Healthequity Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.4B+13.5% YoYTTM through 31 Jul 2026
Net Income $236.5M+144.6% YoYTTM through 31 Jul 2026
Free Cash Flow $487.7MTTM through 31 Jul 2026
Margins
| Current | |
|---|---|
| Gross Margin | 69.5% |
| EBITDA Margin | 37.4% |
| Operating Margin | 24.6% |
| Net Margin | 17.4% |
Returns
11.9%ROE
7.2%ROA
8.9%ROIC
Balance Sheet Health
Debt / Equity0.46x
Current Ratio3.44x
Net Debt$638.5M
Cash & Equivalents$256M
Quality Metrics
Altman Z-Score4.51
Piotroski F-Score8 / 9
FCF Margin35.8%
Rule of 4039.7
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2026: $1.3B
Diluted EPS$2.77TTMFY2026: $2.46
Dividend
No dividend
Capital Allocation
R&D Spend$278M
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Service revenue | $485M | ||
| Custodial revenue | $636.8M | ||
| Interchange revenue | $191.6M |
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