Insider buying last 90 days
No open-market insider purchases were filed for HQY in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every HQY insider filing, plotted on the chart in Gekko.Open HQY in Gekko
NASDAQ: HQY
HealthEquity (HQY) Stock Analysis & Forecast
Sep 28 close
$88.44+0.19 (+0.2%)
Gekko Brief
AI summaryHealthEquity's shares have been in focus this week after a quarterly earnings beat, with EPS of $1.24 topping consensus by $0.05 and revenue of $350.73 million surpassing expectations. Coverage has also highlighted the stock as a strong growth candidate, and one analysis pointed to an approximately 25.43% upside potential in the healthcare technology sector, with analysts overwhelmingly rating HQY a Buy and an average target price of $119.33.
HQY closed at $88.44, up 0.2%, sitting between its 50-day average of $98.90 and its 200-day average of $88.85, a trend picture that is mixed. The GekkoIndex reads 71.7, placing the stock in the Buying zone, while Gekko Fair Value stands at $165.15, leaving the current price 46.4% below that mark.
Looking ahead, HealthEquity's next earnings report is set for 2 December 2026, 64 days out and beyond a typical 20-trading-day holding window. Over the past 90 days, Congressional activity has shown 3 buys and 0 sells, and holdings include one billionaire holder and one trailblazer holder. Seasonally, the next 20 trading days have averaged a 2.7% return over 5 years, with gains recorded in 3 of those years, a pattern worth noting alongside the current gap to Gekko Fair Value.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
HealthEquity price vs fair value
Close $88.44200-day averageGekko Fair Value $165.15
HealthEquity quick facts
- Market cap
- $7.39B
- P/E ratio
- 31.9
- Forward P/E
- 19.7
- EPS, TTM
- $2.77
- Revenue, TTM
- $1.36B
- Profit margin
- 17.4%
- Dividend yield
- —
- Beta
- 0.23
- Volume
- 1.48M avg 876,530
- 1-year return
- −8.0%
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±7.2%
- 50-day average
- $98.90
- 200-day average
- $88.85
- Next earnings
- Dec 2 after close
- Shares outstanding
- 82.72M
HealthEquity swing-trade checklist
HealthEquity scores 5 supportive, 1 mixed and 0 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
5 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $88.44 sits between the 50-day ($98.90) and 200-day ($88.85) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
71.7, Buying
Reading 71.7 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
46.4% below
Price is 46.4% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: Congress 3 buys / 0 sales.
See smart money - Earnings risksupportive
Reports in 64 days
Next report Dec 2, 2026, 64 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+2.7% on average
From this point in the calendar, the next 20 trading days averaged +2.7% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
HealthEquity stock chart and price history
HealthEquity closed at $88.44 on Sep 28, 2026, −8.0% over the past year, inside a 52-week range of $72.76 to $107.62.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.3%
- 3 months
- +0.7%
- 6 months
- +7.2%
- 1 year
- −8.0%
The full HQY chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open HQY in Gekko
Follow HealthEquity through every session
Put HQY on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
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About HealthEquity
HealthEquity offers digital tools that let everyday people and the businesses that employ them keep tabs on healthcare costs and savings. Users can settle medical bills, weigh treatment choices against their prices, view tailored benefit details and clinical records, collect rewards for healthy habits, and build savings using a range of investment options. The company has become closely tied to Health Savings Accounts, which it manages alongside Flexible Spending Accounts and Health Reimbursement Arrangements for its customers nationwide.
On top of these account services, HealthEquity runs a mutual fund investment platform, a digital advisory tool called Advisor, continuation coverage support under COBRA rules, and administration of commuter benefit programs funded with pre-tax dollars. To reach its market, the company relies on its own sales staff as well as ties with benefits brokers and advisors, and it works alongside health plans, benefits administrators, consultants, and record-keepers for retirement plans.
The company traces its founding to 2002 and keeps its headquarters in Draper, Utah. HealthEquity trades on the NASDAQ under the ticker HQY.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Investment managers
- Website
- healthequity.com
HealthEquity GekkoIndex: the smart money zone
HealthEquity’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 71.7, in the Buying zone, up 7.9 points over five sessions.
