1. United States of America Stocks

  2. •

    Healthcare

  3. •

    Medical - Healthcare Information Services
HealthEquity, Inc.

HealthEquity, Inc.

HQY
HealthEquity, Inc.US flagNASDAQ Global Select
85.21
USD
-3.13
- -
7.12BMarket Cap

Income Statement (USD)

APIChat
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
Sales/Revenue/Turnover
46
62
88
127
178
230
287
532
734
757
862
1,000
1,200
1,313
+ Sales & Services Revenue
46
62
88
127
178
230
287
532
734
757
862
1,000
1,200
1,313
- Cost of Revenue
22
29
40
54
72
95
106
206
318
332
370
377
423
400
+ Cost of Goods & Services
22
29
40
54
72
95
106
206
318
332
370
377
423
400
Gross Profit
24
33
48
73
106
135
181
326
415
425
492
623
777
913
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
17
21
31
46
65
80
104
217
335
384
454
495
574
586
+ Selling, General & Admin
11
12
19
27
38
48
63
105
134
144
166
183
223
215
+ Research & Development
4
7
11
17
22
27
35
78
125
157
193
219
240
263
+ Other Operating Expense
2
2
2
2
4
5
6
35
76
83
95
93
112
108
Operating Income (Loss)
7
12
17
26
41
54
78
109
80
41
38
128
203
327
- Non-Operating (Income) Loss
1
6
1
1
1
2
2
66
76
107
76
53
87
50
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
-2
19
34
35
47
43
47
45
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
25
35
37
48
55
61
57
- Interest Income
- -
- -
- -
- -
- -
- -
2
6
1
2
2
12
14
12
+ Other Non-Op (Income) Loss
- -
6
1
1
1
2
4
47
42
72
29
10
40
5
Pretax Income
7
5
16
26
40
52
76
43
4
-67
-38
75
116
277
- Income Tax Expense (Benefit)
-5
4
6
9
14
5
2
3
-5
-22
-12
19
19
62
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
11
1
10
17
26
47
74
40
9
-44
-26
56
97
215
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
11
1
10
17
26
47
74
40
9
-44
-26
56
97
215
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
11
1
10
17
26
47
74
40
9
-44
-26
56
97
215
- Preferred Dividends
3
3
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
9
-1
9
17
26
47
74
40
9
-44
-26
56
97
215
EBIT
7
12
17
26
41
54
78
109
80
41
38
128
203
327
EBITDA
10
16
23
35
54
70
96
164
196
178
199
281
365
482
EBITDA Margin (%)
22.69
25.47
25.91
27.4
30.5
30.66
33.37
30.92
26.71
23.5
23.08
28.13
30.45
36.71
EBITA
7
12
17
26
41
54
78
109
80
41
38
128
203
327
Gross Margin (%)
52.33
52.89
54.6
57.26
59.63
58.78
63.08
61.26
56.62
56.14
57.09
62.29
64.78
69.52
Operating Margin (%)
15.39
18.58
19.21
20.62
23.1
23.71
27.04
20.51
10.91
5.36
4.37
12.82
16.91
24.93
Profit Margin (%)
24.23
1.99
11.57
13.1
14.79
20.63
25.73
7.46
1.2
-5.85
-3.03
5.57
8.06
16.38
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
0.12
1.61
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
4
6
9
13
16
18
55
116
137
161
153
162
155
Basic Weighted Avg Shares
8
6
31
57
59
60
62
67
74
83
84
86
87
86
Basic EPS, GAAP
1.11
-0.24
0.28
0.29
0.45
0.79
1.2
0.59
0.12
-0.53
-0.31
0.65
1.11
2.5
Basic EPS from Cont Ops
1.44
0.22
0.33
0.29
0.45
0.79
1.2
0.59
0.12
-0.53
-0.31
0.65
1.11
2.5
Diluted Weighted Avg Shares
46
6
52
59
60
62
63
68
76
83
84
87
89
87
Diluted EPS, GAAP
0.19
-0.24
0.17
0.28
0.44
0.77
1.17
0.58
0.12
-0.53
-0.31
0.64
1.09
2.46
Diluted EPS from Cont Ops
0.24
0.22
0.2
0.28
0.44
0.77
1.17
0.58
0.12
-0.53
-0.31
0.64
1.09
2.46

Balance Sheet (USD)

