HealthEquity (NASDAQ:HQY) Stock, Quote.Headers.trade-ideas

HealthEquity

HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

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MEDP

Investors interested in stocks from the Medical Services sector have probably already heard of HealthEquity (NASDAQ: HQY) and Medpace (NASDAQ: MEDP).

HQY vs. MEDP: Which Stock Is the Better Value Option?

Price Target

HealthEquity (NASDAQ: HQY) closed the last trading session at $76.24, gaining 7.1% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $104.14 indicates a 36.6% upside potential.

Wall Street Analysts Believe HealthEquity Could Rally 36.59%: Here&#39;s is How to Trade

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SPWH

Dow Hits Record High, S&amp;P 500 Gains For 4th Consecutive Month: Fear Index In &#39;Greed&#39; Zone

HealthEquity Inc

Making a noteworthy insider sell on September 10, Elimelech Rosner, EVP at HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>), is reported in the latest SEC filing.
What Happened: Rosner's decision to sell 12,296 shares of HealthEquity was revealed in a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001428336/000141588924023124//Archives/edgar/data/1428336/000141588924023124/0001415889-24-023124-index.htm">U.S. Securities and Exchange Commission</a> on Tuesday. The total value of the sale is $947,089.
The latest market snapshot at Wednesday morning reveals HealthEquity shares down by 0.0%, trading at $74.69.
<h3>Unveiling the Story Behind HealthEquity</h3>
HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.
<h3>Key Indicators: HealthEquity's Financial Health</h3>
Revenue Growth: Over the 3 months period, HealthEquity showcased positive performance, achieving a revenue growth rate of 23.15% as of 31 July, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Health Care sector.
Profitability Metrics: Unlocking Value
<ul>
<li>
Gross Margin: Achieving a high gross margin of 68.03%, the company performs well in terms of cost management and profitability within its sector.
</li>
<li>
Earnings per Share (EPS): HealthEquity's EPS reflects a decline, falling below the industry average with a current EPS of 0.41.
</li>
</ul>
Debt Management: HealthEquity's debt-to-equity ratio surpasses industry norms, standing at 0.54. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
In-Depth Valuation Examination:
<ul>
<li>
Price to Earnings (P/E) Ratio: HealthEquity's stock is currently priced at a premium level, as reflected in the higher-than-average P/E ratio of 62.24.
</li>
<li>
Price to Sales (P/S) Ratio: With a relatively high Price to Sales ratio of 5.99 as compared to the industry average, the stock might be considered overvalued based on sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): Boasting an EV/EBITDA ratio of 21.42, HealthEquity demonstrates a robust market valuation, outperforming industry benchmarks.
</li>
</ul>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
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<h3>Why Insider Transactions Are Important</h3>
Insider transactions, although significant, should be considered within the larger context of market analysis and trends.
In legal terms, an "insider" refers to any officer, director, or beneficial owner of more than ten percent of a company's equity securities registered under Section 12 of the Securities Exchange Act of 1934. This can include executives in the c-suite and large hedge funds. These insiders are required to let the public know of their transactions via a Form 4 filing, which must be filed within two business days of the transaction.
When a company insider makes a new purchase, that is an indication that they expect the stock to rise.
Insider sells, on the other hand, can be made for a variety of reasons, and may not necessarily mean that the seller thinks the stock will go down. 
<h3>Essential Transaction Codes Unveiled</h3>
In the domain of transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> frequently turn their focus to those taking place in the open market, as meticulously outlined in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001428336">Check Out The Full List Of HealthEquity's Insider Trades.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insider Trades

