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HealthEquity HQY Q4 2026 Annual earnings

Reported March 17, 2026 · After market close

Revenue$334.6MBeat by $2.3M
EPS$0.95Beat by $0.06
Revenue estimate$332.3M
EPS estimate$0.89

Next report

Date not yet announced

Financials

Q4 2026

Income statement

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Revenue$334.6M+7.3%
Gross profit$228.1M+20.7%
Operating income$71.1M+68.6%
Net income$49.7M+88.7%
EPS (diluted)$0.58+93.3%

Balance sheet

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Cash & equivalents$318.9M+7.8%
Total debt$1.0B-9.7%
Total equity$2.1B-0.4%
Total assets$3.4B-2.0%

Cash flow

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Operating cash flow$117.9M+55.7%
CapEx$326.0K-0.6%
Free cash flow$117.6M+55.9%

Valuation & ratios

Valuation

as of 01/31/26
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Market cap$7.32B-23.5%
Enterprise value$8B-22.9%
P/E34×-64.9×
P/S5.6×-2.4×

Profitability

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Gross margin69.5%+4.7pp
Operating margin24.6%+11.0pp
Net margin16.4%+8.3pp
FCF margin34.7%+6.5pp

Returns & leverage

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Return on equity10.2%+5.5pp
Debt / equity0.5×0.0×
Current ratio3.3×+0.2×

Segments

By product

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Custodial revenue$161.4M+12.0%
Service revenue$127.1M+2.3%
Interchange revenue$46.1M+6.0%

FAQ

When did HealthEquity report Q4 2026 earnings?
HealthEquity (HQY) reported Q4 2026 earnings on March 17, 2026 after market close.
What were HealthEquity's Q4 2026 revenue and EPS?
HealthEquity reported revenue of $334.6M and eps of $0.95 for Q4 2026.
Did HealthEquity beat estimates in Q4 2026?
Revenue beat the consensus estimate of $332.3M by $2.3M. EPS beat the consensus estimate of $0.89 by $0.06.
How did HealthEquity's Q4 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $311.8M a year earlier and eps grew 37.7% from $0.69.
Where can I find HealthEquity's Q4 2026 SEC filings?
You can read the 8-K earnings release (0001428336-26-000009) and the 10-K periodic report (0001428336-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.