71.7Buying
Up 7.9 points over five sessions, from the Accumulation zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 13 | +2.8% | +2.3% | ||
| Accumulation | 211 | 0.0% | +0.6% | ||
| Neutral | 400 | +0.4% | +1.8% | ||
| Distribution | 45 | −0.5% | −3.7% | ||
| Selling | 3 | Too few readings yet | |||
Average HQY share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the HQY price, zone by zone.Track HQY in Gekko
Is HealthEquity stock overvalued? Gekko Fair Value
HealthEquity trades 46.4% below Gekko Fair Value of $165.15, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what HealthEquity shares are worth, recalculated every trading day.
$165.15
Gekko Fair Value, Sep 29, 2026
46.4% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open HQY in Gekko
HealthEquity insider and Congress trading
No open-market insider purchases were filed for HealthEquity, and members of Congress disclosed 3 purchases and 0 sales, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
3trades disclosed: 3 purchases and 0 sales.
| Member | Amount | Disclosed |
|---|---|---|
| Gilbert Ray Cisneros House, CA, purchase | $1,001 - $15,000 | Sep 7 traded Jul 10 |
| Gilbert Ray Cisneros House, CA, purchase | $1,001 - $15,000 | Sep 7 traded Jul 9 |
| Gilbert Ray Cisneros House, CA, purchase | $1,001 - $15,000 | Jul 3 traded Jun 30 |
From congressional disclosures, which report amounts as ranges.
Buybacks
HealthEquity has been buying back its own shares.
- Bought back, quarter ended Jul 31, 2026
- $107.7M
- As a share of market cap
- 1.46%
- Trailing four quarters
- $404.5M
From company filings.
Hedge funds and billionaires quarter ended Jun 30
2of the funds Gekko tracks hold HQY.
0added1opened1trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
HealthEquity earnings: next date and track record
HealthEquity reports on Dec 2, 2026, after the close (64 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Dec 2, 2026
Expected after the close, 64 days away
- EPS estimate
- $1.16
- Revenue estimate
- $347.2M
7 of 8reports beat the EPS estimate
±6%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, May 28, 2026 AI summary
- What they said
- HealthEquity reported Q1 fiscal 2027 results with adjusted EBITDA margin expanding to 46%, driven by disciplined execution and operational leverage. Total HSA assets grew 19%, new HSAs grew 15% adding 172,000 accounts, and total HSA growth of 8% outpaced market growth of 6%. HSA investors grew 18% with invested assets up 38%. The company is raising fiscal 2027 guidance and increased share repurchase authorization by $1 billion.
- Guidance
- Management raised fiscal 2027 guidance following strong Q1 execution. The $1 billion share repurchase authorization increase signals confidence in long-term growth outlook. No specific revenue or EPS targets were disclosed in this excerpt.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| May 28, 2026 | $1.07 est $0.94 | $354.6M est $352.0M | +1.7% |
| Mar 17, 2026 | $0.95 est $0.90 | $334.6M est $332.3M | +1.1% |
| Dec 3, 2025 | $1.01 est $0.91 | $322.2M est $320.6M | −3.2% |
| Sep 2, 2025 | $1.08 est $0.91 | $325.8M est $320.7M | +7.0% |
| Jun 3, 2025 | $0.97 est $0.81 | $330.8M est $322.3M | +10.0% |
| Mar 18, 2025 | $0.69 est $0.72 | $311.8M est $305.8M | −16.3% |
| Dec 9, 2024 | $0.78 est $0.72 | $300.4M est $290.1M | −4.8% |
| Sep 3, 2024 | $0.86 est $0.70 | $299.9M est $285.1M | +3.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
HealthEquity stock forecast and analyst price targets
Analysts’ average 12-month price target for HealthEquity is $119.33, +34.9% from the last close, from 9 firms rating the stock in the last 90 days.
