NAS:HQY (USA) Also trade in: Germany

HealthEquity Inc

$ 68.93 0.48 (0.7%)
Volume: 661,268 Avg Vol (1m): 840,307
Market Cap $: 4.32 Bil Enterprise Value $: 3.96 Bil
P/E (TTM): 58.41 P/B: 9.04
Earnings Power Value 8.91
Net Current Asset Value 5.78
Tangible Book 6.28
Projected FCF 13.06
Median P/S Value 65.59
Graham Number 12.91
Peter Lynch Value 29.5
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 10/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt No Debt
Cash-To-Debt ranked higher than
80.14% of 2180 companies
in the Health Information Services industry.
Industry Max: 52661, Med: 5.23, Min: 0.01
HQY: No Debt
Ranked among companies with meaningful Cash-To-Debt only.
N/A
Equity-to-Asset 0.94
Equity-to-Asset ranked higher than
98.63% of 2115 companies
in the Health Information Services industry.
Industry Max: 1.55, Med: 0.6, Min: -56.05
HQY: 0.94
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: -0.23, Med: 0.93, Max: 0.94
Current: 0.94
-0.23
0.94
Interest Coverage No Debt
Interest Coverage ranked higher than
83.84% of 1702 companies
in the Health Information Services industry.
Industry Max: 14867928, Med: 46.64, Min: 0.01
HQY: No Debt
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 21.75, Med: 10000, Max: 10000
Current: 10000
21.75
10000
Piotroski F-Score 7
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 80.59
DISTRESS
GREY
SAFE
Beneish M-Score -2.78
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 62.57%
WACC 11.04%

Profitability & Growth : 6/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 27.04
Operating Margin ranked higher than
90.90% of 2144 companies
in the Health Information Services industry.
Industry Max: 678.59, Med: 4.91, Min: -510650
HQY: 27.04
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 15.39, Med: 20.62, Max: 27.04
Current: 27.04
15.39
27.04
Net Margin % 25.73
Net Margin ranked higher than
93.19% of 2144 companies
in the Health Information Services industry.
Industry Max: 990.53, Med: 3.58, Min: -307550
HQY: 25.73
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 1.99, Med: 14.79, Max: 25.73
Current: 25.73
1.99
25.73
ROE % 17.51
ROE ranked higher than
76.33% of 2062 companies
in the Health Information Services industry.
Industry Max: 1271.48, Med: 6.36, Min: -234428.57
HQY: 17.51
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 9.56, Med: 15.57, Max: 18.35
Current: 17.51
9.56
18.35
ROA % 16.57
ROA ranked higher than
89.59% of 2199 companies
in the Health Information Services industry.
Industry Max: 3269.23, Med: 2.95, Min: -16416.67
HQY: 16.57
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 4.48, Med: 10.04, Max: 16.81
Current: 16.57
4.48
16.81
ROC (Joel Greenblatt) % 374.25
ROC (Joel Greenblatt) ranked higher than
89.47% of 2165 companies
in the Health Information Services industry.
Industry Max: 85250, Med: 23.63, Min: -99999999.99
HQY: 374.25
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 288.35, Med: 443, Max: 959.53
Current: 374.25
288.35
959.53
3-Year Total Revenue Growth Rate 31.30
3-Year Revenue Growth Rate ranked higher than
87.53% of 1829 companies
in the Health Information Services industry.
Industry Max: 1196.4, Med: 6.3, Min: -100
HQY: 28.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -35.3, Med: 28.5, Max: 29.9
Current: 28.1
-35.3
29.9
3-Year Total EBITDA Growth Rate 40.30
3-Year EBITDA Growth Rate ranked higher than
84.76% of 1588 companies
in the Health Information Services industry.
Industry Max: 1165.1, Med: 9.1, Min: -450.9
HQY: 36.9
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -31.3, Med: 37.15, Max: 38.5
Current: 36.9
-31.3
38.5
3-Year EPS w/o NRI Growth Rate 61.10
3-Year EPS w/o NRI Growth Rate ranked higher than
89.04% of 1432 companies
in the Health Information Services industry.
Industry Max: 719.3, Med: 10.7, Min: -502.1
HQY: 61.1
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 27.1, Max: 61.1
Current: 61.1
0
61.1

» HQY's 30-Y Financials

Financials (Next Earnings Date: 2019-06-04)

