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HealthEquity (HQY) Financials

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$96.07 -2.71 (-2.74%)
As of 04:00 PM Eastern
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Annual Income Statements for HealthEquity

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

Quarterly Income Statements for HealthEquity

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

Metric Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026 Q1 2027 Q2 2027
Period end date 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 7/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 26 29 36 5.70 26 54 60 52 50 69 66
Consolidated Net Income / (Loss)		 26 29 36 5.70 26 54 60 52 50 69 66
Net Income / (Loss) Continuing Operations		 26 29 36 5.70 26 54 60 52 50 69 66
Total Pre-Tax Income 		30 33 47 6.22 30 71 78 68 61 92 88
Total Operating Income		 39 42 59 20 42 83 90 79 71 103 99
Total Gross Profit		 163 187 204 197 189 224 233 228 228 256 258
Total Revenue		 262 288 300 300 312 331 326 322 335 355 351
Operating Revenue		 262 288 300 300 312 331 326 322 335 355 351
Total Cost of Revenue		 99 100 96 103 123 107 93 94 106 98 93
Operating Cost of Revenue		 99 100 96 103 123 107 93 94 106 98 93
Total Operating Expenses		 124 146 145 177 147 141 143 149 157 153 159
Selling, General & Admin Expense		 23 38 32 32 30 26 30 31 34 31 35
Marketing Expense		 21 23 22 23 23 26 20 24 25 27 23
Research & Development Expense		 55 56 59 60 65 61 65 66 70 68 74
Amortization Expense		 23 26 31 28 27 27 27 27 27 27 26
Restructuring Charge		 2.28 2.14 1.78 34 2.18 1.28 1.27 1.16 1.32 1.11 0.97
Total Other Income / (Expense), net		 -9.17 -8.39 -12 -13 -12 -12 -12 -11 -10 -11 -11
Interest Expense		 14 12 15 18 15 15 15 14 13 13 13
Other Income / (Expense), net		 4.47 3.40 3.11 4.75 3.07 2.73 3.39 2.89 3.10 2.05 1.78
Income Tax Expense		 3.35 4.43 11 0.52 3.60 17 18 16 11 23 22
Basic Earnings per Share		 $0.31 $0.33 $0.41 $0.07 $0.30 $0.62 $0.69 $0.60 $0.59 $0.82 $0.79
Weighted Average Basic Shares Outstanding		 85.56M 86.47M 87.13M 87.19M 86.87M 86.66M 86.55M 86.00M 86.13M 84.41M 83.37M
Diluted Earnings per Share		 $0.30 $0.33 $0.40 $0.06 $0.30 $0.61 $0.68 $0.59 $0.58 $0.82 $0.78
Weighted Average Diluted Shares Outstanding		 86.96M 88.32M 88.65M 88.63M 88.83M 88.42M 87.75M 86.97M 87.47M 85.01M 84.01M
Weighted Average Basic & Diluted Shares Outstanding		 86.16M 87.01M 87.32M 86.66M 86.50M 86.48M 86.16M 85.44M 84.48M 83.60M 82.72M

