17	8.64	6.62	7.19	6.86	-	5.71
Enterprise Value to EBITDA (EV/EBITDA)	25.68	24.46	24.56	22.10	24.37	30.40	21.57	22.45	19.18	-	15.02
Enterprise Value to EBIT (EV/EBIT)	65.83	53.68	49.97	41.33	47.18	58.71	37.82	36.75	28.98	-	21.59
Enterprise Value to NOPAT (EV/NOPAT)	112.89	80.16	67.50	55.53	62.08	76.66	50.94	49.44	38.78	-	28.91
Enterprise Value to Operating Cash Flow (EV/OCF)	30.18	28.85	27.18	24.86	24.17	30.52	24.25	24.88	21.35	-	15.59
Enterprise Value to Free Cash Flow (EV/FCFF)	51.13	44.25	0.00	0.00	0.00	0.00	167.05	33.16	28.29	-	17.36
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.44	0.45	0.46	0.53	0.53	0.52	0.52	0.49	0.48	-	0.48
Long-Term Debt to Equity	0.44	0.45	0.46	0.53	0.53	0.52	0.52	0.49	0.48	-	0.48
Financial Leverage	0.32	0.32	0.34	0.34	0.33	0.32	0.36	0.36	0.36	-	0.36
Leverage Ratio	1.59	1.59	1.56	1.60	1.60	1.59	1.58	1.61	1.62	-	1.61
Compound Leverage Factor	0.97	1.09	1.15	1.20	0.41	1.06	1.31	1.35	1.34	-	1.42
Debt to Total Capital	30.55%	31.22%	31.71%	34.73%	34.62%	34.19%	34.06%	32.75%	32.30%	-	32.25%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Long-Term Debt to Total Capital	30.55%	31.22%	31.71%	34.73%	34.62%	34.19%	34.06%	32.75%	32.30%	-	32.25%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Common Equity to Total Capital	69.46%	68.78%	68.29%	65.27%	65.38%	65.81%	65.94%	67.25%	67.70%	-	67.75%
Debt to EBITDA	3.36	3.23	3.18	3.32	3.32	3.22	2.88	2.57	2.21	-	1.92
Net Debt to EBITDA	2.08	1.81	2.36	2.37	2.37	2.35	2.12	1.82	1.54	-	1.39
Long-Term Debt to EBITDA	3.36	3.23	3.18	3.32	3.32	3.22	2.88	2.57	2.21	-	1.92
Debt to NOPAT	14.78	10.57	8.74	8.33	8.47	8.12	6.79	5.66	4.46	-	3.69
Net Debt to NOPAT	9.13	5.95	6.49	5.96	6.05	5.93	5.01	4.01	3.10	-	2.68
Long-Term Debt to NOPAT	14.78	10.57	8.74	8.33	8.47	8.12	6.79	5.66	4.46	-	3.69
Altman Z-Score	3.91	4.07	4.13	3.62	3.84	4.89	4.10	4.65	4.55	-	4.01
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.93	4.76	4.39	4.10	3.20	3.06	4.06	4.23	4.13	-	3.44
Quick Ratio	4.47	4.35	3.88	3.60	2.78	2.65	3.47	3.57	3.49	-	2.85
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	93	105	-219	-400	-382	-326	-49	159	145	196	253
Operating Cash Flow to CapEx	469.52%	683.88%	473.20%	834.07%	703.85%	558.74%	401.03%	1,215.26%	1,249.77%	-	598.61%
Free Cash Flow to Firm to Interest Expense	6.86	7.73	-18.53	-25.90	-21.02	-21.34	-3.30	10.66	10.31	-	20.12
Operating Cash Flow to Interest Expense	4.22	5.65	5.55	7.01	4.99	4.96	4.36	9.09	9.86	-	7.75
Operating Cash Flow Less CapEx to Interest Expense	3.32	4.82	4.37	6.17	4.28	4.08	3.27	8.34	9.07	-	6.45
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.32	0.32	0.33	0.33	0.35	0.36	0.37	0.37	0.37	-	0.40
Accounts Receivable Turnover	10.56	9.91	10.19	10.93	11.34	10.77	11.17	11.56	11.84	-	11.23
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Fixed Asset Turnover	83.42	105.92	133.56	160.02	199.19	259.35	301.12	330.45	354.58	-	383.54
Accounts Payable Turnover	25.67	29.06	24.20	33.36	33.55	32.01	27.07	42.25	27.87	-	28.30
Days Sales Outstanding (DSO)	34.56	36.83	35.81	33.38	32.19	33.91	32.66	31.59	30.82	-	32.52
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00
Days Payable Outstanding (DPO)	14.22	12.56	15.08	10.94	10.88	11.40	13.48	8.64	13.10	-	12.90
