HealthEquity, Inc.

As of July 31, 2026, HealthEquity Inc carries a market capitalization of 7.21B, placing it among publicly traded companies globally. Its enterprise value stands at 7.83B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

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 trades at a trailing price-to-earnings ratio of 35.97. The price-to-sales ratio is 6.24, and the price-to-book ratio stands at 4.18.

As of July 31, 2026, HealthEquity Inc trades at an EV/EBITDA multiple of 17.74 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 6.63 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 25.70 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. HealthEquity Inc trades at an EV/FCF ratio of 18.94, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 7.83B versus a market cap of 7.21B, with the gap driven by net debt and cash on the balance sheet.

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 408,660.46 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 62.62M 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 267.71M, leaving 205.09M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, HealthEquity Inc's stock has gained approximately 9.15% over the past 52 weeks. The 50-day moving average sits at 83.12, while the 200-day moving average is 76.12.

Over the twelve months ended July 31, 2026, HealthEquity Inc generated 1.18B in revenue and converted that into 205.09M in net income, yielding earnings per share of 2.40. EBITDA reached 441.44M, while operating income came in at 308.70M.

As of July 31, 2026, HealthEquity Inc holds 222.01M in cash and equivalents against 842.07M in total debt, resulting in a net debt position of 585.41M. Total book value stands at 1.73B, with working capital of 265.74M providing operational flexibility.

HealthEquity Inc produced 425.08M in operating cash flow over the twelve months ended July 31, 2026. After subtracting -46.41M in capital expenditures, free cash flow totaled 378.67M - equivalent to 4.47 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.

These figures cover the twelve months ended July 31, 2026. Free cash flow yield stands at 5.09, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 5.76, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to HealthEquity Inc shareholders.

As of July 31, 2026, HealthEquity Inc has an Altman Z-Score of 9.34, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.