HQY (HealthEquity) Long-Term Debt: $931 Mil (As of Jul. 2026)

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HQY HealthEquity Inc HQY
96 GF Score
Price $92.18
GF Value $106.91
Valuation Modestly Undervalued
! 3 Warning Signs
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What is HealthEquity Long-Term Debt?

HealthEquity HQY -2.48% 96 Long-Term Debt is $931 Mil as of Jul. 2026. GuruFocus rates HQY with a GF Score™ of 96/100 and a GF Value™ of $106.91 (Modestly Undervalued). The stock has 3 warning signs investors should review.

HealthEquity's Long-Term Debt for the quarter that ended in Jul. 2026 was $931 Mil.

HealthEquity's quarterly Long-Term Debt declined from Jan. 2026 ($957 Mil) to Apr. 2026 ($943 Mil) and declined from Apr. 2026 ($943 Mil) to Jul. 2026 ($931 Mil).

HealthEquity's annual Long-Term Debt increased from Jan. 2024 ($875 Mil) to Jan. 2025 ($1,056 Mil) but then declined from Jan. 2025 ($1,056 Mil) to Jan. 2026 ($957 Mil).

HealthEquity  (NAS:HQY) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

HealthEquity Long-Term Debt Related Terms

HealthEquity Long-Term Debt Historical Data

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The historical data trend for HealthEquity's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

HealthEquity Long-Term Debt Chart

HealthEquity Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 922.08 907.84 874.97 1,056.30 957.38

HealthEquity Quarterly Data
Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26 Jul26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,006.83 982.11 957.38 942.66 931.06
HQY
96GF Score
HealthEquity Inc HQY
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $931 Mil mean?
HealthEquity (HQY) has a Long-Term Debt of $931 Mil as of Jul. 2026.
Is HealthEquity's Long-Term Debt too high?
HealthEquity's current Long-Term Debt is $931 Mil. Overall, HealthEquity has a GF Score™ of 96/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HealthEquity's Long-Term Debt compare to TXG and HNGE?
HealthEquity's Long-Term Debt of $931 Mil can be compared against companies in the Healthcare Providers & Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Healthcare Providers & Services company?
A good Long-Term Debt depends on the Healthcare Providers & Services industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. HealthEquity's current Long-Term Debt is $931 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HealthEquity stock overvalued right now?
Based on GuruFocus' analysis, HealthEquity (HQY) is currently considered Modestly Undervalued. The stock's GF Value™ is $106.91, compared to a current price of $92.18 — trading 13.8% below its estimated fair value. The current Long-Term Debt is $931 Mil. HealthEquity's overall GF Score™ is 96/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For HealthEquity (HQY), the current Long-Term Debt is $931 Mil as of Jul. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is HealthEquity (HQY) Overvalued in 2026?

Based on GuruFocus' analysis, HealthEquity stock appears to be undervalued. The current stock price of $92.18 is trading 13.8% below its estimated GF Value™ of $106.91. GuruFocus considers HealthEquity to be Modestly Undervalued.

Key valuation signals for HQY:

  • Long-Term Debt: $931 Mil
  • GF Value™: $106.91 vs. price of $92.18 (13.8% below fair value)
  • GF Score™: 96/100 with 3 warning signs

No single metric tells the full story. See the HQY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HealthEquity Business Description

Other Exchanges 2HE:Germany
Address 15 West Scenic Pointe Drive, Suite 100, Draper, UT, USA, 84020
HealthEquity Inc. is a U.S.-based administrator of tax-advantaged consumer-directed benefits, best known as the largest independent custodian of health savings accounts (HSAs). The company partners with employers, health plans, and financial institutions to offer HSAs along with flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), commuter and lifestyle spending accounts, and COBRA administration. It also provides investment advisory services for members whose HSA balances exceed certain thresholds, allowing them to invest in mutual funds. Revenue comes primarily from account service fees, custodial and investment fees, and interchange or payment processing fees tied to its healthcare payment cards. HealthEquity serves employers of varying sizes, health insurance carriers, and individual account holders across the United States, and it has expanded through acquisitions such as WageWorks and Further. Its operations are concentrated in the U.S. market.
96GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$92.18
Price
$106.91
GF Value