Annual Cash Flow Statements for HealthEquity

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

Quarterly Cash Flow Statements for HealthEquity

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 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026 Q1 2027 Q2 2027
Period end date 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 7/31/2026
Net Change in Cash & Equivalents		 70 -153 76 -4.73 -26 -8.05 17 4.80 9.67 -54 -9.37
Net Cash From Operating Activities		 77 65 108 91 76 65 136 139 118 98 136
Net Cash From Continuing Operating Activities		 77 65 108 91 76 65 136 139 118 98 136
Net Income / (Loss) Continuing Operations		 26 29 36 5.70 26 54 60 52 50 69 66
Consolidated Net Income / (Loss)		 26 29 36 5.70 26 54 60 52 50 69 66
Depreciation Expense		 38 39 44 41 39 39 38 39 39 38 42
Amortization Expense		 0.70 0.70 0.73 0.38 0.26 0.27 0.27 0.27 0.26 0.08 0.31
Non-Cash Adjustments To Reconcile Net Income		 19 34 23 24 23 16 21 22 21 21 24
Changes in Operating Assets and Liabilities, net		 -7.07 -37 4.77 19 -13 -44 17 26 8.38 -31 4.34
Net Cash From Investing Activities		 -11 -270 -209 -13 -14 -16 -11 -11 -8.44 -14 -26
Net Cash From Continuing Investing Activities		 -11 -270 -209 -13 -14 -16 -11 -11 -8.44 -14 -26
Purchase of Property, Plant & Equipment		 -11 -14 -13 -13 -14 -16 -11 -11 -10 -16 -16
Purchase of Investments		 - - - - - 0.00 - - - 2.39 -10
Net Cash From Financing Activities		 4.12 52 177 -82 -88 -57 -108 -122 -100 -137 -120
Net Cash From Continuing Financing Activities		 4.12 52 177 -82 -88 -57 -108 -122 -100 -137 -120
Repayment of Debt		 - - - -541 -25 0.00 - -25 -25 -15 -12
Repurchase of Common Equity		 - 0.00 - - -63 -59 -67 -92 -81 -123 -108
Other Financing Activities, net		 4.12 1.77 1.62 4.85 -0.43 2.42 8.63 -4.97 6.21 1.13 0.01
Cash Interest Paid		 5.37 19 8.12 23 8.38 21 7.55 18 5.79 19 4.84
Cash Income Taxes Paid		 11 0.28 13 10 2.25 -0.05 6.55 0.84 0.69 -0.45 36

Annual Balance Sheets for HealthEquity

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

Quarterly Balance Sheets for HealthEquity

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 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026 Q1 2027 Q2 2027
Period end date 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 7/31/2026
Total Assets		 3,035 3,066 3,094 3,246 3,514 3,488 3,416 3,417 3,398 3,306 3,271
Total Current Assets		 358 423 474 405 496 495 473 493 499 467 460
Cash & Equivalents		 226 290 334 251 327 322 288 304 309 265 256
Accounts Receivable		 98 93 96 106 108 107 116 111 111 122 122
Prepaid Expenses		 - - - - - - 69 77 78 79 82
Plant, Property, & Equipment, net		 11 9.15 7.66 5.08 4.59 3.89 3.17 3.09 3.39 3.80 4.82
Total Noncurrent Assets		 2,666 2,635 2,611 2,836 3,014 2,989 2,940 2,921 2,896 2,836 2,806
Goodwill		 1,648 1,648 1,648 1,648 1,648 1,648 1,648 1,648 1,648 1,648 1,648
Intangible Assets		 908 882 861 1,071 1,254 1,228 1,179 1,152 1,125 1,073 1,048
Other Noncurrent Operating Assets		 110 105 103 117 112 113 113 120 123 115 110
Total Liabilities & Shareholders' Equity		 3,035 3,066 3,094 3,246 3,514 3,488 3,416 3,417 3,398 3,306 3,271
Total Liabilities		 1,116 1,117 1,106 1,149 1,357 1,364 1,292 1,270 1,264 1,259 1,281
Total Current Liabilities		 90 103 96 92 121 155 116 117 121 136 154
Accounts Payable		 13 13 13 18 11 10 13 9.60 20 14 8.59
Accrued Expenses		 46 49 42 41 63 87 68 65 47 85 97
Current Employee Benefit Liabilities		 20 31 31 23 37 48 24 32 44 27 38
Other Current Liabilities		 11 10 9.77 9.76 9.90 9.95 9.97 9.95 9.93 9.92 9.97
Total Noncurrent Liabilities		 1,027 1,014 1,009 1,056 1,237 1,209 1,176 1,154 1,143 1,123 1,127
Long-Term Debt		 873 874 874 926 1,101 1,081 1,057 1,007 982 943 931
Capital Lease Obligations		 - - - 48 46 44 40 38 36 32 30
Noncurrent Deferred & Payable Income Tax Liabilities		 82 75 67 63 63 59 57 87 102 95 92
Other Noncurrent Operating Liabilities		 72 65 68 19 25 25 22 22 24 53 74
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		 1,919 1,950 1,988 2,098 2,157 2,125 2,124 2,146 2,134 2,047 1,990
Total Preferred & Common Equity		 1,919 1,950 1,988 2,098 2,157 2,125 2,124 2,146 2,134 2,047 1,990
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		 1,919 1,950 1,988 2,098 2,157 2,125 2,124 2,146 2,134 2,047 1,990
Common Stock		 1,765 1,785 1,809 1,863 1,887 1,893 1,905 1,919 1,917 1,902 1,897
Retained Earnings		 154 165 179 234 270 232 218 227 208 177 163
Accumulated Other Comprehensive Income / (Loss)		 - - - - - - - 0.20 8.84 -32 -69

