Stock Fundamentals

Company Information

Company Name
HealthEquity Inc
Sector
Healthcare
Industry
Health Information Services
Exchange
NASDAQ
ISIN: US42226A1079
CIK: 0001428336
CUSIP: 42226A107
Currency: USD
Full Time Employees: 2,814
Phone: 801 727 1000
Fiscal Year End: January
IPO Date: Jul 31, 2014
Description:

HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. In addition, the company offers HSA and FSA members with access to certain healthcare products, programs, and services through its marketplace. It serves clients through a direct sales force; and brokers and advisors, a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.

Address:

15 West Scenic Pointe Drive, Draper, UT, United States, 84020

Directors & Officers

Name Title Year Born
Mr. Scott R. Cutler J.D. CEO, President & Director 1970
Dr. Stephen D. Neeleman M.D. Founder & Vice Chairman 1968
Mr. James M. Lucania CFO & Executive VP 1979
Mr. Delano Ladd J.D. Executive VP, General Counsel & Secretary 1981
Mr. Michael Fiore Executive VP & Chief Commercial Officer 1975
Mr. Richard Putnam Vice President of Investor Relations NA
Ms. Stacey Ullrich Senior Vice President of Corporate Communications NA
Mr. Steve Lindsay Executive Vice President of Sales & Relationship Management NA
Mr. Brad Bennion Executive Vice President of Corporate Development & Strategy NA
Mr. Mukund Ramachandran Chief Marketing Officer NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 19, 2025 Delano Ladd N/A Sale 1.50K $94.72 $142.08K
Dec 18, 2025 Elimelech Rosner N/A Sale 10.96K $95.45 $1.05M
Nov 20, 2025 Delano Ladd N/A Sale 1.50K $104.56 $156.84K
Oct 20, 2025 Delano Ladd N/A Sale 1.50K $92.07 $138.11K
Oct 07, 2025 Michael Henry Fiore N/A Sale 1.78K $88.21 $157.10K
Sep 19, 2025 Delano Ladd N/A Sale 6.00K $94.11 $564.66K
Jul 07, 2025 Michael Henry Fiore N/A Sale 1.79K $101.73 $182.50K
Jun 17, 2025 Lisa C. McClain N/A Sale N/A $100.01 N/A
Jun 16, 2025 Gilbert Ray Cisneros, Jr. N/A Sale N/A $101.08 N/A
Jun 11, 2025 Lisa C. McClain N/A Purchase N/A $104.56 N/A
Jun 06, 2025 Elimelech Rosner N/A Sale 58.00K $112.56 $6.53M
Jun 06, 2025 Jon Kessler N/A Sale 134.18K $112.08 $15.04M
Jun 06, 2025 Jon Kessler N/A Sale 97.77K $112.05 $10.95M

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 10.53M Mar 31, 2026 12.60% $0.02 -6.09%
Vanguard Group Inc 8.67M Dec 31, 2025 10.37% $0.01 -0.89%
Wasatch Advisors LP 7.20M Mar 31, 2026 8.62% $4.00 9.31%
Vanguard Portfolio Management, LLC 4.16M Mar 31, 2026 4.98% $0.02 0.00%
Vanguard Capital Management, LLC 3.82M Mar 31, 2026 4.57% $0.01 0.00%
State Street Corp 3.10M Mar 31, 2026 3.71% $0.01 0.29%
Morgan Stanley - Brokerage Accounts 2.49M Mar 31, 2026 2.97% $0.01 67.28%
Geode Capital Management, LLC 2.26M Mar 31, 2026 2.70% $0.01 2.65%
AQR Capital Management LLC 2.09M Mar 31, 2026 2.50% $0.08 18.72%
William Blair Investment Management, LLC 1.66M Mar 31, 2026 1.99% $0.46 -10.54%
Dimensional Fund Advisors, Inc. 1.63M Mar 31, 2026 1.95% $0.03 2.86%
Brown Advisory Holdings Inc 1.41M Mar 31, 2026 1.69% $0.19 -6.76%
ClearBridge Advisors, LLC 1.31M Mar 31, 2026 1.57% $0.10 -3.60%
Mackenzie Investments 1.28M Mar 31, 2026 1.53% $0.13 9.37%
Greenhouse Funds LLLP 1.26M Mar 31, 2026 1.50% $4.71 16.50%
JPMorgan Chase & Co 1.18M Mar 31, 2026 1.42% $0.01 1.55%
Charles Schwab Investment Management Inc 1.18M Mar 31, 2026 1.41% $0.02 3.76%
Geneva Capital Management 1.17M Mar 31, 2026 1.40% $2.09 4.96%
FMR Inc 1.13M Mar 31, 2026 1.36% $0.01 -44.71%
Northern Trust Corp 1.04M Mar 31, 2026 1.24% $0.01 1.76%

