SuperworthHealthequity profit margin HQY
Gross, operating and net profit as a share of revenue over the last twelve months, from 2014.
- Net margin, 12 months
- 17.4%
- Operating margin, 12 months
- 25.8%
- Net margin on a year earlier
- +5.9 pts
- Peer median
- 11.6%
Over the twelve months to Jul 31, 2026, Healthequity kept 17.4% of its revenue as net profit, with an operating margin of 25.8% and a gross margin of 71.2%.
Five years earlier its net margin was 0.1%.
The median for 10 credit services stocks of a similar size is 11.6%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin | Gross margin |
|---|---|---|---|
| FY2026 | 16.4% | 24.6% | 69.5% |
| FY2025 | 8.1% | 13.5% | 64.8% |
| FY2024 | 5.6% | 11.8% | 62.3% |
| FY2023 | −3.0% | 1.1% | 57.1% |
| FY2022 | −5.9% | −3.2% | 56.1% |
| FY2021 | 1.2% | 4.6% | 56.6% |
| FY2020 | 7.5% | 14.5% | 61.3% |
| FY2019 | 25.7% | 27.0% | 63.1% |
| FY2018 | 20.6% | 23.7% | 58.8% |
| FY2017 | 14.8% | 23.1% | 59.6% |
| FY2016 | 13.1% | 20.6% | 57.3% |
| FY2015 | 11.6% | 19.2% | 54.6% |
| FY2014 | 2.0% | 18.6% | 52.9% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY27 | 17.4% | +5.9 pts | 25.8% | |
| Q1 FY27 | 17.3% | +7.5 pts | 25.6% | |
| Q4 FY26 | 16.4% | +8.3 pts | 24.6% | |
| Q3 FY26 | 14.9% | +6.5 pts | 22.7% | |
| Q2 FY26 | 11.5% | +1.9 pts | 18.5% | |
| Q1 FY26 | 9.8% | +2.1 pts | 16.4% | |
| Q4 FY25 | 8.1% | +2.5 pts | 13.5% | |
| Q3 FY25 | 8.4% | +5.4 pts | 13.8% | |
| Q2 FY25 | 9.6% | +8.2 pts | 15.5% | |
| Q1 FY25 | 7.7% | +8.6 pts | 13.1% | |
| Q4 FY24 | 5.6% | +8.6 pts | 11.8% | |
| Q3 FY24 | 3.0% | +10.1 pts | 9.5% |
Against its peers
Companies in Financial - Credit Services nearest Healthequity's size, closest first, today.
| Company | Profit margin |
|---|---|
| HQYHealthequity | 17.4% |
| ETSYEtsy | 7.3% |
| ZGZillow | 2.0% |
| WEXWEX | 12.6% |
| EXLSExlService | 11.2% |
| OMFOneMain | 15.4% |
| CARTMaplebear | 12.0% |
| CACCCredit Acceptance | 21.5% |
| CSGPCostar | 2.1% |
| AMTMAmentum | 1.4% |
| RELYRemitly Global | 16.9% |
| Peer median | 11.6% |
Where Healthequity ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Healthequity
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.