HealthEquity Inc (HQY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
HealthEquity Inc stock (HQY) is currently trading at $82.47. HealthEquity Inc PE ratio is 33.37. HealthEquity Inc PS ratio (Price-to-Sales) is 5.34. Analyst consensus price target for HQY is $111.62. WallStSmart rates HQY as Moderate Buy.
- HQY PE ratio analysis and historical PE chart
- HQY PS ratio (Price-to-Sales) history and trend
- HQY intrinsic value — DCF, Graham Number, EPV models
- HQY stock price prediction 2025 2026 2027 2028 2029 2030
- HQY fair value vs current price
- HQY insider transactions and insider buying
- Is HQY undervalued or overvalued?
- HealthEquity Inc financial analysis — revenue, earnings, cash flow
- HQY Piotroski F-Score and Altman Z-Score
- HQY analyst price target and Smart Rating
HealthEquity Inc
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HQY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · HealthEquity Inc (HQY)
HQY trades at a significant discount to its Graham intrinsic value of $115.13, offering a 33% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
HealthEquity Inc (HQY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
HealthEquity Inc (HQY) Key Strengths (6)
Growing significantly faster than its price suggests
Earnings per share surging 92.40% year-over-year
108.56% of shares held by major funds and institutions
Strong operational efficiency: $22 kept per $100 revenue
Strong profitability: $16 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
HealthEquity Inc (HQY) Areas to Watch (4)
Premium valuation at 5.3x annual revenue
Premium pricing at 3.3x book value
Modest revenue growth at 7.30%
Moderate profitability with room for improvement
Supporting Valuation Data
HealthEquity Inc (HQY) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 4.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, EPS Growth, Institutional Own.. Valuation metrics including PEG Ratio (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 21.60%, Profit Margin at 16.40%. Growth metrics are encouraging with EPS Growth at 92.40%.
The Bear Case
The primary concerns are Price/Sales, Price/Book, Revenue Growth. Some valuation metrics including Price/Sales (5.34), Price/Book (3.29) suggest expensive pricing. Growth concerns include Revenue Growth at 7.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, EPS Growth) and negatives (Price/Sales, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HQY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HQY's Price-to-Sales ratio of 5.34x trades at a deep discount to its historical average of 15.12x (3th percentile). The current valuation is 85% below its historical high of 35.88x set in Dec 2014, and 4% above its historical low of 5.12x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~6.2x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for HealthEquity Inc (HQY) · HEALTHCARE › HEALTH INFORMATION SERVICES
The Big Picture
HealthEquity Inc is a mature, profitable business with steady cash generation. Revenue reached 1.3B with 7% growth year-over-year. Profit margins of 16.4% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 102M in free cash flow and 118M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor HEALTH INFORMATION SERVICES industry trends, competitive moves, and regulatory changes that could impact HealthEquity Inc.
Bottom Line
HealthEquity Inc is a well-established business delivering consistent profitability with 16.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About HealthEquity Inc(HQY)
NASDAQ
HEALTHCARE
HEALTH INFORMATION SERVICES
USA
HealthEquity, Inc. provides technology-enabled service platforms to consumers and employers in the United States. The company is headquartered in Draper, Utah.