Annual Metrics And Ratios for HealthEquity

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		 - - - - - - - - - - -

Quarterly Metrics And Ratios for HealthEquity

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

Metric Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026 Q1 2027 Q2 2027
Period end date 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 7/31/2026
DEI Shares Outstanding		 - - - - - - - - 85,436,286.00 84,478,406.00 83,602,157.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 85,436,286.00 84,478,406.00 83,602,157.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.58 0.82 0.79
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 12.21% 17.66% 23.15% 20.55% 18.84% 15.04% 8.64% 7.23% - 7.19% 7.64%
EBITDA Growth		 47.44% 30.61% 59.92% -10.44% 3.28% 47.41% 23.83% 84.25% - 14.80% 8.36%
EBIT Growth		 202.93% 80.07% 125.64% -29.62% 4.29% 90.55% 49.90% 234.72% - 22.36% 8.03%
NOPAT Growth		 109.99% 280.70% 146.06% -16.26% 7.51% 74.94% 51.76% 234.66% - 22.50% 7.29%
Net Income Growth		 12,714.35% 603.79% 238.55% -61.13% 0.00% 87.12% 67.09% 806.40% - 28.75% 9.67%
EPS Growth		 0.00% 560.00% 233.33% -64.71% 0.00% 84.85% 70.00% 883.33% - 34.43% 14.71%
Operating Cash Flow Growth		 38.89% 107.46% 40.23% 58.56% -1.72% -1.06% 25.65% 53.04% - 50.65% 0.22%
Free Cash Flow Firm Growth		 125.53% -266.27% -493.06% -510.50% -408.87% 77.54% 139.89% 137.97% - 615.88% 66.64%
Invested Capital Growth		 -2.70% 9.92% 17.56% 15.81% 14.20% 3.98% -3.04% -2.89% - -6.00% -6.65%
Revenue Q/Q Growth		 5.28% 9.61% 4.29% 0.17% 3.79% 6.10% -1.51% -1.13% - 5.99% -1.10%
EBITDA Q/Q Growth		 12.13% 3.30% 25.63% -38.45% 29.31% 47.43% 5.53% -8.42% - 26.69% -0.39%
EBIT Q/Q Growth		 25.20% 3.87% 37.77% -60.72% 85.53% 89.77% 8.38% -12.28% - 41.57% -4.32%
NOPAT Q/Q Growth		 60.50% 4.60% 25.49% -60.25% 106.07% 70.20% 8.86% -12.35% - 33.23% -4.66%
Net Income Q/Q Growth		 79.68% 9.29% 24.33% -84.08% 362.30% 104.49% 11.02% -13.64% - 39.56% -5.44%
EPS Q/Q Growth		 76.47% 10.00% 21.21% -85.00% 400.00% 103.33% 11.48% -13.24% - 41.38% -4.88%
Operating Cash Flow Q/Q Growth		 34.96% -15.11% 65.26% -16.26% -16.35% -14.54% 109.87% 1.99% - -17.29% 39.61%
Free Cash Flow Firm Q/Q Growth		 13.41% -307.31% -82.83% 4.50% 14.67% 84.92% 424.69% -9.09% - 29.41% 4.88%
Invested Capital Q/Q Growth		 1.05% 10.40% 5.57% -1.68% -0.35% 0.52% -1.56% -1.52% - -0.83% -2.24%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 62.24% 65.07% 68.03% 65.58% 60.63% 67.80% 71.38% 70.79% - 72.27% 73.55%
EBITDA Margin		 31.24% 29.44% 35.47% 21.79% 27.15% 37.73% 40.43% 37.44% - 40.41% 40.70%
Operating Margin		 14.82% 14.48% 19.65% 6.53% 13.52% 25.11% 27.50% 24.43% - 29.03% 28.14%
EBIT Margin		 16.52% 15.66% 20.69% 8.11% 14.50% 25.94% 28.54% 25.32% - 29.61% 28.65%
Profit (Net Income) Margin		 10.05% 10.02% 11.94% 1.90% 8.46% 16.30% 18.37% 16.05% - 19.57% 18.72%
Tax Burden Percent		 88.72% 86.68% 76.84% 91.72% 88.00% 75.99% 76.69% 76.54% - 75.12% 74.71%
Interest Burden Percent		 68.54% 73.81% 75.14% 25.51% 66.26% 82.69% 83.92% 82.78% - 88.01% 87.45%