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Business Description

Industry Application Software » Health Information Services    NAICS : 519190    SIC : 8099
Compare NYSE:TDOC NAS:CVET HKSE:01833 NAS:MDSO SZSE:300253 NAS:OMCL XTER:COP NAS:PINC NAS:INOV SZSE:300451 ASX:PME HKSE:02666 NAS:NXGN NAS:TRHC NAS:RCM NYSE:EVH XPAR:PHA LSE:CRW LSE:EMIS NAS:HSTM
Traded in other countries 2HE.Germany
Address 15 West Scenic Pointe Drive, Suite 100, Draper, UT, USA, 84020
HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. Its technology allows customers to see their tax-advantaged healthcare savings, compare treatment options and pricing, pay healthcare bills, receive benefit information, and earn wellness incentives. The firm primarily partners with health plans and employers and serves as the custodian of its customers' health savings accounts (HSAs). HealthEquity also engages in reimbursement arrangements and offers healthcare incentives to its members. In addition, the company provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

Ratios

Current vs industry vs history
PE Ratio (TTM) 58.41
PE Ratio ranked lower than
84.34% of 1475 companies
in the Health Information Services industry.
Industry Max: 10600, Med: 24.79, Min: 0.01
HQY: 58.41
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 47.04, Med: 83.87, Max: 234.82
Current: 58.41
47.04
234.82
Forward PE Ratio 53.76
Forward P/E ranked lower than
76.54% of 456 companies
in the Health Information Services industry.
Industry Max: 2500, Med: 26.18, Min: 2.66
HQY: 53.76
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 58.41
PE without NRI ranked lower than
83.80% of 1414 companies
in the Health Information Services industry.
Industry Max: 10600, Med: 24.46, Min: 0.01
HQY: 58.41
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 47.04, Med: 83.87, Max: 234.82
Current: 58.41
47.04
234.82
Price-to-Owner-Earnings 63.65
Price-to-Owner-Earnings ranked lower than
82.08% of 826 companies
in the Health Information Services industry.
Industry Max: 2445, Med: 25.26, Min: 0.08
HQY: 63.65
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 51.26, Med: 75.86, Max: 114.07
Current: 63.65
51.26
114.07
PB Ratio 9.04
PB Ratio ranked lower than
85.10% of 2262 companies
in the Health Information Services industry.
Industry Max: 5500, Med: 2.93, Min: 0.01
HQY: 9.04
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 4.5, Med: 9.21, Max: 13.97
Current: 9.04
4.5
13.97
PS Ratio 15.15
PS Ratio ranked lower than
92.06% of 2268 companies
in the Health Information Services industry.
Industry Max: 285714.29, Med: 2.86, Min: 0
HQY: 15.15
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 7.37, Med: 14.42, Max: 23.54
Current: 15.15
7.37
23.54
Price-to-Free-Cash-Flow 44.25
Price-to-Free-Cash-Flow ranked lower than
73.27% of 924 companies
in the Health Information Services industry.
Industry Max: 2237.2, Med: 28.2, Min: 0.08
HQY: 44.25
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 35.63, Med: 76.45, Max: 243.85
Current: 44.25
35.63
243.85
Price-to-Operating-Cash-Flow 38.41
Price-to-Operating-Cash-Flow ranked lower than
75.28% of 1181 companies
in the Health Information Services industry.
Industry Max: 6271.25, Med: 20.26, Min: 0.04
HQY: 38.41
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 30.92, Med: 53.7, Max: 114.49
Current: 38.41
30.92
114.49
EV-to-EBIT 51.01
EV-to-EBIT ranked lower than
83.93% of 1537 companies
in the Health Information Services industry.
Industry Max: 119475.88, Med: 18.1, Min: 0.05
HQY: 51.01
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 31.4, Med: 59.45, Max: 92.3
Current: 51.01
31.4
92.3
EV-to-EBITDA 41.33
EV-to-EBITDA ranked lower than
84.23% of 1661 companies
in the Health Information Services industry.
Industry Max: 64649.64, Med: 14.06, Min: 0.01
HQY: 41.33
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 23.6, Med: 45.4, Max: 71.5
Current: 41.33
23.6
71.5
EV-to-Revenue 13.80
EV-to-Revenue ranked lower than
90.16% of 2327 companies
in the Health Information Services industry.
Industry Max: 295554.27, Med: 2.52, Min: 0.01
HQY: 13.8
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 6.5, Med: 13.7, Max: 22.7
Current: 13.8
6.5
22.7
PEG Ratio 96.67
PEG Ratio ranked lower than
79.38% of 650 companies
in the Health Information Services industry.
Industry Max: 288.5, Med: 1.89, Min: 0.02
HQY: 96.67
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 1.42, Med: 1.89, Max: 96.67
Current: 96.67
1.42
96.67
Current Ratio 13.58
Current Ratio ranked higher than
98.12% of 2075 companies
in the Health Information Services industry.
Industry Max: 672.73, Med: 1.93, Min: 0.01
HQY: 13.58
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 2.52, Med: 12.87, Max: 14.12
Current: 13.58
2.52
14.12
Quick Ratio 13.58
Quick Ratio ranked higher than
98.22% of 2075 companies
in the Health Information Services industry.
Industry Max: 672.73, Med: 1.78, Min: 0.01
HQY: 13.58
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 2.48, Med: 12.85, Max: 14.05
Current: 13.58
2.48
14.05
Days Inventory 0.46
Days Inventory ranked higher than
92.28% of 1270 companies
in the Health Information Services industry.
Industry Max: 73152.82, Med: 16.77, Min: 0.01
HQY: 0.46
Ranked among companies with meaningful Days Inventory only.
Days Inventory range over the past 10 years
Min: 0.46, Med: 3.07, Max: 4.65
Current: 0.46
0.46
4.65
Days Sales Outstanding 32.62
Days Sales Outstanding ranked higher than
85.98% of 2082 companies
in the Health Information Services industry.
Industry Max: 989.79, Med: 66.86, Min: 0.02
HQY: 32.62
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 32.62, Med: 34.57, Max: 41.19
Current: 32.62
32.62
41.19
Days Payable 12.12
Days Payable ranked lower than
92.57% of 1870 companies
in the Health Information Services industry.
Industry Max: 2567.37, Med: 44.89, Min: 0.02
HQY: 12.12
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 9.34, Med: 14.23, Max: 29.59
Current: 12.12
9.34
29.59