Shares Statistics

Shares Outstanding: 83.60M
Shares Float: 81.96M
% Insiders: 214.60%
% Institutions: 10,708.40%
Short % Float: 6.54%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Mid-Cap ETF 2.90M 3.47% ▲ 0.02% May 29, 2026
2 Vanguard Total Stock Mkt Idx Inv 2.72M 3.26% ▲ 0.26% Apr 30, 2026
3 iShares Russell 2000 ETF 2.02M 2.42% ▲ 0.93% May 29, 2026
4 Vanguard Small Cap Index 1.97M 2.35% ▼ 0.22% Apr 30, 2026
5 Wasatch Core Growth 1.86M 2.23% ▲ 7.28% Mar 31, 2026
6 Eaton Vance Atlanta Capital SMID-Cap I 1.49M 1.78% ▲ 142.05% Apr 30, 2026
7 Vanguard Small Cap Growth Index Inv 1.10M 1.32% ▼ 0.06% Apr 30, 2026
8 Vanguard Institutional Extnd Mkt Idx Tr 964.30K 1.15% ▲ 1.03% Apr 30, 2026
9 Fidelity Small Cap Index 826.28K 0.99% ▼ 1.08% Mar 31, 2026
10 Baron Small Cap Strategy 750.00K 0.90% ▲ 0.00% Mar 31, 2026

Valuation Metrics

Enterprise Value: $8.11B
Trailing P/E: 33.09
Forward P/E: 18.98

Financial Highlights

Market Cap: $7.39B
EBITDA: $501.32M
P/E Ratio: $33.09
PEG Ratio: $1.27
Book Value: $24.40
Earnings/Share: $2.67
Profit Margin: 17.25%
Operating Margin: 29.34%
ROA (TTM): 6.46%
ROE (TTM): 11.06%
Revenue (TTM): $1.34B
Revenue/Share (TTM): $15.63
Earnings Growth (YOY): 34.40%
Revenue Growth (YOY): 7.20%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2026-01-31 3.27x 0.46x 0.39x 5.64x 2.89x
2025-01-31 3.06x 0.50x 0.39x 3.79x 3.16x
2024-01-31 4.76x 0.43x 0.36x 2.31x 3.13x
2023-01-31 2.92x 0.49x 0.39x 0.78x 5.45x
2022-01-31 2.29x 0.51x 0.40x 1.11x 9.16x
2021-01-31 2.25x 0.73x 0.49x 2.29x 6.46x
2020-01-31 1.96x 1.20x 0.60x 4.40x 10.00x
2019-01-31 13.58x 0.00x 0.06x N/A 0.00x
2018-01-31 12.95x 0.00x 0.06x 198.61x 0.00x
2017-01-31 12.79x 0.00x 0.06x N/A 0.00x
2016-01-31 11.82x 0.00x 0.07x N/A 0.00x
2015-01-31 14.12x 0.00x 0.09x 383.48x 0.00x
2014-01-31 2.52x 0.00x 0.38x 261.91x 0.00x
2013-01-31 1.85x 0.00x 0.18x 21.75x 0.00x

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