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HealthEquity HQY Net debt / EBITDA

Net debt / EBITDA at other companies

UnitedHealth Group logo
UnitedHealth GroupUNH
2.2×+0.8×
Webster Financial Corporation logo
Webster Financial CorporationWBS
1.4×+0.6×
Willis Towers Watson logo
Willis Towers WatsonWTW
1.9×-1.7×
CVS Health logo
CVS HealthCVS
0.5×0.0×
Centene logo
CenteneCNC
1×+1.0×
MetLife logo
MetLifeMET
-1.1×-17.5×

Other financials

Income statement

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Revenue$354.6M+7.2%
Gross profit$256.3M+14.3%
Operating income$103.0M+23.9%
Net income$69.4M+28.8%
EPS (diluted)$0.82+34.4%

Balance sheet

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Cash & equivalents$265.4M-7.8%
Total debt$984.7M-11.0%
Total equity$2.0B-3.6%
Total assets$3.3B-3.2%

Cash flow

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Operating cash flow$97.5M+50.6%
CapEx$362.0K+321%
Free cash flow$97.2M+50.3%

Valuation

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Market cap$7.12B-6.7%
Enterprise value$7.84B-7.2%
P/E30.9×-31.8×
P/S5.3×-0.8×

Profitability

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Gross margin70.7%+5.2pp
Operating margin25.6%+9.2pp
Net margin17.3%+7.5pp
FCF margin36.5%+9.3pp

Returns & leverage

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Return on equity11.1%+5.3pp
Debt / equity0.5×0.0×
Current ratio3.4×-0.6×

Where this comes from

Calculated from HealthEquity’s reported figures.

net debt/ebitda=1.4×

Based on the most recent quarter.

The official record: HealthEquity’s 10-Q, filed May 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is HealthEquity's net debt / EBITDA?
HealthEquity (HQY) reported net debt / EBITDA of 1.4× in Q1 2026.
How has HealthEquity's net debt / EBITDA changed year-over-year?
HealthEquity's net debt / EBITDA decreased by 35.2% year-over-year, from 2.2× to 1.4×.
What is the long-term trend for HealthEquity's net debt / EBITDA?
Over 5 years (2021 to 2026), HealthEquity's net debt / EBITDA has grown at a -21.9% compound annual growth rate (CAGR), from 4.9× to 1.4×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.