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -3.20
3-Year Share Buyback Rate ranked lower than
51.43% of 1507 companies
in the Health Information Services industry.
Industry Max: 100, Med: -3.3, Min: -1487.4
HQY: -3.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -8, Med: -4.9, Max: -3.2
Current: -3.2
-8
-3.2

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 10.98
Price-to-Tangible-Book ranked lower than
77.15% of 2013 companies
in the Health Information Services industry.
Industry Max: 5500, Med: 4.54, Min: 0.01
HQY: 10.98
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 9.43, Med: 10.08, Max: 14.32
Current: 10.98
9.43
14.32
Price-to-Projected-FCF 5.28
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
100.00% of 907 companies
in the Health Information Services industry.
Industry Max: 650.5, Med: 2.08, Min: 0.01
HQY: 5.28
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 4.77, Med: 4.77, Max: 5.35
Current: 5.28
4.77
5.35
Price-to-Median-PS-Value 1.05
Price-to-Median-PS-Value ranked lower than
65.42% of 2062 companies
in the Health Information Services industry.
Industry Max: 78, Med: 1, Min: 0.02
HQY: 1.05
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.69, Med: 0.95, Max: 1.08
Current: 1.05
0.69
1.08
Price-to-Peter-Lynch-Fair-Value 2.34
Price-to-Peter-Lynch-Fair-Value ranked lower than
74.39% of 449 companies
in the Health Information Services industry.
Industry Max: 169, Med: 1.62, Min: 0.01
HQY: 2.34
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 2.11, Med: 2.11, Max: 2.37
Current: 2.34
2.11
2.37
Price-to-Graham-Number 5.34
Price-to-Graham-Number ranked lower than
85.04% of 1170 companies
in the Health Information Services industry.
Industry Max: 84.5, Med: 2.19, Min: 0.01
HQY: 5.34
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 4.88, Med: 5.91, Max: 8.19
Current: 5.34
4.88
8.19
Earnings Yield (Joel Greenblatt) % 1.94
Earnings Yield (Greenblatt) ranked lower than
53.25% of 2413 companies
in the Health Information Services industry.
Industry Max: 2103.44, Med: 2.07, Min: -5000
HQY: 1.94
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 1.1, Med: 1.7, Max: 3.2
Current: 1.94
1.1
3.2
Forward Rate of Return (Yacktman) % 20.76
Forward Rate of Return ranked higher than
83.49% of 939 companies
in the Health Information Services industry.
Industry Max: 34548.51, Med: 10.12, Min: -301.2
HQY: 20.76
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 20.5, Med: 20.7, Max: 20.9
Current: 20.76
20.5
20.9

More Statistics

Revenue (TTM) (Mil) $ 287.24
EPS (TTM) $ 1.18
Beta 1.44
Volatility % 55.82
52-Week Range $ 50.29 - 101.58
Shares Outstanding (Mil) 62.72

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 7
Positive ROA Y
Positive CFROA Y
Higher ROA yoy Y
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy Y
Less Shares Outstanding yoy N
Higher Gross Margin yoy Y
Higher Asset Turnover yoy N