Effective Tax Rate		 11.28% 13.32% 23.16% 8.28% 12.00% 24.01% 23.31% 23.46% - 24.88% 25.29%
Return on Invested Capital (ROIC)		 5.07% 4.86% 6.02% 2.53% 5.22% 8.25% 9.13% 8.36% - 10.25% 10.26%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.77% 3.80% 4.68% 0.70% 3.59% 7.04% 7.99% 7.23% - 9.21% 9.14%
Return on Net Nonoperating Assets (RNNOA)		 1.20% 1.29% 1.60% 0.23% 1.15% 2.55% 2.90% 2.57% - 3.35% 3.19%
Return on Equity (ROE)		 6.27% 6.15% 7.62% 2.75% 6.36% 10.80% 12.03% 10.93% - 13.60% 13.45%
Cash Return on Invested Capital (CROIC)		 6.11% -5.32% -11.15% -9.78% -8.31% 1.71% 9.39% 10.85% - 15.47% 16.52%
Operating Return on Assets (OROA)		 5.28% 5.20% 6.91% 2.84% 5.26% 9.68% 10.45% 9.49% - 11.78% 11.67%
Return on Assets (ROA)		 3.21% 3.33% 3.99% 0.66% 3.07% 6.08% 6.73% 6.01% - 7.79% 7.62%
Return on Common Equity (ROCE)		 6.27% 6.15% 7.62% 2.75% 6.36% 10.80% 12.03% 10.93% - 13.60% 13.45%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 3.83% 4.90% 4.55% 0.00% 5.74% 0.00% 0.00% - 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 34 36 45 18 37 63 69 60 58 77 74
NOPAT Margin		 13.15% 12.55% 15.10% 5.99% 11.90% 19.08% 21.09% 18.70% - 21.81% 21.02%
Net Nonoperating Expense Percent (NNEP)		 1.30% 1.06% 1.35% 1.83% 1.62% 1.20% 1.14% 1.13% - 1.04% 1.12%
Return On Investment Capital (ROIC_SIMPLE)		 1.17% - - - 1.15% 1.96% 2.15% 1.91% 1.87% 2.56% 2.50%
Cost of Revenue to Revenue		 37.76% 34.93% 31.97% 34.42% 39.37% 32.20% 28.62% 29.21% - 27.73% 26.45%
SG&A Expenses to Revenue		 8.82% 13.30% 10.76% 10.58% 9.61% 7.72% 9.20% 9.59% - 8.78% 9.94%
R&D to Revenue		 21.05% 19.50% 19.53% 20.03% 20.73% 18.57% 19.89% 20.46% - 19.11% 21.08%
Operating Expenses to Revenue		 47.42% 50.59% 48.39% 59.05% 47.11% 42.69% 43.88% 46.36% - 43.24% 45.41%
Earnings before Interest and Taxes (EBIT)		 43 45 62 24 45 86 93 82 74 105 100
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 82 85 106 65 85 125 132 121 113 143 143
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 3.19 3.24 3.17 3.50 4.52 3.49 3.91 3.82 - 3.38 4.23
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)		 6.49 6.52 6.21 6.47 7.98 5.96 6.61 6.31 - 5.18 6.18
Price to Earnings (P/E)		 116.40 84.53 64.62 76.98 98.96 60.87 57.52 42.48 - 30.04 35.57
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Earnings Yield		 0.86% 1.18% 1.55% 1.30% 1.01% 1.64% 1.74% 2.35% - 3.33% 2.81%
Enterprise Value to Invested Capital (EV/IC)		 2.74 2.67 2.57 2.82 3.56 2.80 3.16 3.12 - 2.77 3.38
Enterprise Value to Revenue (EV/Rev)		 7.01 7.21 6.96 7.17 8.64 6.62 7.19 6.86 - 5.71 6.69
Enterprise Value to EBITDA (EV/EBITDA)		 24.46 24.56 22.10 24.37 30.40 21.57 22.45 19.18 - 15.02 17.54
Enterprise Value to EBIT (EV/EBIT)		 53.68 49.97 41.33 47.18 58.71 37.82 36.75 28.98 - 21.59 25.24
Enterprise Value to NOPAT (EV/NOPAT)		 80.16 67.50 55.53 62.08 76.66 50.94 49.44 38.78 - 28.91 33.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 28.85 27.18 24.86 24.17 30.52 24.25 24.88 21.35 - 15.59 18.60
