🫧 Edgar looked up HEALTHEQUITY, INC. ($HQY). Last filing: 10-Q, 2026-08-27. 10 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $1.3B (FY2026), total debt $957.4M. Experience: revenue up 9.5% on the year, up 14.8% a year over 4 years; operating margin 24.6%, up from 13.5%. Soundness: equity 62.3% of assets, return on equity 10.2%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $1.3B and $1.6B next year (method v4.1: its own 5-year record of growth weighed at 57% against $1B–10B filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $1.2B to $1.7B. A statistical range, not company guidance. Against peers (70 filers, $50M+ revenue, services-business services, nec): operating margin 24.6% against a 7.9% median; growth 9.5% against 10.2%.
| Fiscal year end | 2026-01-31 |
| Revenue | $1.3B |
| Revenue, on the year | 9.5% |
| Revenue, a year over the record | 14.8% |
| Operating margin | 24.6% |
| Operating margin, prior year | 13.5% |
| Net margin | 16.4% |
| Research and development | $263M · 20.0% of revenue |
| Free cash flow | $455M |
| Cash | $319M |
| Total debt | $957M |
| Equity of assets | 62.3% |
| Return on equity | 10.2% |
| Payout of profit | — |
| Dividend per share | — |
| Earnings per share | $2.5 |
| Book value per share | $24.09 |
| Revenue per share | $15.02 |
| Shares outstanding | 87,473,000 |
| Audited years read | 5 |
Peers: the median of 70 filers with $50M+ revenue in services-business services, nec.
Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt.
Sailing speed follows growth: 15.1% a year crosses the harbor in 35 seconds.
No warning signs on the measures below.
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
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| Cash conversion (operating cash ÷ revenue) | 34.8% |
| Growth speed (3 years, per year) | 15.1% |
| Revenue swing (std-dev of yearly growth) | 3.8% |
| Speed and steadiness | Fast and steady |
| Common dividend | none |
| Equity of assets | 62.3% |
Healthequity is growing faster than its size class, with steadier revenue. SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class.
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company
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