APIChat
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
Total Current Assets
- -
24
125
143
201
265
395
297
460
351
383
557
478
512
+ Cash, Cash Equivalents & STI
- -
14
111
124
180
240
361
192
329
225
254
404
296
319
+ Cash & Cash Equivalents
- -
14
111
84
140
199
361
192
329
225
254
404
296
319
+ ST Investments
- -
- -
- -
40
40
41
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
6
9
14
17
22
26
71
73
87
97
105
118
124
+ Accounts Receivable, Net
- -
6
9
14
17
22
26
71
73
87
97
105
118
124
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventories
- -
- -
1
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
1
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
4
4
4
3
3
8
35
59
38
32
49
64
70
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
31
34
77
78
104
115
2,268
2,250
2,756
2,706
2,606
2,971
2,868
+ Property, Plant & Equip, Net
- -
2
3
4
5
8
8
117
119
87
69
54
46
39
+ Property, Plant & Equip
- -
4
6
8
11
15
17
132
150
123
111
95
83
77
- Accumulated Depreciation
- -
3
3
5
6
7
9
16
31
36
42
41
37
37
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
29
31
73
73
96
107
2,151
2,132
2,669
2,637
2,552
2,924
2,829
+ Total Intangible Assets
- -
29
31
71
70
88
84
2,116
2,094
2,619
2,585
2,484
2,853
2,745
+ Goodwill
- -
5
5
5
5
5
5
1,333
1,327
1,646
1,648
1,648
1,648
1,648
+ Other Intangible Assets
- -
25
27
67
65
84
80
783
767
973
936
836
1,205
1,097
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
- -
- -
2
3
8
23
35
37
50
52
68
72
83
Total Assets
- -
55
159
220
279
369
510
2,565
2,710
3,107
3,089
3,164
3,449
3,380
+ Payables & Accruals
- -
5
4
4
7
8
12
50
77
85
58
58
77
87
+ Accounts Payable
- -
2
1
2
3
2
4
4
2
28
14
12
14
12
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
3
2
2
4
6
9
46
76
58
44
46
63
74
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
51
77
21
28
9
10
10
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
39
62
9
18
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
12
14
12
10
9
10
10
+ Other ST Liabilities
- -
4
5
8
9
13
17
50
51
47
46
50
69
60
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
4
5
8
9
13
17
50
51
47
46
50
69
60
Total Current Liabilities
- -
9
9
12
16
20
29
152
205
153
131
117
156
157
+ LT Debt
- -
- -
- -
- -
- -
- -
- -
1,250
998
987
967
924
1,099
992
+ LT Borrowings
- -
- -
- -
- -
- -
- -
- -
1,182
924
922
908
875
1,056
957
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
68
74
65
59
49
42
34
+ Other LT Liabilities
- -
12
6
4
1
2
4
133
129
114
95
88
79
125
+ Accrued Liabilities
- -
5
6
4
- -
- -
1
130
120
100
83
69
56
94
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
6
- -
- -
1
2
3
3
9
14
13
19
23
31
Total Noncurrent Liabilities
- -
12
6
4
1
2
4
1,383
1,127
1,101
1,062
1,012
1,177
1,116
Total Liabilities
- -
21
15
16
17
23
33
1,535
1,332
1,255
1,193
1,129
1,334
1,273
+ Preferred Equity and Hybrid Capital
- -
55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
- -
157
200
232
261
305
819
1,158
1,677
1,746
1,829
1,906
1,917
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
- -
157
200
232
261
305
819
1,158
1,677
1,746
1,829
1,906
1,917
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
- -
-23
-13
4
30
85
172
212
220
176
150
206
209
196
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-6
Equity Before Minority Interest
- -
34
144
203
262
346
477
1,030
1,379
1,853
1,896
2,035
2,115
2,107
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
- -
34
144
203
262
346
477
1,030
1,379
1,853
1,896
2,035
2,115
2,107
Total Liabilities & Equity
- -
55
159
220
279
369
510
2,565
2,710
3,107
3,089
3,164
3,449
3,380
Shares Outstanding
- -
50
55
58
60
61
62
71
77
84
85
86
87
85
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
80
88
77
69
58
52
44
Net Debt
- -
-14
-111
-84
-140
-199
-361
1,029
658
705
671
471
760
638
Net Debt to Equity
- -
-40.92
-77.04
-41.11
-53.43
-57.61
-75.77
99.87
47.72
38.08
35.4
23.14
35.95
30.3
Tangible Common Equity Ratio
- -
-194.88
88.5
88.98
91.79
91.85
92.26
-241.75
-116.11
-157.01
-136.57
-66.07
-123.86
-100.49
Current Ratio
- -
2.52
14.12
11.82
12.79
12.95
13.58
1.96
2.25
2.29
2.92
4.76
3.06
3.27
Cash Conversion Cycle
- -
4.63
18.61
25.24
20.78
21.33
20.16
26.47
32.52
22.61
18.57
24.27
22.5
21.49