EVP At HealthEquity Sells $947K Of Stock

Investors interested in stocks from the Medical Services sector have probably already heard of HealthEquity (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/hqy#NASDAQ">HQY</a>) and Medpace (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/medp#NASDAQ">MEDP</a>). But which of these two companies is the best option for those looking for undervalued stocks? Let&#39;s take a closer look.
We have found that the best way to discover great value opportunities is to pair a strong Zacks Rank with a great grade in the Value category of our Style Scores system. The Zacks Rank favors stocks with strong earnings estimate revision trends, and our Style Scores highlight companies with specific traits.
HealthEquity has a Zacks Rank of #2 (Buy), while Medpace has a Zacks Rank of #3 (Hold) right now. This means that HQY&#39;s earnings estimate revision activity has been more impressive, so investors should feel comfortable with its improving analyst outlook. However, value investors will care about much more than just this.
Value investors also try to analyze a wide range of traditional figures and metrics to help determine whether a company is undervalued at its current share price levels.
Our Value category highlights undervalued companies by looking at a variety of key metrics, including the popular P/E ratio, as well as the P/S ratio, earnings yield, cash flow per share, and a variety of other fundamentals that have been used by value investors for years.
HQY currently has a forward P/E ratio of 24.80, while MEDP has a forward P/E of 29.12. We also note that HQY has a PEG ratio of 0.88. This metric is used similarly to the famous P/E ratio, but the PEG ratio also takes into account the stock&#39;s expected earnings growth rate. MEDP currently has a PEG ratio of 1.76.
Another notable valuation metric for HQY is its P/B ratio of 3.09. The P/B ratio pits a stock&#39;s market value against its book value, which is defined as total assets minus total liabilities. For comparison, MEDP has a P/B of 13.78.
These metrics, and several others, help HQY earn a Value grade of B, while MEDP has been given a Value grade of C.
HQY is currently sporting an improving earnings outlook, which makes it stick out in our Zacks Rank model. And, based on the above valuation metrics, we feel that HQY is likely the superior value option right now.
<a href="https://www.zacks.com/stock/news/2334126/hqy-vs-medp-which-stock-is-the-better-value-option?cid=CS-BENZ-FT-tale_of_the_tape|yseop_template_3-2334126">To read this article on Zacks.com click here.</a>

HealthEquity's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NYSE">HQY</a>) short percent of float has risen 7.43% since its last report. The company recently reported that it has 4.52 million shares sold short, which is 6.07% of all regular shares that are available for trading. Based on its trading volume, it would take traders 6.17 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>HealthEquity Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1725974109_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for HealthEquity has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing HealthEquity's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, HealthEquity's peer group average for short interest as a percentage of float is 3.16%, which means the company has more short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

How Is The Market Feeling About HealthEquity?

HealthEquity (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/hqy#NASDAQ">HQY</a>) closed the last trading session at $76.24, gaining 7.1% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $104.14 indicates a 36.6% upside potential.
The average comprises 14 short-term price targets ranging from a low of $92 to a high of $115, with a standard deviation of $6.14. While the lowest estimate indicates an increase of 20.7% from the current price level, the most optimistic estimate points to a 50.8% upside. More than the range, one should note the standard deviation here, as it helps understand the variability of the estimates. The smaller the standard deviation, the greater the agreement among analysts.
While the consensus price target is a much-coveted metric for investors, solely banking on this metric to make an investment decision may not be wise at all. That&#39;s because the ability and unbiasedness of analysts in setting price targets have long been questionable.
However, an impressive consensus price target is not the only factor that indicates a potential upside in HQY. This view is strengthened by the agreement among analysts that the company will report better earnings than what they estimated earlier. Though a positive trend in earnings estimate revisions doesn&#39;t give any idea as to how much the stock could surge, it has proven effective in predicting an upside.
<h2>Here&#39;s What You Should Know About Analysts&#39; Price Targets</h2>
According to researchers at several universities across the globe, a price target is one of many pieces of information about a stock that misleads investors far more often than it guides. In fact, empirical research shows that price targets set by several analysts, irrespective of the extent of agreement, rarely indicate where the price of a stock could actually be heading.
While Wall Street analysts have deep knowledge of a company&#39;s fundamentals and the sensitivity of its business to economic and industry issues, many of them tend to set overly optimistic price targets. Are you wondering why?
They usually do that to drum up interest in shares of companies that their firms either have existing business relationships with or are looking to be associated with. In other words, business incentives of firms covering a stock often result in inflated price targets set by analysts.
However, a tight clustering of price targets, which is represented by a low standard deviation, indicates that analysts have a high degree of agreement about the direction and magnitude of a stock&#39;s price movement. While that doesn&#39;t necessarily mean the stock will hit the average price target, it could be a good starting point for further research aimed at identifying the potential fundamental driving forces.
That said, while investors should not entirely ignore price targets, making an investment decision solely based on them could lead to disappointing ROI. So, price targets should always be treated with a high degree of skepticism.
<h2>Why HQY Could Witness a Solid Upside</h2>
There has been increasing optimism among analysts lately about the company&#39;s earnings prospects, as indicated by strong agreement among them in revising EPS estimates higher. And that could be a legitimate reason to expect an upside in the stock. After all, empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements.
The Zacks Consensus Estimate for the current year has increased 4.1% over the past month, as three estimates have gone higher compared to no negative revision.
Moreover, HQY currently has a Zacks Rank #2 (Buy), which means it is in the top 20% of more than the 4,000 stocks that we rank based on four factors related to earnings estimates. Given an impressive externally-audited track record, this is a more conclusive indication of the stock&#39;s potential upside in the near term.
Therefore, while the consensus price target may not be a reliable indicator of how much HQY could gain, the direction of price movement it implies does appear to be a good guide.
<a href="https://www.zacks.com/stock/news/2333455/wall-street-analysts-believe-healthequity-hqy-could-rally-36-59-here-s-is-how-to-trade?cid=CS-BENZ-FT-tale_of_the_tape|consensus_price_target-2333455">To read this article on Zacks.com click here.</a>

