HQY Smart Money
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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🏦 Institutional Activity
Latest: Q2 2026557
Institutions Holding
-24 vs prior
93.9%
Ownership
+11.45%
78
New
209
Increased
213
Reduced
56
Closed
👔 Insider Trades
25 records| Date | Name | Title | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|---|
| 2026-10-15 | Rajasekar Sunil | officer: evp chief prod & strat officer | P-Purchase | 108 | $90.33 | $10K | Filing |
| 2026-10-06 | Neeleman Stephen | officer: founder and vice chairman | F-Tax Withholding | 1,095 | $91.16 | $100K | Filing |
| 2026-10-06 | Gathright Michael | officer: chief customer officer | F-Tax Withholding | 662 | $91.16 | $60K | Filing |
| 2026-10-06 | Lucania James M | officer: evp & cfo | F-Tax Withholding | 2,822 | $91.16 | $257K | Filing |
| 2026-10-06 | Cutler Scott | officer: president and ceo | F-Tax Withholding | 1,230 | $91.16 | $112K | Filing |
| 2026-10-06 | Ladd Delano | officer: evp, general counsel | F-Tax Withholding | 1,080 | $91.16 | $98K | Filing |
| 2026-10-06 | Fiore Michael Henry | other | F-Tax Withholding | 2,032 | $91.16 | $185K | Filing |
| 2026-09-17 | Neeleman Stephen | officer: founder and vice chairman | G-Gift | 1,500 | $— | $0 | Filing |
| 2026-08-25 | DILLON ADRIAN T | director | S-Sale | 6,300 | $104.47 | $658K | Filing |
| 2026-08-25 | DILLON ADRIAN T | director | S-Sale | 1,332 | $105.26 | $140K | Filing |
| 2026-08-24 | Rajasekar Sunil | officer: evp chief prod & strat officer | S-Sale | 108 | $105.60 | $11K | Filing |
| 2026-07-10 | Fiore Michael Henry | officer: evp, chief commercial officer | S-Sale | 2,354 | $95.00 | $224K | Filing |
| 2026-07-09 | Gathright Michael | officer: chief customer officer | F-Tax Withholding | 2,270 | $93.07 | $211K | Filing |
| 2026-07-08 | Rajasekar Sunil | officer: evp chief prod & strat officer | P-Purchase | 23 | $95.06 | $2K | Filing |
| 2026-07-08 | Fiore Michael Henry | officer: evp, chief commercial officer | F-Tax Withholding | 2,045 | $95.08 | $194K | Filing |
| 2026-07-08 | Lucania James M | officer: evp & cfo | F-Tax Withholding | 2,839 | $95.08 | $270K | Filing |
| 2026-07-08 | Ladd Delano | officer: evp, general counsel | F-Tax Withholding | 1,087 | $95.08 | $103K | Filing |
| 2026-07-08 | Cutler Scott | officer: president and ceo | F-Tax Withholding | 1,238 | $95.08 | $118K | Filing |
| 2026-07-08 | Neeleman Stephen | officer: founder and vice chairman | F-Tax Withholding | 1,103 | $95.08 | $105K | Filing |
| 2026-07-02 | Fiore Michael Henry | officer: evp, chief commercial officer | S-Sale | 2,470 | $95.00 | $235K | Filing |
| 2026-06-25 | DILLON ADRIAN T | director | A-Grant/Award | 2,877 | $— | $0 | Filing |
| 2026-06-25 | McCowan Debra Charlotte | director | A-Grant/Award | 2,877 | $— | $0 | Filing |
| 2026-06-25 | Parker Stuart B. | director | A-Grant/Award | 2,877 | $— | $0 | Filing |
| 2026-06-25 | Gassen William | director | A-Grant/Award | 2,877 | $— | $0 | Filing |
| 2026-06-25 | SELANDER ROBERT W | director | A-Grant/Award | 2,877 | $— | $0 | Filing |
🏛️ Congressional Trades
25 records| Date | Politician | Chamber | Type | Amount | Filing |
|---|---|---|---|---|---|
