Saturday 17 October 2026 Export HQY’s income statement to Excel — free account

HealthEquity, Inc.

HQY Healthcare Health Information Services

HealthEquity, Inc.’s revenue for fiscal 2026 (year ended January 2026) was $1.3 billion, up 9.47% from fiscal 2025. In the quarter to July 2026, revenue grew 7.64%, EPS grew 14.5%, free cash flow fell 3.44% and total debt fell 7.53%, each against the same quarter a year earlier. Revenue growth for ten consecutive years, operating cash flow growth for three.

92.03 0.48 −0.52%

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Market cap: $7.7B
P/E: 33.0×
Fwd P/E: 30.2×
Dividend yield: —
F-score: 9/9
Altman Z: 4.39
Beneish M: −2.77
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Jul '26	Apr '26	Jan '26	Oct '25	Older periods
P/E ratio Full definition →	36.06	30.49	34.97	42.80	+8 more quarters Free account
P/S ratio Full definition →	6.16	5.18	5.71	6.30
P/FCF ratio Full definition →	19.21	15.70	18.37	22.43
P/Operating CF Full definition →	61.61	71.00	63.60	58.69
P/B ratio Full definition →	4.22	3.38	3.56	3.81
Price to Tangible BV Full definition →	0.00	0.00	0.00	0.00
EV/Sales Full definition →	6.67	5.70	6.21	6.84
EV/EBITDA Full definition →	17.81	15.32	17.06	19.62
EV/Operating CF Full definition →	18.53	15.55	17.84	21.27
EV/FCF Full definition →	20.80	17.28	19.97	24.33
Quick Ratio Full definition →	2.46	2.85	2.82	3.49
Current Ratio Full definition →	2.99	3.44	3.27	4.13
Net Debt/EBITDA Full definition →	4.79	4.80	5.80	5.71
Debt/Assets Full definition →	28.46%	28.51%	28.32%	28.90%
Debt/Equity Full definition →	0.47	0.46	0.45	0.46
Asset Turnover Full definition →	0.41	0.40	0.38	0.37
Operating CF/Net income Full definition →	2.07	1.40	2.37	2.68
Capex/Depreciation Full definition →	(0.37)	(0.43)	(0.26)	(0.29)
Interest Coverage Full definition →	7.83	8.18	5.36	5.60
Research and Development Expense of Revenue Full definition →	21.08%	19.11%	21.03%	20.46%
Selling, General and Administrative Expense of Revenue Full definition →	16.56%	16.34%	17.47%	17.16%
Intangible Assets out of Total Assets Full definition →	0.82	0.82	0.81	0.82
Share Based Compensation of Revenue Full definition →	6.33%	5.47%	5.71%	6.38%
Graham Net Nets Full definition →	(0.10)	(0.11)	(0.10)	(0.09)
Graham Number Full definition →	38.71	38.31	37.02	35.13
Earnings Yield Full definition →	2.77%	3.28%	2.86%	2.34%
Free Cash Flow Yield Full definition →	5.21%	6.37%	5.44%	4.46%
Revenue per Share Full definition →	4.21	4.20	3.88	3.75
Operating CF per Share Full definition →	1.63	1.16	1.37	1.61
Capex per Share Full definition →	(0.19)	(0.19)	(0.12)	(0.13)
Free Cash Flow per Share Full definition →	1.44	0.96	1.25	1.48
Cash per Share Full definition →	3.07	3.14	3.70	3.60
Shareholders Equity per Share Full definition →	23.87	24.25	24.46	24.82
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00
Book value per Share Full definition →	23.87	24.25	24.46	24.82
Free Cash Flow Full definition →	120.39	81.23	107.84	127.19
Working Capital Full definition →	306.43	330.79	355.43	378.08
Capital Expenditures Full definition →	(15.77)	(16.29)	(10.07)	(11.38)
Net Current Asset Value Full definition →	(821.05)	(792.26)	(760.85)	(765.33)
EV/EBIT Full definition →	25.84	22.26	25.29	30.06
Capex to Sales Full definition →	0.05	0.05	0.03	0.04
Price to Operating Income Full definition →	23.87	20.23	23.26	27.71
Other line items
Average Receivables Full definition →	116.68	119.13	120.85	108.98
Average Payables Full definition →	9.10	13.86	13.26	14.95
Average Assets Full definition →	3,344.02	3,361.23	3,414.44	3,443.20
Average Common Equity Full definition →	2,068.27	2,085.60	2,111.05	2,129.36

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