$119.33consensus 12-month target, +34.9% from the last close
Now $88.44Avg $119.33
Low $105High $142
Each firm’s latest rating in the last 90 days: 9 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 25 | Wells Fargo | $125 | +41.3% |
| Sep 18 | Barclays | $115 | +30.0% |
| Sep 8 | Barclays | $110 | +24.4% |
| Sep 3 | Wells Fargo | $125 | +41.3% |
| Aug 31 | Deutsche Bank | $142 | +60.6% |
+2.3%average 20-day move after past Buying readings
+2.7%average move over the next 20 trading days in the last 5 years
±2.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
HealthEquity seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, HealthEquity averaged +2.7% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.8% | 2 of 5 |
| Next 10 trading days | +1.3% | 3 of 5 |
| Next 15 trading days | +3.0% | 4 of 5 |
| Next 20 trading days | +2.7% | 3 of 5 |
| Next 30 trading days | +4.4% | 3 of 5 |
For scale, HQY’s typical 20-trading-day move in either direction is about 7.2%.
HealthEquity market cap and key statistics
HealthEquity’s market cap is $7.39B, with a P/E ratio of 31.9 and revenue of $1.36B over the last twelve months.
Valuation
- Market cap
- $7.39B
- P/E ratio
- 31.9
- Forward P/E
- 19.7
- EPS, TTM
- $2.77
- Gekko Fair Value
- $165.15
Trading
- Volume
- 1.48M
- Avg volume, 20 days
- 876,530
- 52-week high
- $107.62
- 52-week low
- $72.76
- Shares outstanding
- 82.72M
Financials
- Revenue, TTM
- $1.36B
- Profit margin
- 17.4%
- Return on equity
- 11.4%
- Quarterly earnings growth, YoY
- +14.7%
Risk and income
- Beta
- 0.23
- Typical daily move
- ±2.8%
- Typical 20-day move
- ±7.2%
HealthEquity stock news this week
3 headlines about HealthEquity from the past week, newest first, each linking to the publisher.
- Here's Why HealthEquity (HQY) is a Strong Growth StockZacks Investment Research, Sep 24
- HealthEquity stock holds near USD 94.52 as earnings beat estimatesAD HOC NEWS, Sep 22
- HealthEquity, Inc. (HQY) Stock Analysis: Unpacking a 25% Upside Potential in the Healthcare SectorDirectorsTalk Interviews, Sep 21
HealthEquity peers
HealthEquity’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| MSMorgan Stanley | Accumulation | 12.7% below |
| BLKBlackRock | Accumulation | 10.3% below |
| UBSUBS | Accumulation | 9.5% below |
| BXBlackstone | Buying | 16.8% below |
| KKRKKR | Accumulation | 18.1% below |
| BNBrookfield | Buying | 21.8% below |
A peer links to its own page where one exists.
HealthEquity stock FAQ
What is HealthEquity’s market cap?
HealthEquity’s market cap is $7.39B at the Sep 28, 2026 close of $88.44, with 82.72M shares outstanding. The shares trade on a P/E ratio of 31.9.
What is the HealthEquity stock forecast?
The consensus analyst 12-month price target for HealthEquity is $119.33, +34.9% from the last close. Of the 9 firms that rated the stock in the last 90 days, 9 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is HealthEquity stock overvalued or undervalued?
On Gekko’s estimate HealthEquity is undervalued: the Sep 28, 2026 close of $88.44 is 46.4% below Gekko Fair Value of $165.15. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does HealthEquity report earnings next?
HealthEquity is expected to report on Dec 2, 2026, after the market closes (64 days away). Analysts expect earnings of $1.16 per share on revenue of $347.2M. HealthEquity beat the earnings estimate in 7 of its last 8 reports, moving 6% on average across the report.
What is HealthEquity’s 52-week high and low?
HealthEquity’s 52-week high is $107.62 and its 52-week low is $72.76; it closed at $88.44 on Sep 28, 2026, −8.0% over the past year. Over the last five years the shares peaked at $116.65 on Jun 5, 2025.
Is HealthEquity stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 5 of the 6 items with data read as supportive (gekkoindex, fair value, smart money, earnings risk and seasonality), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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