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HealthEquity HQY Ratios & Valuation

Q2 '27Q1 '27Q4 '26Q3 '26Q2 '26
Profitability
Gross margin71.2%+4.8pp70.7%+5.2pp69.5%+4.7pp67.7%+2.4pp66.4%+1.5pp
Operating margin25.8%+7.3pp25.6%+9.2pp24.6%+11.0pp22.7%+8.9pp18.5%+3.0pp
Net margin17.4%+5.9pp17.3%+7.5pp16.4%+8.3pp14.9%+6.5pp11.5%+1.9pp
Returns
Return on equity11.4%+4.7pp11.1%+5.3pp10.2%+5.5pp9%+4.3pp6.8%+1.6pp
Return on invested capital9.6%+3.3pp9.3%+3.7pp8.7%+3.8pp7.9%+3.1pp6.3%+1.3pp
Efficiency
Asset turnover0.4×0.0×0.4×0.0×0.4×0.0×0.4×0.0×0.4×0.0×
Liquidity
Current ratio3×-1.2×3.4×-0.6×3.3×+0.2×4.1×+0.9×4.2×+0.1×
Leverage
Debt-to-equity0.5×0.0×0.5×0.0×0.5×0.0×0.5×-0.1×0.5×0.0×
Net debt / EBITDA1.4×-0.5×1.4×-0.8×1.4×-1.1×1.6×-0.9×1.9×-0.6×
Per Share
Book value per share$23.69-3.2%$24.09+0.3%$24.09+1.2%$24.54+2.4%$24.46+0.5%
Valuation
Market capitalization$7.39B-4.3%$6.93B-6.7%$7.32B-23.5%$8.15B+9.7%$8.39B+23.6%
Price / earnings31.3×-21.7×30×-30.9×34×-64.9×42.5×-34.3×57.5×-6.7×
Price / sales5.4×-0.7×5.2×-0.8×5.6×-2.4×6.3×-0.1×6.6×+0.4×
Price / book3.7×+0.1×3.4×-0.1×3.5×-1.1×3.8×+0.3×3.9×+0.8×
EV / EBITDA15.9×-5.7×15.4×-7.1×16.8×-15.2×19.8×-6.0×23.3×+0.2×

FAQ

What are HealthEquity's profit margins?
HealthEquity (HQY) runs a 71.2% gross margin and a 25.8% operating margin, with a 17.4% net margin.
Where do HealthEquity's ratios come from?
Every ratio is computed from HealthEquity's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.