Wall Street Analysts Believe HealthEquity Could Rally 36.59%: Here's is How to Trade

Offerings

HealthEquity Files For Mixed Shelf; Size Not Disclosed

Barrington Research analyst Alexander Paris maintains HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) with a Outperform and maintains $105 price target.

Barrington Research Maintains Outperform on HealthEquity, Maintains $105 Price Target

HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) has outperformed the market over the past 10 years by 4.89% on an annualized basis producing an average annual return of 15.59%. Currently, HealthEquity has a market capitalization of $7.19 billion. 
Buying $100 In HQY: If an investor had bought $100 of HQY stock 10 years ago, it would be worth $443.22 today based on a price of $82.68 for HQY at the time of writing.
<h3>HealthEquity's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1725483611_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

If You Invested $100 In This Stock 10 Years Ago, You Would Have $400 Today

Deutsche Bank analyst George Hill maintains HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) with a Buy and raises the price target from $102 to $103.

Deutsche Bank Maintains Buy on HealthEquity, Raises Price Target to $103

JMP Securities analyst Constantine Davides reiterates HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) with a Market Outperform and maintains $105 price target.

Reiteration

JMP Securities Reiterates Market Outperform on HealthEquity, Maintains $105 Price Target

WIIM

HealthEquity shares are trading higher after the company reported better-than-expected Q2 financial results.

RBC Capital analyst Sean Dodge reiterates HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) with a Outperform and maintains $92 price target.

RBC Capital Reiterates Outperform on HealthEquity, Maintains $92 Price Target

B of A Securities analyst Allen Lutz maintains HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) with a Buy and lowers the price target from $105 to $100.

B of A Securities Maintains Buy on HealthEquity, Lowers Price Target to $100

Guidance

HealthEquity Sees FY25 Adj. EPS $2.98-$3.14, Revenues $1.165B-$1.185B

HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) reported quarterly earnings of $0.86 per share which beat the analyst consensus estimate of $0.70 by 22.86 percent. The company reported quarterly sales of $299.928 million which beat the analyst consensus estimate of $284.870 million by 5.29 percent. This is a 23.15 percent increase over sales of $243.549 million the same period last year.

Earnings Beats

HealthEquity Q2 2025 Adj. EPS $0.86 Beats $0.70 Estimate, Sales $299.928M Beat $284.870M Estimate

The CNN Money Fear and Greed index showed further improvement in the overall market sentiment, while the index remained in the &#8220;Greed&#8221; zone on Friday.
U.S. stocks settled higher on Friday, with the Dow Jones index notching a new record high during the session.
The S&amp;P 500 gained 2.3% during August, recording its fourth consecutive winning month. The Dow rose around 1.8%, while the Nasdaq Composite recorded a 0.7% gain for the period.
Shares of Elastic N.V. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ESTC#NYSE">ESTC</a>) dipped over 26% on Friday after the company reported first-quarter financial results and issued second-quarter revenue guidance below estimates. MongoDB, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MDB#NASDAQ">MDB</a>) shares surged more than 18% after the company reported better-than-expected second-quarter financial results and issued strong guidance on Thursday.
On the economic data front, U.S. personal income increased by 0.3% from the prior month to $24.015 trillion in July, while personal spending rose 0.5% from the prior month. The US core PCE price index increased by 0.2% from the earlier month in July, which is in line with market estimates and followed a 0.2% rise in June. The University of Michigan consumer sentiment was revised higher to 67.9 in August versus a preliminary level of 67.8.
All sectors on the S&amp;P 500 closed on a positive note, with consumer discretionary, information technology, and industrials stocks recording the biggest gains on Friday.
The Dow Jones closed higher by around 228 points to 41,563.08 on Friday. The S&amp;P 500 rose 1.01% to 5,648.40, while the Nasdaq Composite climbed 1.13% at 17,713.62 during Friday's session.
Investors are awaiting earnings results from HealthEquity, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>), Sportsman&#8217;s Warehouse Holdings, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SPWH#NASDAQ">SPWH</a>), and Zscaler, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ZS#NASDAQ">ZS</a>) today.
What is CNN Business Fear &amp; Greed Index?
At a current reading of 63.4, the index remained in the &#8220;Greed&#8221; zone on Friday, versus a prior reading of 60.1.
The Fear &amp; Greed Index is a measure of the current market sentiment. It is based on the premise that higher fear exerts pressure on stock prices, while higher greed has the opposite effect. The index is calculated based on seven equal-weighted indicators. The index ranges from 0 to 100, where 0 represents maximum fear and 100 signals maximum greediness.
Read Next: 
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</ul>

Dow Hits Record High, S&P 500 Gains For 4th Consecutive Month: Fear Index In 'Greed' Zone

With U.S. stock futures trading lower this morning on Tuesday, some of the stocks that may grab investor focus today are as follows:
<ul>
<li>Wall Street expects Hello Group Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MOMO#NASDAQ">MOMO</a>) to report quarterly earnings at 28 cents per share on revenue of $372.52 million before the opening bell, according to data from <a href="https://pro.benzinga.com/dashboard">Benzinga Pro</a>. Hello Group shares fell 0.6% to $6.60 in after-hours trading.</li>
<li>Analysts expect Zscaler, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ZS#NASDAQ">ZS</a>) to post quarterly earnings at 69 cents per share on revenue of $567.93 million. The company will release earnings after the markets close. Zscaler shares gained 0.1% to $200.00 in after-hours trading.</li>
<li>Aptose Biosciences Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/APTO#NASDAQ">APTO</a>) shares rose in Friday's after-hours trading after the company announced a $10 million loan through a Facility Agreement with Hanmi Pharmaceutical Co. Aptose shares jumped 69.3% to $0.6874 in the after-hours trading session.</li>
</ul>
Check out our <a href="https://www.benzinga.com/premarket/">premarket coverage here</a>
<ul>
<li>After the markets close, HealthEquity, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) is projected to post quarterly earnings at 70 cents per share on revenue of $284.87 million. HealthEquity shares fell 0.6% to $79.10 in the after-hours trading session.</li>
<li>Analysts expect Sportsman&#8217;s Warehouse Holdings, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SPWH#NASDAQ">SPWH</a>) to report a quarterly loss at 9 cents per share on revenue of $285.03 million after the closing bell. Sportsman&#8217;s Warehouse shares fell 1% to $2.08 in the after-hours trading session.</li>
</ul>
Check This Out: 
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<li><a href="https://www.benzinga.com/markets/24/08/40666406/top-2-real-estate-stocks-that-could-blast-off-this-quarter">Top 2 Real Estate Stocks That Could Blast Off This Quarter</a></li>
</ul>
Image generated using AI tools

APTO

MOMO

Hello Group, Zscaler And 3 Stocks To Watch Heading Into Tuesday

11 analysts have shared their evaluations of HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.
The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">9</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">8</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $103.91, a high estimate of $110.00, and a low estimate of $92.00. Witnessing a positive shift, the current average has risen by 3.44% from the previous average price target of $100.45.
<img src="https://www.benzinga.com/files/images/story/2024/1725048058_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
A comprehensive examination of how financial experts perceive HealthEquity is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Alexander Paris</td>
<td>Barrington Research</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$105.00</td>
<td>$105.00</td>
</tr>
<tr>
<td>Allen Lutz</td>
<td>B of A Securities</td>
<td>Maintains</td>
<td>Buy</td>
<td>$105.00</td>
<td>$105.00</td>
</tr>
<tr>
<td>Stan Berenshteyn</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$110.00</td>
<td>$107.00</td>
</tr>
<tr>
<td>C. Gregory Peters</td>
<td>Raymond James</td>
<td>Raises</td>
<td>Outperform</td>
<td>$105.00</td>
<td>$100.00</td>
</tr>
<tr>
<td>Scott Schoenhaus</td>
<td>Keybanc</td>
<td>Raises</td>
<td>Overweight</td>
<td>$100.00</td>
<td>$95.00</td>
</tr>
<tr>
<td>Stan Berenshteyn</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$107.00</td>
<td>$105.00</td>
</tr>
<tr>
<td>Alexander Paris</td>
<td>Barrington Research</td>
<td>Raises</td>
<td>Outperform</td>
<td>$105.00</td>
<td>$100.00</td>
</tr>
<tr>
<td>Sean Dodge</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$92.00</td>
<td>$92.00</td>
</tr>
<tr>
<td>Allen Lutz</td>
<td>B of A Securities</td>
<td>Raises</td>
<td>Buy</td>
<td>$105.00</td>
<td>$97.00</td>
</tr>
<tr>
<td>Constantine Davides</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$105.00</td>
<td>$101.00</td>
</tr>
<tr>
<td>Mark Marcon</td>
<td>Baird</td>
<td>Raises</td>
<td>Outperform</td>
<td>$104.00</td>
<td>$98.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to HealthEquity. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of HealthEquity compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of HealthEquity's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of HealthEquity's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/HQY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on HealthEquity analyst ratings.</a>
<h2>Delving into HealthEquity's Background</h2>
HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.
<h3>Unraveling the Financial Story of HealthEquity</h3>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Revenue Growth: HealthEquity's remarkable performance in 3 months is evident. As of 30 April, 2024, the company achieved an impressive revenue growth rate of 17.66%. This signifies a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Health Care sector.
Net Margin: HealthEquity's net margin is impressive, surpassing industry averages. With a net margin of 10.02%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 1.39%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): HealthEquity's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.9%, the company may face hurdles in achieving optimal financial returns.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.47.
<h2>Analyst Ratings: What Are They?</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Critical Insights From HealthEquity Analyst Ratings: What You Need To Know

HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) has outperformed the market over the past 10 years by 3.55% on an annualized basis producing an average annual return of 14.28%. Currently, HealthEquity has a market capitalization of $6.52 billion. 
Buying $1000 In HQY: If an investor had bought $1000 of HQY stock 10 years ago, it would be worth $3,772.27 today based on a price of $74.95 for HQY at the time of writing.
<h3>HealthEquity's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1724076012_0_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In This Stock 10 Years Ago Would Be Worth $3,800 Today

HealthEquity (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HQY#NASDAQ">HQY</a>) has outperformed the market over the past 10 years by 2.62% on an annualized basis producing an average annual return of 13.13%. Currently, HealthEquity has a market capitalization of $6.21 billion. 
Buying $100 In HQY: If an investor had bought $100 of HQY stock 10 years ago, it would be worth $360.33 today based on a price of $71.34 for HQY at the time of writing.
<h3>HealthEquity's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1723228272_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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