US · HQY
HealthEquity, Inc.
- Sector
- Healthcare · Medical - Healthcare Information Services
- Headquarters
- Draper, UT 84020
- Website
- healthequity.com
Price · as of 2025-01-31
$82.40
Market cap 6.61B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $70.61 | -14.31% |
| Intrinsic Value(DCF) | $33.90 | -58.86% |
| Graham-Dodd Method(GD) | $10.94 | -86.72% |
| Graham Formula(GF) | $30.35 | -63.17% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $4.44 | $8.99 | |||
| 2015 | $24.03 | $89.91 | $330.43 | $0.00 | $15.62 |
| 2016 | $25.33 | $49.69 | $262.34 | $4.97 | $14.82 |
| 2017 | $43.15 | $52.74 | $332.47 | $6.64 | $21.13 |
| 2018 | $63.48 | $63.09 | $207.76 | $9.59 | $27.87 |
| 2019 | $73.74 | $71.34 | $138.07 | $13.62 | $38.52 |
| 2020 | $48.89 | $63.96 | $633.05 | $0.00 | $53.04 |
| 2021 | $69.33 | $61.52 | $371.20 | $1.29 | $5.27 |
| 2022 | $67.29 | $61.56 | $33.28 | $0.00 | $0.00 |
| 2023 | $56.99 | $50.90 | $0.22 | $1.38 | $0.00 |
| 2024 | $79.85 | $69.55 | $1.47 | $7.78 | $15.26 |
| 2025 | $82.20 | $70.61 | $7.26 | $10.94 | $30.35 |
AI valuation
Our deep-learning model estimates HealthEquity, Inc.'s (HQY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $70.61
- Current price
- $82.40
- AI upside
- -14.31%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$33.90
-58.86% upside
Graham-Dodd
$10.94
-86.72% upside
Graham Formula
$30.35
-63.17% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HQY | HealthEquity, Inc. | $82.40 | 6.61B | -14% | -59% | -87% | -63% | 73.84 | 3.38 | 5.95 | 23.56 | 105.02 | -9.68 | 57.73% | 19.18% | 8.06% | 4.66% | 6.98% | 2.92% | 0.52 | 3.79 | 3.06 | 2.65 | 2.41 | 7031.00% | 2003.00% | 7167.00% | 4.73% | 2.17 | 12.30% | 0.00% | 0.00% | 1.70% | 34.57 | 23.55 | 6.63 | 3.98 |
| BIO | Bio-Rad Laboratories, Inc… | $278.44 | 7.52B | +7% | -54% | +41% | -13% | 10.03 | 1.02 | 2.95 | 15.99 | — | 1.14 | 52.01% | 10.47% | 29.42% | 10.84% | 3.01% | 7.62% | 0.21 | 5.52 | 5.62 | 3.90 | 2.10 | -14264.00% | 65.00% | 4072.00% | 4.91% | 1.03 | 5.46% | 0.00% | 0.00% | 3.88% | 28.14 | 20.32 | 2.95 | 3.15 |
| BTSG | BrightSpring Health Servi… | $41.43 | 7.47B | +60% | +485% | -97% | -50% | 44.17 | 4.49 | 0.65 | 24.32 | — | -6.86 | 11.76% | 3.06% | 1.48% | 10.82% | 6.59% | 3.09% | 1.52 | 2.51 | 1.57 | 0.58 | 5.99 | -102949.00% | 1459.00% | -79075.00% | 4.69% | 0.27 | 8.65% | 0.00% | 0.00% | 1.57% | 28.26 | 28.32 | 0.87 | 3.51 |
