Financial Health Check: Examining Healthequity Inc (HQY)’s Key Ratios

Kiel Thompson

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Healthequity Inc (NASDAQ: HQY) closed the day trading at $98.64 down -0.24% from the previous closing price of $98.88. In other words, the price has decreased by -$0.24 from its previous closing price. On the day, 1.52 million shares were traded. HQY stock price reached its highest trading level at $100.39 during the session, while it also had its lowest trading level at $97.02.

Ratios:

For a better understanding of HQY, let’s look at its different ratios. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 27.91 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 23.26. For the most recent quarter (mrq), Quick Ratio is recorded 4.23 and its Current Ratio is at 4.23. In the meantime, Its Debt-to-Equity ratio is 0.49 whereas as Long-Term Debt/Eq ratio is at 0.49.

Upgrades & Downgrades

In the most recent recommendation for this company, BMO Capital Markets on November 13, 2025, initiated with a Market Perform rating and assigned the stock a target price of $100.

Raymond James Upgraded its Outperform to Strong Buy on March 25, 2025, whereas the target price for the stock was revised from $120 to $115.

Insider Transactions:

The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Nov 20 ’25 when Ladd Delano sold 1,500 shares for $104.56 per share. The transaction valued at 156,840 led to the insider holds 75,479 shares of the business.

Ladd Delano sold 1,500 shares of HQY for $138,105 on Oct 20 ’25. The EVP, General Counsel now owns 76,979 shares after completing the transaction at $92.07 per share. On Oct 06 ’25, another insider, Delano Ladd, who serves as the Officer of the company, bought 977 shares for $88.57 each.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, HQY now has a Market Capitalization of 8529928704 and an Enterprise Value of 9249024000. As of this moment, Healthequity’s Price-to-Earnings (P/E) ratio for their current fiscal year is 59.71, and their Forward P/E ratio for the next fiscal year is 21.84. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 3.09. For the stock, the TTM Price-to-Sale (P/S) ratio is 6.70 while its Price-to-Book (P/B) ratio in mrq is 3.97. Its current Enterprise Value per Revenue stands at 7.289 whereas that against EBITDA is 21.473.

Stock Price History:

The Beta on a monthly basis for HQY is 0.20, which has changed by -0.019485354 over the last 52 weeks, in comparison to a change of 0.12415576 over the same period for the S&P500. Over the past 52 weeks, HQY has reached a high of $116.65, while it has fallen to a 52-week low of $74.07. The 50-Day Moving Average of the stock is 2.51%, while the 200-Day Moving Average is calculated to be 3.35%.

Shares Statistics:

Over the past 3-months, HQY traded about 922.93K shares per day on average, while over the past 10 days, HQY traded about 815830 shares per day. A total of 86.42M shares are outstanding, with a floating share count of 84.20M. Insiders hold about 2.27% of the company’s shares, while institutions hold 105.18% stake in the company. Shares short for HQY as of 1763078400 were 4007530 with a Short Ratio of 4.34, compared to 1760486400 on 4235174. Therefore, it implies a Short% of Shares Outstanding of 4007530 and a Short% of Float of 5.390000000000001.

Earnings Estimates

Healthequity Inc (HQY) is currently under the scrutiny of 11.0 analysts, each contributing to the ongoing evaluation of its stock.The consensus estimate for the next quarter is $1.11, with high estimates of $1.2 and low estimates of $1.03.

Analysts are recommending an EPS of between $3.91 and $3.85 for the fiscal current year, implying an average EPS of $3.89. EPS for the following year is $4.5, with 13.0 analysts recommending between $4.63 and $4.26.

Revenue Estimates

14 analysts predict $331.99M in revenue for. The current quarter. It ranges from a high estimate of $336.6M to a low estimate of $328.46M. As of. The current estimate, Healthequity Inc’s year-ago sales were $311.82MFor the next quarter, 14 analysts are estimating revenue of $353.55M. There is a high estimate of $366.27M for the next quarter, whereas the lowest estimate is $348.2M.

A total of 14 analysts have provided revenue estimates for HQY’s current fiscal year. The highest revenue estimate was $1.31B, while the lowest revenue estimate was $1.3B, resulting in an average revenue estimate of $1.31B. In the same quarter a year ago, actual revenue was $1.2BBased on 14 analysts’ estimates, the company’s revenue will be $1.42B in the next fiscal year. The high estimate is $1.46B and the low estimate is $1.39B.