Enterprise Value to Free Cash Flow (EV/FCFF)		 44.25 0.00 0.00 0.00 0.00 167.05 33.16 28.29 - 17.36 19.77
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.45 0.46 0.53 0.53 0.52 0.52 0.49 0.48 - 0.48 0.48
Long-Term Debt to Equity		 0.45 0.46 0.53 0.53 0.52 0.52 0.49 0.48 - 0.48 0.48
Financial Leverage		 0.32 0.34 0.34 0.33 0.32 0.36 0.36 0.36 - 0.36 0.35
Leverage Ratio		 1.59 1.56 1.60 1.60 1.59 1.58 1.61 1.62 - 1.61 1.62
Compound Leverage Factor		 1.09 1.15 1.20 0.41 1.06 1.31 1.35 1.34 - 1.42 1.41
Debt to Total Capital		 31.22% 31.71% 34.73% 34.62% 34.19% 34.06% 32.75% 32.30% - 32.25% 32.57%
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		 31.22% 31.71% 34.73% 34.62% 34.19% 34.06% 32.75% 32.30% - 32.25% 32.57%
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		 68.78% 68.29% 65.27% 65.38% 65.81% 65.94% 67.25% 67.70% - 67.75% 67.43%
Debt to EBITDA		 3.23 3.18 3.32 3.32 3.22 2.88 2.57 2.21 - 1.92 1.85
Net Debt to EBITDA		 1.81 2.36 2.37 2.37 2.35 2.12 1.82 1.54 - 1.39 1.36
Long-Term Debt to EBITDA		 3.23 3.18 3.32 3.32 3.22 2.88 2.57 2.21 - 1.92 1.85
Debt to NOPAT		 10.57 8.74 8.33 8.47 8.12 6.79 5.66 4.46 - 3.69 3.57
Net Debt to NOPAT		 5.95 6.49 5.96 6.05 5.93 5.01 4.01 3.10 - 2.68 2.62
Long-Term Debt to NOPAT		 10.57 8.74 8.33 8.47 8.12 6.79 5.66 4.46 - 3.69 3.57
Altman Z-Score		 4.07 4.13 3.62 3.84 4.89 4.10 4.65 4.55 - 4.01 4.64
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		 4.76 4.39 4.10 3.20 3.06 4.06 4.23 4.13 - 3.44 2.99
Quick Ratio		 4.35 3.88 3.60 2.78 2.65 3.47 3.57 3.49 - 2.85 2.46
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 105 -219 -400 -382 -326 -49 159 145 196 253 266
Operating Cash Flow to CapEx		 683.88% 473.20% 834.07% 703.85% 558.74% 401.03% 1,215.26% 1,249.77% - 598.61% 863.51%
Free Cash Flow to Firm to Interest Expense		 7.73 -18.53 -25.90 -21.02 -21.34 -3.30 10.66 10.31 - 20.12 21.07
Operating Cash Flow to Interest Expense		 5.65 5.55 7.01 4.99 4.96 4.36 9.09 9.86 - 7.75 10.80
Operating Cash Flow Less CapEx to Interest Expense		 4.82 4.37 6.17 4.28 4.08 3.27 8.34 9.07 - 6.45 9.55
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.32 0.33 0.33 0.35 0.36 0.37 0.37 0.37 - 0.40 0.41
Accounts Receivable Turnover		 9.91 10.19 10.93 11.34 10.77 11.17 11.56 11.84 - 11.23 11.67
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		 105.92 133.56 160.02 199.19 259.35 301.12 330.45 354.58 - 383.54 344.36
Accounts Payable Turnover		 29.06 24.20 33.36 33.55 32.01 27.07 42.25 27.87 - 28.30 43.06
Days Sales Outstanding (DSO)		 36.83 35.81 33.38 32.19 33.91 32.66 31.59 30.82 - 32.52 31.27
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)		 12.56 15.08 10.94 10.88 11.40 13.48 8.64 13.10 - 12.90 8.48
Cash Conversion Cycle (CCC)		 24.27 20.73 22.44 21.31 22.50 19.18 22.95 17.72 - 19.62 22.79
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,555 2,820 2,978 2,928 2,917 2,933 2,887 2,843 2,780 2,757 2,695
Invested Capital Turnover		 0.39 0.39 0.40 0.42 0.44 0.43 0.43 0.45 - 0.47 0.49
