HQY NASDAQ
HealthEquity, Inc.
1W: +11.5%
1M: +17.6%
3M: +2.5%
YTD: +13.9%
1Y: +7.7%
3Y: +36.3%
5Y: +63.0%
$101.23
-2.52 (-2.43%)
Weekly Expected Move ±3.5%
$97
$100
$104
$108
$111
Credit Risk of going bust: lower than 76% of companies Debt: 10.2% of company value Bonds: $84.1M held by 111 funds, 119 bp over Treasuries → details ▾
Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.88 (down 99.2%), HealthEquity, Inc. would be worth roughly what it owes.
Total debt $971.0M against a stock market value of $8.58B.
Distance to default 8.75 (Merton model): prices to 2026-10-26, balance sheet 2026-07-31, debt counted $475.5M (short-term plus half of long-term), stock volatility 35.3%; Altman Z'' 3.10. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
If the stock fell to about $0.88 (down 99.2%), HealthEquity, Inc. would be worth roughly what it owes.
Total debt $971.0M against a stock market value of $8.58B.
Distance to default 8.75 (Merton model): prices to 2026-10-26, balance sheet 2026-07-31, debt counted $475.5M (short-term plus half of long-term), stock volatility 35.3%; Altman Z'' 3.10. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
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Balance Sheet Trends
Total Assets
$3.4B
-0.5% ▼
5Y CAGR: +4.8%
Total Liabilities
$1.3B
-0.7% ▼
5Y CAGR: -0.1%
Shareholders Equity
$2.1B
-0.4% ▼
5Y CAGR: +8.9%
Cash & Investments
$319M
+7.8% ▲
5Y CAGR: -0.6%
Total Debt
$1.0B
-9.7% ▼
5Y CAGR: -1.4%
Net Debt
$683M
-16.0% ▼
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $225M | $254M | $404M | $296M | $319M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 |
| Cash & ST Investments | $225M | $254M | $404M | $296M | $319M |
| Net Receivables | $87M | $97M | $105M | $118M | $124M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $38M | $32M | $49M | $64M | $70M |
| Total Current Assets | $351M | $383M | $557M | $478M | $512M |
| Property, Plant & Equip. | $87M | $69M | $54M | $46M | $39M |
| Goodwill & Intangibles | $2.6B | $2.6B | $2.5B | $2.9B | $2.7B |
| Long-Term Investments | $0 | $0 | $0 | $0 | $3M |
| Other Non-Current Assets | $50M | $52M | $68M | $72M | $132M |
| Total Non-Current Assets | $2.8B | $2.7B | $2.6B | $3.0B | $2.9B |
| Total Assets | $3.1B | $3.1B | $3.2B | $3.4B | $3.4B |
| — Liabilities — | |||||
| Accounts Payable | $28M | $14M | $12M | $14M | $12M |
| Short-Term Debt | $9M | $18M | $0 | $0 | $0 |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $47M | $46M | $50M | $69M | $60M |
| Total Current Liabilities | $153M | $131M | $117M | $156M | $157M |
| Long-Term Debt | $922M | $908M | $875M | $1.1B | $957M |
| Other Non-Current Liab. | $14M | $13M | $19M | $23M | $31M |
| Total Non-Current Liabilities | $1.1B | $1.1B | $1.0B | $1.2B | $1.2B |
| Total Liabilities | $1.3B | $1.2B | $1.1B | $1.3B | $1.3B |
| — Equity — | |||||
| Common Stock | $8K | $8K | $9K | $9K | $8K |
| Retained Earnings | $176M | $150M | $206M | $209M | $196M |
| Accumulated OCI | $0 | $0 | $0 | $0 | -$6M |
| Total Stockholders Equity | $1.9B | $1.9B | $2.0B | $2.1B | $2.1B |
| Total Liabilities & Equity | $3.1B | $3.1B | $3.2B | $3.4B | $3.4B |
| — Key Metrics — | |||||
| Total Debt | $1.0B | $994M | $933M | $1.1B | $1.0B |
| Net Debt | $783M | $740M | $529M | $813M | $683M |
| Total Investments | $0 | $0 | $0 | $0 | $3M |