| CORT | Corcept Therapeutics Inco… | $35.70 | 3.8B | +198% | +64% | -69% | -45% | 38.06 | 5.77 | 4.91 | 49.30 | — | 5.77 | 98.30% | 5.88% | 13.09% | 14.79% | 15.32% | 11.71% | 0.01 | — | 2.92 | 2.60 | -1.67 | -3333.00% | 1279.00% | -2762.00% | 3.80% | 0.85 | 48.48% | 0.00% | 0.00% | 6.58% | 75.23 | 23.77 | 4.43 | 14.49 |
| DVA | DaVita Inc. | $156.30 | 10.45B | -3% | -61% | — | -21% | 12.29 | -20.36 | 0.97 | 10.42 | — | -1.57 | 27.00% | 14.74% | 5.47% | -407.09% | 12.61% | 6.21% | -23.12 | 3.66 | 1.29 | 1.19 | 5.41 | -1137.00% | 646.00% | -1063.00% | 9.89% | 0.60 | 10.50% | 0.00% | 0.00% | 13.52% | 13.69 | 21.00 | 2.02 | 1.68 |
| GMED | Globus Medical, Inc. | $95.46 | 12.89B | +11% | +76% | -55% | 0% | 23.57 | 2.77 | 4.31 | 16.77 | 5.58 | 5.30 | 67.41% | 16.33% | 18.30% | 12.29% | 10.63% | 10.19% | 0.03 | — | 4.26 | 2.48 | -0.56 | 42267.00% | 1665.00% | 4530.00% | 4.64% | 1.51 | 14.79% | 0.00% | 0.00% | 3.63% | 25.51 | 20.79 | 4.16 | 12.01 |
| HIMS | Hims & Hers Health, Inc. | $14.52 | 3.19B | +579% | +6,822% | -72% | +154% | 28.88 | 6.85 | 1.58 | 24.62 | — | 55.76 | 59.31% | 5.18% | 5.47% | 25.23% | 17.20% | 8.97% | 2.34 | — | 1.90 | 1.51 | 5.80 | -377.00% | 5900.00% | -6271.00% | 1.99% | 0.74 | 10.45% | 0.00% | 0.00% | 2.43% | 36.11 | 59.40 | 1.87 | 2.78 |
| HSIC | Henry Schein, Inc. | $82.39 | 9.99B | +2% | -60% | -90% | -52% | 24.70 | 3.03 | 0.75 | 13.28 | 342.43 | -4.95 | 29.14% | 5.75% | 3.02% | 11.99% | 9.02% | 3.71% | 1.14 | 5.05 | 1.38 | 0.56 | 3.51 | 721.00% | 403.00% | -1331.00% | 5.83% | 0.22 | 8.87% | 0.00% | 0.00% | 8.65% | 17.63 | 23.32 | 1.01 | 2.86 |
| MOH | Molina Healthcare, Inc. | $154.05 | 7.93B | +43% | +423% | -46% | +17% | 16.40 | 1.90 | 0.17 | 7.63 | — | 4.13 | 8.97% | 1.72% | 1.04% | 11.02% | 52.20% | 3.03% | 0.97 | 4.07 | 1.69 | 1.06 | -0.31 | -5632.00% | 1175.00% | -21691.00% | -8.21% | -0.07 | -53.04% | 0.00% | 0.00% | 12.92% | 9.53 | -11.70 | 0.16 | 4.20 |
| PEN | Penumbra, Inc. | $344.39 | 13.51B | -36% | -28% | -84% | -67% | 74.97 | 9.33 | 9.49 | 59.99 | 6.49 | 10.62 | 67.14% | 13.48% | 12.66% | 13.78% | 13.14% | 10.58% | 0.15 | — | 6.64 | 2.06 | 0.15 | 115556.00% | 1750.00% | 1876.00% | 1.31% | 1.30 | 14.03% | 0.00% | 0.00% | 0.00% | 70.57 | 76.34 | 9.51 | 22.01 |
About HealthEquity, Inc.
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.
- CEO
- Scott R. Cutler
- Employees
- 3.11K
- Beta
- 0.24
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($33.90 ÷ $82.40) − 1 = -58.86% (DCF, example).