Cash Flow Statement (USD)

APIChat
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
+ Net Income
11
1
10
17
26
47
74
40
9
-44
-26
56
97
215
+ Depreciation & Amortization
3
4
6
9
13
16
18
55
116
137
161
153
162
155
+ Non-Cash Items
-5
10
5
4
6
19
22
19
45
46
49
67
87
114
+ Stock-Based Compensation
- -
- -
3
6
8
14
21
40
43
53
63
77
96
73
+ Deferred Income Taxes
-5
4
2
-2
-3
4
- -
4
-5
-23
-17
-14
-13
40
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
11
- -
- -
- -
- -
+ Other Non-Cash Adj
- -
6
1
- -
- -
- -
1
-24
7
6
4
4
4
1
+ Chg in Non-Cash Work Cap
2
3
-6
-2
- -
-1
-1
-9
12
2
-33
-33
-7
-27
+ (Inc) Dec in Accts Receiv
1
-2
-3
-5
-3
-5
-4
-4
- -
-11
-10
-8
-13
-6
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
-2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
1
2
-2
1
2
- -
4
2
30
-2
-27
- -
9
2
+ Inc (Dec) in Other
- -
2
1
2
1
4
-1
-7
-18
15
3
-25
-2
-23
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
12
18
15
27
46
82
113
105
182
141
151
243
340
457
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-3
-5
-8
-50
-13
-33
-15
-42
-97
-137
-119
-46
-505
-49
+ Acq of Fixed Prod Assets
-1
-2
-2
-2
-4
-5
-4
-7
-13
-9
-3
-2
-2
-2
+ Acq of Intangible Assets
-2
-4
-6
-47
-9
-28
-11
-35
-84
-128
-116
-44
-503
-47
+ Cash (Repurchase) of Equity
- -
- -
133
23
- -
- -
- -
458
287
457
- -
- -
-121
-299
+ Increase in Capital Stock
- -
- -
133
23
- -
- -
- -
458
287
457
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-121
-299
+ Net Change in LT Investment
- -
- -
- -
-41
- -
- -
41
-54
- -
2
- -
- -
- -
2
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
41
- -
- -
2
- -
- -
- -
2
+ Inc in LT Investment
- -
- -
- -
-41
- -
- -
-1
-54
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
-3
- -
-1,645
- -
-505
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
-3
- -
-1,645
- -
-505
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-4
-5
-8
-91
-13
-37
26
-1,740
-97
-639
-119
-46
-505
-47
+ Dividends Paid
- -
-1
-50
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
-8
-2
- -
- -
- -
- -
- -
1,242
-239
-53
-9
-54
175
-100
+ Cash From Debt
- -
- -
- -
- -
- -
- -
- -
1,250
- -
950
- -
- -
737
- -
+ Repayments of Debt
-8
-2
- -
- -
- -
- -
- -
-8
-239
-1,003
-9
-54
-562
-100
+ Other Financing Activities
- -
-3
8
13
24
15
23
-235
5
-9
6
7
4
12
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
-7
-5
90
37
24
15
23
1,466
52
395
-3
-47
58
-387
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
1
8
97
-27
56
60
162
-170
137
-103
29
150
-108
23
EBITDA
10
16
23
35
54
70
96
164
196
178
199
281
365
482
EBITDA Margin (%)
22.69
25.47
25.91
27.4
30.5
30.66
33.37
30.92
26.71
23.5
23.08
28.13
30.45
36.71
Free Cash Flow
9
13
7
-23
33
48
98
63
85
4
32
197
-166
408
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
3
- -
1,645
- -
505
- -
- -
- -
- -
Free Cash Flow to Firm
- -
13
7
-23
33
49
99
86
- -
- -
- -
238
-115
453
Free Cash Flow to Equity
- -
66
-43
24
42
76
110
1,340
-71
79
139
187
513
355
Free Cash Flow per Basic Share
1.16
2.23
0.22
-0.41
0.56
0.8
1.59
0.94
1.14
0.05
0.37
2.3
-1.91
4.74
Price/Free Cash Flow
- -
- -
46.47
16.62
47.54
27.21
30.75
30.74
22.7
15.98
19.05
22.75
11.6
14.81
Cash Flow to Net Income
1.05
14.61
1.48
1.6
1.73
1.73
1.53
2.65
20.56
-3.18
-5.76
4.36
3.51
2.12
Capital Expenditures
-3
-5
-8
-50
-13
-33
-15
-42
-97
-137
-119
-46
-505
-49