- ISIN
- US42226A1079
- CUSIP
- 42226A107
- Sector
- Healthcare
- Industry
- Health Information Services
- IPO Date
- Jul 31, 2014
Highlights
- Market Cap
- $7.24B
- Enterprise Value
- $7.03B
- EPS (TTM)
- $2.66
- PE Ratio
- 32.06
- PEG Ratio
- 0.23
- Total Revenue (TTM)
- $1.34B
- Gross Profit (TTM)
- $972.12M
- EBITDA (TTM)
- $300.86M
- Year Range
- $72.76 - $113.80
- Target Price
- $109.89
- ROA (TTM)
- 6.98%
- ROE (TTM)
- 11.27%
Share Price Chart
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Performance
HQY Performance Chart
HealthEquity, Inc. (HQY) is down 7.0% since the beginning of the year. At $85 per share, HQY is trading 25.1% below its 52-week high of $114. Investors who bought $1,000 worth of HQY shares 5 years ago would now be looking at an investment worth $1,050.
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Returns By Period
HealthEquity, Inc. (HQY) has returned -6.99% so far this year and -17.88% over the past 12 months. Over the last ten years, HQY has returned 12.32% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
HealthEquity, Inc.
- 1D
- -3.54%
- 1M
- 3.69%
- YTD
- -6.99%
- 6M
- -13.62%
- 1Y
- -17.88%
- 3Y*
- 12.87%
- 5Y*
- 0.99%
- 10Y*
- 12.32%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
HQY Monthly Returns History
Based on dividend-adjusted daily data since Jul 31, 2014, HQY's average daily return is +0.09%, while the average monthly return is +1.85%. At this rate, an investment would double in approximately 3.2 years.
Historically, 55% of months were positive and 45% were negative. The best month was Nov 2020 with a return of +39.2%, while the worst month was Dec 2018 at -32.7%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 3 months.
On a daily basis, HQY closed higher 53% of trading days. The best single day was Nov 9, 2020 with a return of +21.1%, while the worst single day was Dec 7, 2021 at -24.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -6.48% | -10.72% | 9.26% | -1.84% | 7.27% | -3.16% | -6.99% | ||||||
| 2025 | 15.08% | -0.60% | -19.49% | -3.00% | 17.37% | 4.12% | -7.41% | -7.91% | 6.09% | -0.20% | 11.21% | -12.90% | -4.52% |
| 2024 | 14.00% | 9.30% | -1.19% | -3.33% | 3.51% | 5.53% | -8.96% | 1.38% | 2.88% | 4.15% | 19.11% | -5.51% | 44.72% |
| 2023 | -1.28% | 7.10% | -9.91% | -8.96% | 2.53% | 15.22% | 7.60% | -0.57% | 8.14% | -1.88% | -6.50% | -1.07% | 7.56% |
| 2022 | 20.80% | 0.51% | 25.56% | -7.59% | 0.42% | -1.90% | -5.25% | 13.60% | 1.65% | 15.99% | -18.52% | -2.90% | 39.33% |
| 2021 | 19.85% | -1.44% | -17.43% | 11.72% | 9.41% | -3.18% | -8.08% | -13.26% | 0.92% | 2.19% | -17.38% | -19.09% | -36.54% |
Benchmark Metrics
HealthEquity, Inc. has an annualized alpha of 9.67%, beta of 1.08, and R2 of 0.18 versus S&P 500 Index. Calculated based on daily prices since August 01, 2014.
- This stock captured 101.77% of S&P 500 Index gains but only 92.27% of its losses - a favorable profile for investors.
- R2 of 0.18 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 9.67%
- Beta
- 1.08
- R²
- 0.18
- Upside Capture
- 101.77%
- Downside Capture
- 92.27%
Return for Risk
Risk / Return Rank
HQY ranks 22 for risk / return — below 22% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for HealthEquity, Inc. (HQY) and compare them to S&P 500 Index.
| HQY | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.74 | ||
| Sortino ratioReturn per unit of downside risk | -3.56 | ||
| Omega ratioGain probability vs. loss probability | 0.94 | 1.41 | -0.47 |
| Calmar ratioReturn relative to maximum drawdown | -0.51 | 2.93 | -3.44 |
| Martin ratioReturn relative to average drawdown | -0.85 | 13.52 | -14.37 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the HealthEquity, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the HealthEquity, Inc. was 60.65%, occurring on Dec 20, 2021. Recovery took 732 trading sessions.
The current HealthEquity, Inc. drawdown is 25.59%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2021 bear market2021 | -60.65%Dec 2021 | 3y 1mo | 2y 11mo | 6y 12dNov 2018 - Nov 2024 |
2016 bear market2016 | -54.61%Feb 2016 | 2mo 25d | 7mo 6d | 10mo 1dNov 2015 - Sep 2016 |
2026 bear market2026 | -36.07%Feb 2026 | 12mo 4d | — | 1y 3moFeb 2025 - now |
2015 bear market2015 | -26.64%Feb 2015 | 1mo 12d | 1mo 13d | 2mo 25dDec 2014 - Mar 2015 |
2017 bear market2017 | -25.46%Aug 2017 | 2mo 20d | 5mo 20d | 8mo 10dJun 2017 - Feb 2018 |
Drawdown Indicators
| HQY | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.65% | -56.78% | -3.87% |
Max Drawdown (1Y)Largest decline over 1 year | -35.25% | -9.10% | -26.15% |
Max Drawdown (3Y)Largest decline over 3 years | -36.07% | -18.90% | -17.17% |
Max Drawdown (5Y)Largest decline over 5 years | -52.81% | -25.43% | -27.38% |
Max Drawdown (10Y)Largest decline over 10 years | -60.65% | -33.92% | -26.73% |
Current DrawdownCurrent decline from peak | -25.59% | -0.74% | -24.85% |
Average DrawdownAverage peak-to-trough decline | -22.98% | -10.72% | -12.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 21.15% | 1.97% | +19.18% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of HealthEquity, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how HealthEquity, Inc. is priced in the market compared to other companies in the Health Information Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for HQY, comparing it with other companies in the Health Information Services industry. Currently, HQY has a P/E ratio of 32.1. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for HQY compared to other companies in the Health Information Services industry. HQY currently has a PEG ratio of 0.2. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for HQY relative to other companies in the Health Information Services industry. Currently, HQY has a P/S ratio of 5.5. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for HQY in comparison with other companies in the Health Information Services industry. Currently, HQY has a P/B value of 3.5. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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