HealthEquity, Inc.
HQY scores 53.6 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Moderate penalties (-3.5 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
No risk factors identified.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| HQY | 53.6 | 33.9 | 20.0% | 8.1% | $6.6B |
| INCY | 89.9 | 15.8 | 21.2% | 25.0% | $20.2B |
| GMAB | 86.1 | 13.1 | 22.8% | 36.4% | $18.1B |
| CPRX | 83.7 | 13.7 | 23.5% | 37.6% | $2.9B |
| ASND | 78.3 | 16.6 | 98.0% | -31.7% | $14.0B |
| EXEL | 78.3 | 15.1 | 7.0% | 33.7% | $11.9B |
| VRTX | 78.2 | 32.1 | 8.9% | 32.9% | $125.2B |
| NBIX | 75.1 | 26.5 | 21.4% | 16.7% | $13.3B |
| RPRX | 75.0 | 25.1 | 5.1% | 32.4% | $19.8B |
| HOLX | 74.8 | 31.1 | 1.7% | 13.8% | $16.8B |
| AMGN | 74.2 | 26.0 | 10.0% | 21.0% | $210.2B |
| ARGX | 73.7 | 35.1 | 78.6% | 38.0% | $48.0B |
| REGN | 73.0 | 19.4 | 1.0% | 31.4% | $81.3B |
| ALKS | 72.9 | 16.5 | -6.4% | 23.9% | $5.0B |
| ISRG | 72.7 | 61.7 | 20.5% | 28.4% | $177.8B |
| KRYS | 71.5 | 41.4 | 473.0% | 30.7% | $8.0B |
| Sector Average | 36.6 | 41.9 | 161.5% | -3292.7% | โ |
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. The company offers cloud-based platforms for individuals to make health saving and spending decisions, pay healthcare bills, compare treatment options and prices, receive personalized benefit and clinical information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides mutual fund investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers flexible spending accounts; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves clients through a direct sales force; benefits brokers and advisors; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. The company was incorporated in 2002 and is headquartered in Draper, Utah.
Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.
Stage 4 downtrend โ price is below both SMA50 and SMA200 with a declining 200-day average. Capital preservation takes priority. Do not buy into a downtrend.
| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2025 |
|---|---|---|---|---|
| Revenue | $322M | $326M | $331M | $312M |
| Gross Profit | $201M | $206M | $197M | $189M |
| Operating Income | $80M | $91M | $84M | $72M |
| Net Income | $52M | $60M | $54M | $26M |
| EPS (Diluted) | $0.59 | $0.68 | $0.61 | $0.30 |
| Gross Margin | 62.4% | 63.1% | 59.6% | 60.7% |
| Operating Margin | 24.8% | 27.9% | 25.5% | 22.9% |
| Net Margin | 16.0% | 18.4% | 16.3% | 8.5% |
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $36.81 | $85.98 | 80.1% | Wide |
| 2022 | $43.98 | $79.20 | 57.2% | Wide |
| 2023 | $48.86 | $76.62 | 44.2% | Wide |
| 2024 | $65.01 | $105.82 | 47.8% | Wide |
| 2025 | $74.07 | $116.65 | 44.7% | Wide |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.