Cash Conversion Cycle (CCC)	20.35	24.27	20.73	22.44	21.31	22.50	19.18	22.95	17.72	-	19.62
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,528	2,555	2,820	2,978	2,928	2,917	2,933	2,887	2,843	2,780	2,757
Invested Capital Turnover	0.38	0.39	0.39	0.40	0.42	0.44	0.43	0.43	0.45	-	0.47
Increase / (Decrease) in Invested Capital	-71	-71	255	445	400	363	112	-91	-85	-138	-176
Enterprise Value (EV)	6,678	7,005	7,521	7,649	8,247	10,372	8,223	9,129	8,858	-	7,639
Market Capitalization	6,138	6,485	6,799	6,829	7,444	9,569	7,414	8,388	8,149	-	6,930
Book Value per Share	$23.22	$23.72	$24.35	$24.79	$24.33	$24.40	$24.55	$24.82	$24.77	$24.66	$24.24
Tangible Book Value per Share	($6.08)	($5.23)	($7.22)	($8.57)	($8.61)	($8.51)	($8.14)	($7.56)	($7.42)	($7.47)	($7.98)
Total Capital	2,862	2,959	3,072	3,305	3,250	3,213	3,221	3,191	3,152	3,099	3,022
Total Debt	874	924	974	1,148	1,125	1,099	1,097	1,045	1,018	992	975
Total Long-Term Debt	874	924	974	1,148	1,125	1,099	1,097	1,045	1,018	992	975
Net Debt	540	520	723	821	803	803	809	741	709	673	709
Capital Expenditures (CapEx)	12	11	14	13	13	14	16	11	11	10	16
Debt-free, Cash-free Net Working Capital (DFCFNWC)	44	36	61	48	19	25	69	72	69	37	65
Debt-free Net Working Capital (DFNWC)	378	440	313	375	341	321	356	376	378	355	331
Net Working Capital (NWC)	378	440	313	375	341	321	356	376	378	355	331
Net Nonoperating Expense (NNE)	6.82	8.14	7.27	9.46	12	11	9.21	8.87	8.54	8.31	7.92
Net Nonoperating Obligations (NNO)	540	520	723	821	803	803	809	741	709	673	709
Total Depreciation and Amortization (D&A)	38	39	40	44	41	39	39	39	39	39	38
Debt-free, Cash-free Net Working Capital to Revenue	4.54%	3.64%	5.89%	4.35%	1.61%	2.12%	5.52%	5.66%	5.33%	-	4.89%
Debt-free Net Working Capital to Revenue	38.95%	44.05%	29.99%	34.09%	29.62%	26.79%	28.68%	29.65%	29.29%	-	24.74%
Net Working Capital to Revenue	38.95%	44.05%	29.99%	34.09%	29.62%	26.79%	28.68%	29.65%	29.29%	-	24.74%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.17	$0.31	$0.33	$0.41	$0.07	$0.30	$0.62	$0.69	$0.60	$0.59	$0.82
Adjusted Weighted Average Basic Shares Outstanding	85.70M	85.56M	86.47M	87.13M	87.19M	86.87M	86.66M	86.55M	86.00M	86.13M	84.41M
Adjusted Diluted Earnings per Share	$0.17	$0.30	$0.33	$0.40	$0.06	$0.30	$0.61	$0.68	$0.59	$0.58	$0.82
Adjusted Weighted Average Diluted Shares Outstanding	87.12M	86.96M	88.32M	88.65M	88.63M	88.83M	88.42M	87.75M	86.97M	87.47M	85.01M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	85.80M	86.16M	87.01M	87.32M	86.66M	86.50M	86.48M	86.16M	85.44M	84.48M	83.60M
Normalized Net Operating Profit after Tax (NOPAT)	23	37	38	47	50	39	64	70	61	59	78
Normalized NOPAT Margin	9.37%	13.92%	13.19%	15.55%	16.50%	12.51%	19.37%	21.39%	18.97%	-	22.04%
Pre Tax Income Margin	8.46%	11.33%	11.56%	15.54%	2.07%	9.61%	21.45%	23.95%	20.96%	-	26.06%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.56	3.18	3.82	4.02	1.34	2.96	5.78	6.22	5.81	-	8.34
NOPAT to Interest Expense	1.59	2.53	3.06	2.94	0.99	2.43	4.25	4.60	4.29	-	6.14
EBIT Less CapEx to Interest Expense	1.66	2.35	2.65	3.18	0.63	2.08	4.69	5.47	5.02	-	7.05
NOPAT Less CapEx to Interest Expense	0.69	1.70	1.89	2.10	0.28	1.54	3.16	3.85	3.50	-	4.85
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	125.64%	148.24%	169.57%	146.60%	-	157.56%

Financials Breakdown Chart

Key Financial Trends

Here are the key trends for HealthEquity (HQY) based on the latest four years of quarterly results, focusing on the most important points for retail investors.

Revenue growth and margin expansion: Operating revenue rose to 334,586,000 in Q4 2026 from 262,387,000 in Q4 2024, and gross margin improved to about 68% (228,147,000 gross profit on 334,586,000 revenue) vs roughly 62% in Q4 2024 (163,320,000 gross profit on 262,387,000 revenue).
Net income and profitability improved: Net income attributable to common shareholders was 49,740,000 in Q4 2026, up from 26,365,000 in Q4 2025, signaling growing profitability.
Strong operating cash flow: Net cash from continuing operating activities ran roughly 118,000,000 to 139,000,000 across the 2026 quarters, reflecting solid ongoing cash generation to fund activities and shareholder returns.
Capital return activity: The company executed meaningful share buybacks in 2026 (about 92,424,000 in Q3 and 81,020,000 in Q4), indicating a significant use of cash to return value to shareholders.
R&D remains a major, ongoing investment: R&D expense hovered around 65–70,000,000 per quarter in 2026, representing roughly one-fifth of quarterly revenue, signaling continued product/experience development.
Balance sheet composition skewed toward intangibles: Goodwill (~1.65B) and intangible assets (roughly 1.1–1.3B) constitute a large portion of non-cash assets, reflecting past acquisitions and IP investments.
Leverage remains moderate: Long-term debt around 1.0B–1.1B and total liabilities roughly 1.2B–1.3B in mid-2026, with total equity around 2.1B, indicating a balanced capital structure.
Diluted EPS headwinds despite higher net income: Diluted earnings per share were 0.58 in Q4 2026 vs 0.68 in Q4 2025, partly due to a higher share count.
Financing activity pressure: Net cash from financing activities was negative in several 2026 quarters due to buybacks and debt actions, which reduces cash and can impact liquidity flexibility.
Costs remained important but controlled: Total operating expenses hovered around 140–160M per quarter in 2026, with SG&A, Marketing, and RD contributing meaningfully to the expense base.

06/15/26 07:31 PM ETAI Generated. May Contain Errors.

HealthEquity Financials - Frequently Asked Questions

According to the most recent income statement we have on file, HealthEquity's fiscal year ends in January. Their fiscal year 2026 ended on January 31, 2026.

HealthEquity's net income appears to be on an upward trend, with a most recent value of $215.20 million in 2026, rising from $16.61 million in 2016. The previous period was $96.70 million in 2025. Check out HealthEquity's forecast to explore projected trends and price targets.

HealthEquity's total operating income in 2026 was $322.46 million, based on the following breakdown:

Total Gross Profit: $913.12 million
Total Operating Expenses: $590.66 million

Over the last 10 years, HealthEquity's total revenue changed from $126.79 million in 2016 to $1.31 billion in 2026, a change of 935.9%.

HealthEquity's total liabilities were at $1.27 billion at the end of 2026, a 4.5% decrease from 2025, and a 7,692.5% increase since 2016.

In the past 10 years, HealthEquity's cash and equivalents has ranged from $83.64 million in 2016 to $403.98 million in 2024, and is currently $318.93 million as of their latest financial filing in 2026.

Over the last 10 years, HealthEquity's book value per share changed from 3.53 in 2016 to 24.66 in 2026, a change of 598.6%.

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Financial statements for NASDAQ:HQY last updated on 6/1/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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HealthEquity (HQY) Financials

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HealthEquity (HQY) Financials

Annual Income Statements for HealthEquity

Quarterly Income Statements for HealthEquity

Annual Cash Flow Statements for HealthEquity

Quarterly Cash Flow Statements for HealthEquity

Annual Balance Sheets for HealthEquity

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Annual Metrics And Ratios for HealthEquity

Quarterly Metrics And Ratios for HealthEquity

Financials Breakdown Chart

Key Financial Trends

HealthEquity Financials - Frequently Asked Questions

When does HealthEquity's financial year end?

How has HealthEquity's net income changed over the last 10 years?

What is HealthEquity's operating income?

How has HealthEquity's revenue changed over the last 10 years?

How much debt does HealthEquity have?

How much cash does HealthEquity have?

How has HealthEquity's book value per share changed over the last 10 years?

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