$84.67
▲ +$1.29
(+1.55%)
Vol 640K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$7.8B
P/E
40.8
ROE
9.0%
Margin
14.9%
D/E
46.02
Beta
0.23
52W
$74–$117
Wall Street Consensus
20 analysts · Apr 20267
Strong Buy
10
Buy
2
Hold
1
Sell
0
Strong Sell
85.0%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 80.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Mar 2026 | $0.91 | $0.95 | +$0.04 |
| Dec 2025 | $0.94 | $1.01 | +$0.07 |
| Sep 2025 | $0.93 | $1.08 | +$0.15 |
| Jun 2025 | $0.82 | $0.97 | +$0.15 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $300.4M | $311.8M | $330.8M | $325.8M | $322.2M |
| Net Income | — | $5.7M | $26.4M | $53.9M | $59.9M | $51.7M |
Fundamentals Trend
| Metric | 2025-07-31 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 6.9% | 5.7% | 6.9% | 6.9% | 6.9% | 9.0% |
| P/E (TTM) | 57.52 | 63.85 | 55.99 | 55.88 | 58.42 | 40.80 |
| Net Margin | 18.4% | 9.8% | 11.5% | 11.5% | 11.5% | 14.9% |
| Gross Margin | 71.4% | 65.5% | 66.4% | 66.4% | 66.4% | 67.7% |
| D/E Ratio | 46.91 | 49.75 | 46.91 | 46.91 | 46.91 | 46.02 |
| Current Ratio | 4.23 | 4.06 | 4.23 | 4.23 | 4.23 | 4.13 |
Key Ratios
ROA (TTM)
5.6%
P/S (TTM)
6.06
P/B
4.5
EPS (TTM)
$2.18
CF/Share
$2.00
Rev Growth 3Y
+16.6%
52W High
$116.65
52W Low
$74.07
$74.07
52-Week Range
$116.65
Financial Health
Free Cash Flow
$127.2M
Net Debt
$719.0M
Cash
$309.3M
Total Debt
$1.0B
As of Oct 31, 2025
How does HQY compare to Health Care peers?
Peer group: Micro-cap Health Care (All) · 241 companies
HQY valuation vs Health Care peers
P/E ratio
40.8
▲
33%
above
peers
(30.7)
vs Peers
vs Industry
Undervalued
P/S ratio
6.1
▲
135%
above
peers
(2.6)
vs Peers
vs Industry
Overvalued
P/B ratio
4.5
▲
63%
above
peers
(2.8)
vs Peers
vs Industry
Overvalued
Div yield
—
▼
0%
below
peers
(0.7%)
vs Peers
vs Industry
Low yield
HQY profitability vs Health Care peers
ROE
9.0%
▲
123%
above
peers
(-38.5%)
vs Peers
vs Industry
Top tier
Net margin
14.9%
▲
160%
above
peers
(-24.7%)
vs Peers
vs Industry
Top tier
Gross margin
67.7%
▲
28%
above
peers
(52.9%)
vs Peers
vs Industry
Below avg
ROA
5.6%
▲
126%
above
peers
(-21.2%)
vs Peers
vs Industry
Top tier
HQY financial health vs Health Care peers
D/E ratio
46.0
▲
139%
above
peers
(19.3)
vs Peers
vs Industry
High debt
Current ratio
4.1
▲
91%
above
peers
(2.2)
vs Peers
vs Industry
Strong liquidity
Beta
0.2
▼
78%
below
peers
(1.1)
vs Peers
vs Industry
More volatile
HQY fundamentals radar
HQY
Peer median
Industry
HQY profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
HQY vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
ROSNER ELIMELECH
Chief Technology Officer · Mar 25
60607 shs
FIORE MICHAEL HENRY
Officer · Mar 25
17582 shs
GATHRIGHT MICHAEL
Officer · Mar 25
15157 shs
LUCANIA JAMES M
Chief Financial Officer · Mar 25
27283 shs
LADD DELANO W IV
General Counsel · Mar 25
35608 shs
CUTLER SCOTT RAYMOND
Chief Executive Officer · Mar 25
72754 shs
NEELEMAN STEPHEN
Officer and Director · Mar 25
39775 shs
PARKER STUART B
Director · Feb 02
1263 shs
NATARAJAN RAJESH
Director · Feb 02
976 shs
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