| 2026-07-10 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-07-10 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-07-09 | Gilbert Ray Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-06-30 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-06-30 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-06-29 | Gilbert Ray Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-05-29 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-05-29 | Gilbert Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2026-05-28 | Gilbert Ray Cisneros | House | Buy | $1,001 - $15,000 | Filing |
| 2025-06-17 | Lisa McClain | House | Sell | $1,001 - $15,000 | Filing |
| 2025-06-16 | Lisa C. McClain | House | Sell | $1,001 - $15,000 | Filing |
| 2025-06-16 | Gilbert Cisneros | House | Sell | $1,001 - $15,000 | Filing |
| 2025-06-16 | Gilbert Ray Cisneros | House | Sell | $1,001 - $15,000 | Filing |
| 2025-06-11 | Lisa McClain | House | Buy | $1,001 - $15,000 | Filing |
| 2025-06-10 | Lisa C. McClain | House | Buy | $1,001 - $15,000 | Filing |
| 2025-01-13 | Rob Bresnahan | House | Sell | $1,001 - $15,000 | Filing |
| 2024-11-07 | Josh Gottheimer | House | Sell | $1,001 - $15,000 | Filing |
| 2024-06-21 | Josh Gottheimer | House | Sell | $1,001 - $15,000 | Filing |
| 2024-01-19 | Blake Moore | House | Sell | $1,001 - $15,000 | Filing |
| 2023-04-10 | Daniel Goldman | House | Sell | $15,001 - $50,000 | Filing |
| 2022-01-10 | Josh Gottheimer | House | Buy | $1,001 - $15,000 | Filing |
| 2021-12-09 | Josh Gottheimer | House | Sell | $1,001 - $15,000 | Filing |
| 2021-05-12 | Blake Moore | House | Buy | $1,001 - $15,000 | Filing |
| 2021-05-11 | Blake Moore | House | Buy | $1,001 - $15,000 | Filing |
| 2021-04-30 | Blake Moore | House | Buy | $1,001 - $15,000 | Filing |
🏦 Top Institutional Holders
20 holders| Holder | Shares | Value | Date Reported | Filing | |
|---|---|---|---|---|---|
| BlackRock, Inc. | 11,277,914 | $1.0B | +745,520 | 2026-06-30 | Filing |
| WASATCH ADVISORS LP | 7,960,735 | $719M | +757,801 | 2026-06-30 | Filing |
| MORGAN STANLEY | 4,547,219 | $411M | +2,061,306 | 2026-06-30 | Filing |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 4,057,643 | $366M | -105,950 | 2026-06-30 | Filing |
| VANGUARD CAPITAL MANAGEMENT LLC | 3,640,776 | $329M | -183,028 | 2026-06-30 | Filing |
| STATE STREET CORP | 3,241,046 | $293M | +141,149 | 2026-06-30 | Filing |
| GEODE CAPITAL MANAGEMENT, LLC | 2,374,467 | $214M | +114,821 | 2026-06-30 | Filing |
| AQR CAPITAL MANAGEMENT LLC | 1,999,209 | $176M | -93,014 | 2026-06-30 | Filing |
| DIMENSIONAL FUND ADVISORS LP | 1,869,036 | $169M | +241,997 | 2026-06-30 | Filing |
| WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC | 1,773,227 | $160M | +113,611 | 2026-06-30 | Filing |
| FMR LLC | 1,538,387 | $139M | +403,454 | 2026-06-30 | Filing |
| BROWN ADVISORY INC | 1,372,624 | $124M | -40,160 | 2026-06-30 | Filing |
| Clearbridge Investments, LLC | 1,296,765 | $117M | -13,207 | 2026-06-30 | Filing |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 1,188,902 | $107M | +13,563 | 2026-06-30 | Filing |
| Sixth Street Partners Management Company | 1,188,902 | $107M | +1,188,902 | 2026-06-30 | Filing |
| Greenhouse Funds LLLP | 1,183,024 | $107M | -74,830 | 2026-06-30 | Filing |
| GENEVA CAPITAL MANAGEMENT LLC | 1,149,680 | $104M | -24,390 | 2026-06-30 | Filing |
| BANK OF AMERICA CORP /DE | 1,146,735 | $104M | +284,727 | 2026-06-30 | Filing |
| JPMORGAN CHASE & CO | 1,158,837 | $102M | -24,574 | 2026-06-30 | Filing |
| DAVENPORT & Co LLC | 1,087,218 | $98M | +71,784 | 2026-06-30 | Filing |