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HealthEquity HQY Q2 2027 earnings

Reported August 27, 2026 · Before market open

Revenue$350.7MBeat by $1.5M
EPS$1.24Beat by $0.05
Revenue estimate$349.2M
EPS estimate$1.19
“HealthEquity delivered a record-setting second quarter, with record Adjusted EBITDA margin of 48%, record HSA accounts of 10.7 million and record HSA Assets of nearly $38 billion. These results reflect strong execution across the business and the durability of our model as growth comes from more places, member relationships deepen and technology-enabled efficiency improves how we serve members and clients. This momentum gives us confidence to raise fiscal 2027 guidance and enter the second half focused on scaling efficiently and creating long-term value.”
Scott Cutler

Next report

Date not yet announced

Financials

Q2 2027

Income statement

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Revenue$350.7M+7.6%
Gross profit$258.0M+10.9%
Operating income$98.7M+10.1%
Net income$65.6M+9.7%
EPS (diluted)$0.78+14.7%

Balance sheet

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Cash & equivalents$256.0M-15.9%
Total debt$971.0M-8.0%
Total equity$2.0B-7.3%
Total assets$3.3B-4.3%

Cash flow

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Operating cash flow$136.2M+0.2%
CapEx$978.0K+26.5%
Free cash flow$135.2M+0.1%

Valuation & ratios

Valuation

as of 08/27/26
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Market cap$8.73B+14.7%
Enterprise value$9.44B+13.0%
P/E36.9×-15.3×
P/S6.4×+0.4×

Profitability

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Gross margin71.2%+4.8pp
Operating margin25.8%+7.3pp
Net margin17.4%+5.9pp
FCF margin35.8%+7.0pp

Returns & leverage

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Return on equity11.4%+4.7pp
Debt / equity0.5×0.0×
Current ratio3×-1.2×

Segments

By product

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Custodial revenue$175.9M+10.0%
Service revenue$124.4M+5.6%
Interchange revenue$50.4M+4.7%

FAQ

When did HealthEquity report Q2 2027 earnings?
HealthEquity (HQY) reported Q2 2027 earnings on August 27, 2026 before market open.
What were HealthEquity's Q2 2027 revenue and EPS?
HealthEquity reported revenue of $350.7M and eps of $1.24 for Q2 2027.
Did HealthEquity beat estimates in Q2 2027?
Revenue beat the consensus estimate of $349.2M by $1.5M. EPS beat the consensus estimate of $1.19 by $0.05.
How did HealthEquity's Q2 2027 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.6% from $325.8M a year earlier and eps grew 14.8% from $1.08.
Where can I find HealthEquity's Q2 2027 SEC filings?
You can read the 8-K earnings release (0001428336-26-000040) and the 10-Q periodic report (0001428336-26-000041) directly on SEC EDGAR. The filing index links above go to sec.gov.