HealthEquity, Inc.

HealthEquity Inc's next confirmed earnings release is scheduled for December 8, 2026.

As of July 31, 2026, HealthEquity Inc has 82.91M shares outstanding.

As of July 31, 2026, HealthEquity Inc maintains a current ratio of 2.99, meaning it holds 3.0x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 48.79, indicating elevated leverage, while an interest coverage ratio of 9.69 demonstrates adequate ability to service its debt obligations.

Over the twelve months ended July 31, 2026, HealthEquity Inc posted a return on equity (ROE) of 11.43, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 8.74 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 7.07, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 8.98, useful for judging operating efficiency across full business cycles. The company generates approximately 8.17M in revenue per employee across its workforce of 2,890.50, a quick read on workforce productivity versus industry peers.

Over the twelve months ended July 31, 2026, HealthEquity Inc recorded 1.25B in income tax expense. That works out to an effective tax rate of 23.39, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 5.35B, leaving 4.10B in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Over the twelve months ended July 31, 2026, HealthEquity Inc generated 23.60B in revenue and converted that into 4.10B in net income, yielding earnings per share of 47.89. EBITDA reached 8.82B, while operating income came in at 6.17B.

As of July 31, 2026, HealthEquity Inc holds 4.44B in cash and equivalents against 16.83B in total debt, resulting in a net debt position of 11.70B. Total book value stands at 34.48B, with working capital of 5.31B providing operational flexibility.

HealthEquity Inc produced 8.49B in operating cash flow over the twelve months ended July 31, 2026. After subtracting -927.29M in capital expenditures, free cash flow totaled 7.57B - equivalent to 89.25 per share.

Over the twelve months ended July 31, 2026, HealthEquity Inc posted a gross margin of 71.25, reflecting its pricing power and cost economics. The operating margin of 26.13 and net profit margin of 17.36 provide insight into operational efficiency.