Increase / (Decrease) in Invested Capital		 -71 255 445 400 363 112 -91 -85 -138 -176 -192
Enterprise Value (EV)		 7,005 7,521 7,649 8,247 10,372 8,223 9,129 8,858 - 7,639 9,116
Market Capitalization		 6,485 6,799 6,829 7,444 9,569 7,414 8,388 8,149 - 6,930 8,411
Book Value per Share		 $23.72 $24.35 $24.79 $24.33 $24.40 $24.55 $24.82 $24.77 $24.66 $24.24 $23.80
Tangible Book Value per Share		 ($5.23) ($7.22) ($8.57) ($8.61) ($8.51) ($8.14) ($7.56) ($7.42) ($7.47) ($7.98) ($8.44)
Total Capital		 2,959 3,072 3,305 3,250 3,213 3,221 3,191 3,152 3,099 3,022 2,951
Total Debt		 924 974 1,148 1,125 1,099 1,097 1,045 1,018 992 975 961
Total Long-Term Debt		 924 974 1,148 1,125 1,099 1,097 1,045 1,018 992 975 961
Net Debt		 520 723 821 803 803 809 741 709 673 709 705
Capital Expenditures (CapEx)		 11 14 13 13 14 16 11 11 10 16 16
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 36 61 48 19 25 69 72 69 37 65 50
Debt-free Net Working Capital (DFNWC)		 440 313 375 341 321 356 376 378 355 331 306
Net Working Capital (NWC)		 440 313 375 341 321 356 376 378 355 331 306
Net Nonoperating Expense (NNE)		 8.14 7.27 9.46 12 11 9.21 8.87 8.54 8.31 7.92 8.09
Net Nonoperating Obligations (NNO)		 520 723 821 803 803 809 741 709 673 709 705
Total Depreciation and Amortization (D&A)		 39 40 44 41 39 39 39 39 39 38 42
Debt-free, Cash-free Net Working Capital to Revenue		 3.64% 5.89% 4.35% 1.61% 2.12% 5.52% 5.66% 5.33% - 4.89% 3.70%
Debt-free Net Working Capital to Revenue		 44.05% 29.99% 34.09% 29.62% 26.79% 28.68% 29.65% 29.29% - 24.74% 22.50%
Net Working Capital to Revenue		 44.05% 29.99% 34.09% 29.62% 26.79% 28.68% 29.65% 29.29% - 24.74% 22.50%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.31 $0.33 $0.41 $0.07 $0.30 $0.62 $0.69 $0.60 $0.59 $0.82 $0.79
Adjusted Weighted Average Basic Shares Outstanding		 85.56M 86.47M 87.13M 87.19M 86.87M 86.66M 86.55M 86.00M 86.13M 84.41M 83.37M
Adjusted Diluted Earnings per Share		 $0.30 $0.33 $0.40 $0.06 $0.30 $0.61 $0.68 $0.59 $0.58 $0.82 $0.78
Adjusted Weighted Average Diluted Shares Outstanding		 86.96M 88.32M 88.65M 88.63M 88.83M 88.42M 87.75M 86.97M 87.47M 85.01M 84.01M
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		 86.16M 87.01M 87.32M 86.66M 86.50M 86.48M 86.16M 85.44M 84.48M 83.60M 82.72M
Normalized Net Operating Profit after Tax (NOPAT)		 37 38 47 50 39 64 70 61 59 78 74
Normalized NOPAT Margin		 13.92% 13.19% 15.55% 16.50% 12.51% 19.37% 21.39% 18.97% - 22.04% 21.23%
Pre Tax Income Margin		 11.33% 11.56% 15.54% 2.07% 9.61% 21.45% 23.95% 20.96% - 26.06% 25.05%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.18 3.82 4.02 1.34 2.96 5.78 6.22 5.81 - 8.34 7.97
NOPAT to Interest Expense		 2.53 3.06 2.94 0.99 2.43 4.25 4.60 4.29 - 6.14 5.85
EBIT Less CapEx to Interest Expense		 2.35 2.65 3.18 0.63 2.08 4.69 5.47 5.02 - 7.05 6.72
NOPAT Less CapEx to Interest Expense		 1.70 1.89 2.10 0.28 1.54 3.16 3.85 3.50 - 4.85 4.60
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% 125.64% 148.24% 169.57% 146.60% - 157.56% 171.04%

