SuperworthHealthequity HQY
- Market cap
- $8.6B
- PE
- 37.7×
- 10y median 78.2×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 6.3×
- EV/EBIT
- 26.4×
- Revenue, 12 months
- $1.4B
- +7% on a year ago
- Net margin
- 17.4%
- Free cash flow yield
- 5.7%
Healthequity trades at 37.7× trailing earnings, cheaper than 91% of the last ten years. Revenue was $1.4B over the last twelve months, up 7% on a year earlier with a 17% net margin.
Charts
Financials
| Income statement | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $249.2M+15% | $262.4M+12% | $287.6M+18% | $299.9M+23% | $300.4M+21% | $311.8M+19% | $330.8M+15% | $325.8M+9% | $322.2M+7% | $334.6M+7% | $354.6M+7% | $350.7M+8% | |
| Cost of revenue | $90M+1% | $99.1M+0% | $100.5M+5% | $95.9M+4% | $103.4M+15% | $122.8M+24% | $106.5M+6% | $93.2M−3% | $94.1M−9% | $106.4M−13% | $98.3M−8% | $92.8M−1% |
| Gross profit | $159.2M+25% | $163.3M+21% | $187.1M+26% | $204.1M+35% | $197M+24% | $189M+16% | $224.3M+20% | $232.6M+14% | $228.1M+16% | $228.1M+21% | $256.3M+14% | $258M+11% |
| R&D | $55.6M+14% | $55.2M+5% | $56.1M+5% | $58.6M+7% | $60.2M+8% | $64.7M+17% | $61.4M+10% | $64.8M+11% | $65.9M+10% | $70.4M+9% | $67.8M+10% | $73.9M+14% |
| SG&A | $46.8M+11% | $43.7M+4% | $61.7M+36% | $53.8M+15% | $54.4M+16% | $53.1M+21% | $51.5M−17% | $49.9M−7% | $55.3M+2% | $58.5M+10% | $58M+13% | $58.1M+16% |
| $30.9M+457% | $38.9M+194% | $41.6M+80% | $58.9M+138% | $19.6M−37% | $42.1M+8% | $83.1M+100% | $89.6M+52% | $78.7M+301% | $71.1M+69% | $103M+24% | $98.7M+10% | |
| Interest expense | $13.5M+11% | $13.6M−5% | $11.8M−21% | $15.4M+16% | $18.2M+34% | $15.3M+12% | $14.9M+26% | $15M−3% | $14M−23% | $13.3M−13% | $12.6M−15% | $12.6M−16% |
| Pre-tax income | $21.1M | $29.7M+371363% | $33.2M+232% | $46.6M+228% | $6.2M−71% | $30M+1% | $71M+114% | $78M+67% | $67.5M+986% | $60.9M+103% | $92.4M+30% | $87.9M+13% |
| $6.4M | $3.4M+1445% | $4.4M−25% | $10.8M+196% | $515K−92% | $3.6M+7% | $17M+285% | $18.2M+69% | $15.8M+2976% | $11.2M+210% | $23M+35% | $22.2M+22% | |
| Net income | $14.7M | $26.4M | $28.8M+604% | $35.8M+239% | $5.7M−61% | $26.4M+0% | $53.9M+87% | $59.9M+67% | $51.7M+806% | $49.7M+89% | $69.4M+29% | $65.6M+10% |
| $0.17 | $0.30 | $0.33+560% | $0.40+233% | $0.06−65% | $0.30+0% | $0.61+85% | $0.68+70% | $0.59+883% | $0.57+90% | $0.82+34% | $0.78+15% | |
| 87.1M+3% | 87.7M+4% | 88.3M+3% | 88.6M+3% | 88.6M+2% | 89.2M+2% | 88.4M+0% | 87.7M−1% | 87M−2% | 86.5M−3% | 85M−4% | 84M−4% |
Revenue: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Cost of revenue: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Gross profit: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
R&D: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
SG&A: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Operating income: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Interest expense: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Pre-tax income: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Income tax: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
Net income: Q1 FY14 and Q1 FY15: 6 months less the 3 months printed beside them.
EPS, diluted: 8 periods, Q1 FY14 to Q4 FY26: quarter's net income to common over its shares, to the cent.
Diluted shares: Q1 FY14: share-days: the 6-month average less the second quarter's. 9 periods, Q4 FY15 to Q4 FY26: share-days: the 12-month average less the 9-month, weighted by days. 3 periods, Q4 FY20 to Q4 FY23: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest Healthequity's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| HQYHealthequity | $8.6B | 37.7× | 78.2× | 6.3× | +7% | 17.4% | |
| ETSYEtsy | $8B | 53.3× | 50.6× | 2.8× | +4% | 7.3% | |
| ZGZillow | $7.7B | 155× | 154× | 2.7× | +18% | 2.0% | |
| WEXWEX | $6.7B | 19.7× | 42.8× | 2.4× | +7% | 12.6% | |
| EXLSExlService | $6.4B | 26.6× | 34.7× | 2.9× | +14% | 11.2% | |
| OMFOneMain | $6.4B | 8.4× | 9.1× | 1.3× | +8% | 15.4% | |
| CARTMaplebear | $13.1B | 31.0× | 25.9× | 3.3× | +13% | 12.0% | |
| CACCCredit Acceptance | $5.7B | 12.0× | 14.0× | 2.4× | +3% | 21.5% | |
| CSGPCostar | $13.7B | 179× | 91.9× | 3.9× | +22% | 2.1% | |
| AMTMAmentum | $5.3B | 26.2× | 60.6× | 0.4× | +11% | 1.4% | |
| RELYRemitly Global | $5.3B | 17.9× | 55.1× | 2.9× | +24% | 16.9% | |
| Peer median | $6.6B | 26.4× | 46.7× | 2.8× | +12% | 11.6% |
Investors who own it
Investors we follow who held Healthequity at the end of Jun 30, 2026, from their 13F filings.
- Ron BaronBaron Capital0.1% of portfolioadded
More on Healthequity
Each number over time
- PE ratio
- Price to sales ratio
- EV/EBIT
- Price to free cash flow
- Price to book ratio
- Market cap
- Revenue
- EPS
- Free cash flow
- Profit margin
- Shares outstanding
Where it ranks
- #5of 35Credit services stocks cheapest against their own PE history
- #8of 46Credit services stocks with the fastest earnings growth
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .