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HQYHealthEquity, Inc.Hold6.0·$88.34-0.70%
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HealthEquity, Inc. (HQY) Stock Analysis

Range Bound setup

HoldDEATH CROSS (EXEMPT)Moderate Confidence

Healthcare · Health Information Services

Hold if already holding. Not a fresh buy at $88.34, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -1.2%/30d (confirmed downtrend).

HealthEquity is the largest HSA provider by number of accounts, administering 10.6 million HSAs with $36.5 billion in assets and 7.2 million complementary CDBs (FSAs, HRAs, COBRA) as of January 31, 2026. Revenue comes from service fees, custodial fees from insurance company and... Read more

$88.34+16.8% A.UpsideScore 6.0/10#3 of 12 Health Information Services
QualityF-score9 / 9FCF yield5.00%
Stop $82.16Target $103.16(analyst − 10%)A.R:R 2.0:1
Analyst target$114.63+29.8%16 analysts
$103.16our TP
$88.34price
$114.63mean
$135

Hold if already holding. Not a fresh buy at $88.34, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -1.2%/30d (confirmed downtrend). Chart setup: RSI 50 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 9/11 gates (positive momentum, favorable risk/reward ratio, clean insider activity, positive momentum, no SEC red flags, news events none recent, earnings proximity 80d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-13
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Sep 1, 202680d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
High-quality business
Risks
Below 200-MA, MA slope -1.2%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)33.1
P/E (Fwd)16.1
Mkt Cap$7.4B
EV/EBITDA16.2
Profit Mgn17.3%
ROE11.1%
Rev Growth7.2%
Beta0.21
DividendNone
Rating analysts20

Quality Signals

Piotroski F9/9MoatNarrow

Options Flow

P/C1.03bearish
IV64%elevated
Max Pain$155+75.5% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
2.5
Value Rank
4.6
Quality Rank
7.3
GatesMomentum 5.1<5.5 (soft — BUY_NOW allowed but watch)Death cross exempted (quality + momentum high enough)Momentum 5.1>=4.5A.R:R 2.0 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 80d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
50 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $80.96Resistance $95.00

Price Targets

$82
$103
A.Upside+16.8%
A.R:R2.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts20
Consensus4.2/5
Avg Target$115

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-09-01 (80d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is HQY stock a buy right now?

Hold if already holding. Not a fresh buy at $88.34, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -1.2%/30d (confirmed downtrend). Chart setup: RSI 50 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $103.16 (+16.8%), stop $82.16 (−7.5%), A.R:R 2.0:1. Score 6.0/10, moderate confidence.

What is the HQY stock price target?

Take-profit target: $103.16 (+16.8% upside). Target $103.16 (+16.8%), stop $82.16 (−7.5%), A.R:R 2.0:1. Stop-loss: $82.16.

What are the risks of investing in HQY?

Below 200-MA, MA slope -1.2%/30d (confirmed downtrend).

Is HQY overvalued or undervalued?

HealthEquity, Inc. trades at a P/E of 33.1 (forward 16.1). TrendMatrix value score: 5.9/10. Verdict: Hold.

What do analysts say about HQY?

20 analysts cover HQY with a consensus score of 4.2/5. Average price target: $115.

What does HealthEquity, Inc. do?HealthEquity is the largest HSA provider by number of accounts, administering 10.6 million HSAs with $36.5 billion in...

HealthEquity is the largest HSA provider by number of accounts, administering 10.6 million HSAs with $36.5 billion in assets and 7.2 million complementary CDBs (FSAs, HRAs, COBRA) as of January 31, 2026. Revenue comes from service fees, custodial fees from insurance company and bank partners holding HSA cash (~48% of revenues in fiscal 2026), and interchange fees (~15%). Custodial revenue is sensitive to interest rate levels.

Related stocks: WAY (Waystar Holding Corp.) · PRVA (Privia Health Group, Inc.) · HNGE (Hinge Health, Inc.) · VEEV (Veeva Systems Inc.) · TEM (Tempus AI, Inc.)
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