HealthEquity (HQY) stock

Health savings accounts , market cap $8.6B

Health savings accounts

Worth $8.6B

$103.54

+1.40%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Above Average

In its industry

#11of 66

Business Services

Checks firing

6of 14

Trending up

From 52-week high

-6.1%

under its best in a year

HQY's Quality Score was unchanged on Tue, Nov 10, at 14.

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Key facts on HQY

Key facts on HQY
The company	Profit up 62% to $236M
Latest filing	8-K, Oct 9 Reported a change of officers or directors

1 more reason behind HQY's 14, free with an account →2 more reasons behind HQY's 14, for Pro members.

HQY catalysts

Coming up

After its last 4 reports it closed -4.0% on average, higher 1 of 4 times.

41 past catalysts since 2020, with sizes and sources, for Pro members.

Why HQY scores 14

Above Averagefor quality, not price, 6 of 14 chart checks firingWhat the Quality Score means

+6Chart checks 6 of 14 firing right now, one point each
+3Long-term trend above a rising 200-⁠day average, near its 52-⁠week high

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Persistence adds

No effect today: Run-up, Size, Dilution, Volatility, Cash flow, News, and Insider trades.

What every line is worth, and the reason behind it, on HQY and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:29 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

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How HQY ranks in Business Services

HQY is #11 of 66 by Quality Score.

How HQY ranks in Business Services
Rank	Stock	Checks	Quality Score
1	FLYWFlywire Corporation Voting	8/14	22
2	CPAYCorpay	7/14	19
3	SEZLSezzle	5/14	19
	GPNGlobal Payments		Open for its score
	GRABGrab		Open for its score
	KSPIJoint Stock Company Kaspi.kz		Open for its score
	LQDTLiquidity Services		Open for its score
11	HQYHealthEquity	6/14	14

Sales over four quarters against a year before: HQY +7.3%, FIS +24%, WEX +9.7%.

When does HQY report earnings, and what happens after?

Reports Tue Dec 1, after the close (in 21 days). Confirmed.

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What HQY reported on Aug 27, 2026

The quarter

The figures are not read from the release yet.

The filing on EDGAR

Where the sales came from

HQY's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
Fiscal year ending January 31, 2027
Revenues	$1.411B to $1.421Braised

Figures as filed (SEC filing, Aug 27)

3 more outlook lines, for Pro members.

The numbers

Market value: $8.6B; today
Sales: $1.4B; up 7.3% on the year
Free cash flow: $488M; last 12 months

Sales grew 12% a year over 5 years, fiscal 2021 to 2026.

Its share count grew 2.9% a year over 5 years.

5 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on HQY: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

+0.2%-2.8%-10.6%

Mar 17May 28Aug 27

Reported	When	Gap	Reaction	5 days
Aug 27, 2026Before open	Before open	-7.0%	-10.6%	-5.6%
May 28, 2026After close	After close	+1.1%	-2.8%	-5.0%
Mar 17, 2026After close	After close	0.0%	+0.2%	+3.4%

HQY closed higher after 1 of its last 4 reports.

All 4 reports, and HQY's Quality Score going into each

HQY sales and profit by year

Sales and profit by year

Sales grew every year from 2020 to 2026, to $1.3B. It made a profit in five of the seven years.

HQY has 6 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on HQY, and all 14 on every stock.Get in free →

HQY RSI today: 58.3, above its 50-day and 200-day averages

Not scored

RSI 58.3, MACD above signal, above both averages. Not scored.13 readings

The deep dive on HQY

What it does and how it makes money3 findingsServices made up 37% of its revenue in fiscal 2026 ($485M of $1.31B), against 40% in fiscal 2025; Financial Service, Other 48% and credit and debit card 15%.SEC filing · Mar 17, 2026
Where it stands4 findingsFor Pro members4 findings on where HQY stands: its cash, debt, and share count, for Pro members
What changed in its filings3 findings"December 13, 2024, the Company filed a motion to dismiss the class action and a motion to compel arbitration." (10-Q for the quarter to Jul 31, 2026)SEC filing · Aug 27, 2026A new heading in its "Risk Factors" this year: "If we fail to operate our marketplace effectively, if our Network Partners, Clients, or members respond negatively to our marketplace, or if our marketplace partners, products, or services are disrupted, our business may be adversely affected." (10-K for fiscal 2026; not in fiscal 2025's)SEC filing · Mar 17, 2026, against the one of Mar 18, 2025Backlog fell 73% in a year, to $3.10M on Jul 31, 2026 from $11.5M: sales under contract, not yet delivered.Filed figures, Jul 31, 2026
Who holds and trades it3 findingsFor Pro members3 findings on who holds and trades HQY, for Pro members
Against its closest peers2 peersSales over four quarters against a year before: HQY +7.3%, FIS +24%, WEX +9.7%.

9 more findings on HQY, each with its source, for Pro members.

HQY insider trades

One insider bought $12K across 2 filings, and one insider sold $11K across 1 filing, in the last 6 months. The newest:

SellSunil Rajasekar$11KEVP Chief Prod & Strat Officerat $105.60 on Aug 24, filed Oct 19

SellSunil RajasekarEVP Chief Prod & Strat Officer$11Kat $105.60 on Aug 24, filed Oct 19

All 3 insider filings on HQY from the last six months, for Pro members.

All HQY insider trades

HQY trades by Congress and the executive branch

3 trades disclosed in the last six months. The newest:

BuyGilbert Cisneros$1K to $15KHousetraded Jul 10, disclosed Sep 4(56 days later)

BuyGilbert CisnerosHouse$1K to $15Ktraded Jul 10, disclosed Sep 4(56 days later)

All 3 trades on HQY disclosed by Congress and the executive branch, for Pro members.Get in free →

See what Congress is buying across the market

HQY's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Scott CutlerPresident and CEO · no trades on file
James M. LucaniaEVP & CFO · no trades on file
Sunil RajasekarEVP Chief Prod & Strat Officer · 4 trades
Delano LaddEVP, General Counsel · 3 trades
Michael Henry FioreEVP, Chief Commercial Officer · 3 trades
Elimelech RosnerEVP, Chief Technology Officer · 1 trade
Michael GathrightChief Customer Officer · no trades on file
Stephen NeelemanFounder and Vice Chairman · no trades on file

8 more officers and directors file at HQY.

See insider trades by person

Which ETFs hold HQY?

In ETFs: HQY is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About HealthEquity

HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

2,814 employeesDraper, UThealthequity.com

What HealthEquity says it competes with

“Our direct competitors are HSA custodians and other CDB providers.”

From its annual report, SEC filing · Mar 17, 2026

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What would move HQY's score: 4 things
3 more filings explained, a plain line each
Real-⁠time prices, no delay

BreakawaySep 4Gilbert Cisneros bought HQY$1K to $15K, disclosed Sep 4

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See HQY's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: HQY's Quality Score is 14 (Above Average), #11 of 66 in Business Services. Insiders bought $12K and sold $11K in the last 6 months (Form 4).

What does HQY's Quality Score say?

HQY scores 14 today, which Breakaway calls Above Average. It is #11 of 66 in Services-⁠Business Services by Quality Score, with 6 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is HQY's Quality Score?

HQY scores 14 today, which Breakaway calls Above Average (11 to 14). That is #11 of 66 in Services-⁠Business Services by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind HQY's 14.

Are insiders buying HQY?

One insider bought $12K across 2 filings, and one insider sold $11K across 1 filing, in the last 6 months. The newest is Sunil Rajasekar, EVP Chief Prod & Strat Officer, who sold $11K on Aug 24. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.