Ratios in Focus: Analyzing Healthequity Inc (HQY)’s Price-to-Cash and Price-to-Free Cash Flow

Abby Carey

Investors seeking to outperform the market often focus on hand-picking stocks. Selecting the right ones has proven to be a key factor in boosting wealth.

In the latest session, Healthequity Inc (NASDAQ: HQY) closed at $88.59 down -1.22% from its previous closing price of $89.68. In other words, the price has decreased by -$1.22 from its previous closing price. On the day, 1.02 million shares were traded. HQY stock price reached its highest trading level at $91.54 during the session, while it also had its lowest trading level at $88.38.

Ratios:

For a deeper understanding of Healthequity Inc’s stock, let’s take a closer look at its various ratios. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 25.07 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 20.89. 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.

On March 25, 2025, Raymond James Upgraded its rating to Strong Buy which previously was Outperform and also lowered its target price recommendation from $120 to $115.

On December 04, 2024, Mizuho started tracking the stock assigning a Outperform rating and target price of $126.Mizuho initiated its Outperform rating on December 04, 2024, with a $126 target price.

Insider Transactions:

Additionally, insider trades can be beneficial to investors who want to learn what the management thinks about stock prices in the future. A recent insider transaction in this stock occurred on Sep 19 ’25 when Ladd Delano sold 6,000 shares for $94.11 per share. The transaction valued at 564,647 led to the insider holds 79,456 shares of the business.

DELANO LADD bought 9,000 shares of HQY for $860,310 on Sep 19 ’25. On Sep 05 ’25, another insider, Dilsaver Evelyn S, who serves as the Director of the company, sold 3,461 shares for $93.30 each. As a result, the insider received 322,916 and left with 48,208 shares of the company.

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 7632589312 and an Enterprise Value of 8383152640. As of this moment, Healthequity’s Price-to-Earnings (P/E) ratio for their current fiscal year is 53.63, and their Forward P/E ratio for the next fiscal year is 19.70. The expected Price-to-Earnings-to-Growth (PEG) calculation for the next 5 years is 2.80. For the stock, the TTM Price-to-Sale (P/S) ratio is 6.01 while its Price-to-Book (P/B) ratio in mrq is 3.57. Its current Enterprise Value per Revenue stands at 6.606 whereas that against EBITDA is 19.463.

Stock Price History:

The Beta on a monthly basis for HQY is 0.48, which has changed by 0.07381821 over the last 52 weeks, in comparison to a change of 0.17904854 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 -4.00%, while the 200-Day Moving Average is calculated to be -8.51%.

Shares Statistics:

For the past three months, HQY has traded an average of 1.01M shares per day and 885770 over the past ten days. A total of 86.42M shares are outstanding, with a floating share count of 84.30M. Insiders hold about 2.15% of the company’s shares, while institutions hold 106.71% stake in the company. Shares short for HQY as of 1757894400 were 4407240 with a Short Ratio of 4.36, compared to 1755216000 on 5089216. Therefore, it implies a Short% of Shares Outstanding of 4407240 and a Short% of Float of 5.9299998.

Earnings Estimates

The market rating of Healthequity Inc (HQY) is currently shaped by the ongoing analysis conducted by 13.0 analysts closely monitoring its performance.The consensus estimate for the next quarter is $0.93, with high estimates of $1.0 and low estimates of $0.86.

Analysts are recommending an EPS of between $4.03 and $3.82 for the fiscal current year, implying an average EPS of $3.88. EPS for the following year is $4.5, with 12.0 analysts recommending between $4.63 and $4.26.

Revenue Estimates

A total of 14 analysts believe the company’s revenue will be $320.92M this quarter.It ranges from a high estimate of $327.18M to a low estimate of $315.1M. As of. The current estimate, Healthequity Inc’s year-ago sales were $300.43MFor the next quarter, 14 analysts are estimating revenue of $332.35M. There is a high estimate of $336.6M for the next quarter, whereas the lowest estimate is $328.46M.

A total of 14 analysts have provided revenue estimates for HQY’s current fiscal year. The highest revenue estimate was $1.32B, 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 13 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.

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