Financials Breakdown Chart

Key Financial Trends

HealthEquity’s latest quarter shows solid revenue growth, strong operating cash flow, and a healthier balance sheet on the equity side, but earnings quality remains mixed due to heavy buybacks, rising debt, and recurring acquisition-related activity.

For Q1 fiscal 2027, revenue increased to $354.6 million from $334.6 million in Q4 fiscal 2026 and $325.8 million in Q2 fiscal 2026. Net income also improved to $69.4 million, up from $49.7 million in the prior quarter. Operating income climbed to $103.0 million, suggesting the core business is still expanding.

Cash generation remains a key strength. HealthEquity produced $97.5 million in operating cash flow in Q1 2027, compared with $117.9 million in Q4 2026 and $135.9 million in Q2 2026. Even though quarterly operating cash flow moved lower from the prior two quarters, it stayed comfortably positive and well above reported net income.

The balance sheet shows substantial liquidity, with $265.4 million in cash and equivalents at the end of Q1 2027. Total equity stood at $2.05 billion, while total assets were $3.31 billion. However, the company also carried $942.7 million of long-term debt, so leverage remains meaningful.

  • Revenue growth accelerated year over year and sequentially. Q1 2027 revenue of $354.6 million was above Q4 2026 and Q1 2026 levels, indicating continued demand growth.
  • Operating income improved materially. Q1 2027 operating income of $103.0 million was stronger than the prior quarter’s $71.1 million.
  • Net income rebounded nicely. Profit rose to $69.4 million from $49.7 million in Q4 2026.
  • Operating cash flow remained robust. The company generated $97.5 million in operating cash flow in the latest quarter.
  • Cash balance is still sizable. HealthEquity ended the quarter with $265.4 million in cash and equivalents.
  • Equity value expanded over time. Total common equity increased to $2.05 billion in Q1 2027 from $1.92 billion in Q1 2026.
  • Gross margin remained healthy, but cost of revenue is still significant. Gross profit was $256.3 million on $354.6 million of revenue, showing a strong spread, though costs remain a large part of the business.
  • EPS was steady. Basic and diluted EPS were both $0.82 in Q1 2027, unchanged from the prior quarter’s rounded EPS trend, but still not showing explosive earnings leverage.
  • Acquisition activity continues to affect cash flow. The company spent on acquisitions in prior quarters, which can support growth but also adds integration risk.
  • Debt remains high. Long-term debt was $942.7 million, and the company has carried more than $900 million of debt across recent quarters.
  • Share repurchases continue to consume cash. HealthEquity spent $123.3 million on buybacks in Q1 2027, after $81.0 million in Q4 2026 and $66.7 million in Q2 2026.
  • Financing cash flow was deeply negative. The latest quarter showed -$137.2 million in financing cash flow, driven mainly by repurchases and debt repayment.

Bottom line: HealthEquity is still growing revenue and producing strong cash flow, which is constructive for investors. The main watch items are leverage, buyback spending, and whether revenue growth can keep translating into consistently higher earnings and operating cash flow over the next few quarters.

09/04/26 04:19 PM ETAI Generated. May Contain Errors.

HealthEquity Financials - Frequently Asked Questions

According to the most recent income statement we have on file, HealthEquity's financial year ends in January. Their financial 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. View HealthEquity's forecast to see where analysts expect HealthEquity to go next.

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 8/27/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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