Earnings summaries and quarterly performance for HEALTHEQUITY.
Executive leadership at HEALTHEQUITY.
Scott Cutler
Detailed
President and Chief Executive Officer
CEO
DL
Delano Ladd
Detailed
Executive Vice President and General Counsel
ER
Elimelech Rosner
Detailed
Executive Vice President and Chief Technology Officer
JL
James Lucania
Detailed
Executive Vice President and Chief Financial Officer
MF
Michael Fiore
Detailed
Executive Vice President and Chief Commercial Officer
SN
Stephen Neeleman
Detailed
Founder and Vice Chairman
Board of directors at HEALTHEQUITY.
Research analysts who have asked questions during HEALTHEQUITY earnings calls.
George Hill
Deutsche Bank
6 questions for HQY
Also covers: AGL, CAH, CI +16 more
Allen Lutz
Bank of America
5 questions for HQY
Also covers: ACCD, CAH, COR +14 more
David Larsen
BTIG
5 questions for HQY
Also covers: ACCD, AGL, AMWL +19 more
MM
Mark Marcon
Baird
4 questions for HQY
Also covers: ADP, AMN, ASGN +13 more
Scott Schoenhaus
KeyBanc Capital Markets
4 questions for HQY
Also covers: ALIT, CERT, DOCS +8 more
AM
Anne McCormick
JPMorgan Chase & Co.
3 questions for HQY
Also covers: DOCS, HCAT, IQV +4 more
CG
C. Gregory Peters
Raymond James
3 questions for HQY
Also covers: ACIC, AFG, AJG +19 more
DR
David Roman
Goldman Sachs Group Inc.
3 questions for HQY
Also covers: ABT, BAX, BDX +18 more
GS
Glen Santangelo
Jefferies
3 questions for HQY
Also covers: ALGN, ANIP, BHC +9 more
SB
Stanislav Berenshteyn
Wells Fargo
3 questions for HQY
Also covers: AMWL, DOCS, GDRX +3 more
Steven Valiquette
Mizuho
3 questions for HQY
Also covers: ALGN, CAH, COR +12 more
AL
Alan Lutz
Bank of America Corporation
2 questions for HQY
Also covers: HSIC, OMI
CP
Charles Peters
Raymond James
2 questions for HQY
Also covers: ACIC, AFG, AJG +11 more
SB
Stan Berenshteyn
Wells Fargo Securities
2 questions for HQY
Also covers: AMWL, DOCS, GDRX +2 more
SB
Stan Berenstein
Wells Fargo
2 questions for HQY
AS
Anne Samuel
JPMorgan Chase & Co.
1 question for HQY
Also covers: DOCS, EVH, OMCL +3 more
Brian Tanquilut
Jefferies
1 question for HQY
Also covers: ACHC, ADUS, AHCO +29 more
CD
Constantine Davides
Citizens JMP
1 question for HQY
Also covers: ADUS, AMN, CCRN +9 more
JP
Jamie Perse
The Goldman Sachs Group, Inc.
1 question for HQY
Also covers: BTSG, CON, DOCS +8 more
Matthew Inglis
RBC Capital Markets
1 question for HQY
Also covers: PSFE
SH
Sam Hassan
Mizuho
1 question for HQY
Sean Dodge
RBC Capital Markets
1 question for HQY
Also covers: CDMO, CTLT, EVH +10 more
SD
Stephanie Davis
Barclays
1 question for HQY
Also covers: ACCD, CAH, COR +20 more
TK
Thomas Kelliher
RBC Capital Markets
1 question for HQY
Also covers: PRVA
Recent press releases and 8-K filings for HQY.
HealthEquity Reports Strong Q3 FY26 Results and Issues Positive FY26 Guidance and FY27 Outlook
HQY
Guidance Update
Revenue Acceleration/Inflection
- HealthEquity, the #1 HSA provider, reported 10.1 million HSAs and $34.4 billion in HSA assets as of October 31, 2025, reflecting 6% and 15% year-over-year growth, respectively.
- For the third quarter of fiscal year 2026 (ended October 31, 2025), the company achieved $322.2 million in revenue, a 7% year-over-year increase, and $141.8 million in Adjusted EBITDA, a 20% year-over-year increase.
- HealthEquity provided Fiscal Year 2026 guidance (as of December 3, 2025) with revenue projected between $1,302 million and $1,312 million and Adjusted EBITDA between $555 million and $565 million.
- The company also issued an outlook for Fiscal Year 2027 (as of January 12, 2026), forecasting revenue between $1,380 million and $1,410 million and Adjusted EBITDA as a percentage of revenue between 43.8% and 44.3%.
- Net cash flows provided by operating activities for the first nine months of Fiscal Year 2026 reached $339 million.
2 days ago
HealthEquity Discusses Strategic Growth and 2027 Revenue Guidance
HQY
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- HealthEquity operates a leading HSA platform, managing over 17 million consumer-directed benefit accounts and $34 billion in HSA assets, with $17.5 billion in invested assets growing 29% year-over-year.
- The company is focused on modernizing its platform through a mobile-first digital experience and integrating AI across all functional areas to enhance member engagement, improve operational efficiency, and reduce costs.
- HealthEquity provided 2027 guidance implying approximately 7% revenue growth at the midpoint, driven by account growth, increased contributions, investment balance expansion, and greater platform spending.
- A new growth vector for the company is the expansion of its marketplace, connecting members to health-related products and services such as GLP-1s and HRT, which generates new revenue streams.
2 days ago
HealthEquity Discusses 2027 Guidance and Strategic Initiatives at J.P. Morgan Healthcare Conference
HQY
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- HealthEquity operates the leading HSA platform in the US, serving over 17 million consumer-directed benefit accounts and managing over $34 billion in HSA assets.
- The company provided guidance for 2027, implying approximately 7% revenue growth at the midpoint, driven by account growth, increased contributions, growing investment balances, and greater platform spending, including a new growth vector from its marketplace.
- HealthEquity is expanding its market reach by targeting ACA Bronze plan members who are now eligible for HSAs due to recent policy changes, with early signs indicating these members are funding their accounts.
- The company is implementing AI across its business to improve member experience, lower costs, and expand margins, and has surpassed 3 million member app downloads.
- Key operational metrics include members spending approximately $15 billion annually on the platform, with $16.9 billion in HSA cash and $17.5 billion in invested assets, the latter growing 29% year over year.
2 days ago
HealthEquity Discusses 2027 Guidance and Growth Strategy at J.P. Morgan Healthcare Conference
HQY
Guidance Update
Share Buyback
New Projects/Investments
- HealthEquity operates the leading HSA platform in the US, managing over 17 million consumer-directed benefit accounts and over $34 billion in HSA assets.
- The company provided 2027 guidance implying approximately 7% revenue growth at the midpoint, driven by account expansion, increased contributions, investment balance growth, and a new marketplace revenue stream.
- Operational highlights include $16.9 billion in HSA cash and $17.5 billion in invested assets, with invested assets growing 29% year over year.
- HealthEquity is actively returning capital to shareholders through a $600 million share purchase authorization and is deleveraging debt.
- The company is focused on digital transformation, including a mobile-first experience and AI integration, to enhance member engagement and operational efficiency.
2 days ago
HealthEquity Announces Fiscal Year 2027 Outlook
HQY
Guidance Update
Revenue Acceleration/Inflection
- HealthEquity, Inc. (HQY) announced its initial outlook for the fiscal year ending January 31, 2027, on January 12, 2026.
- The company projects revenues for FY 2027 to be in the range of $1.38 billion to $1.41 billion.
- Management expects an Adjusted EBITDA margin of 43.8% to 44.3% and a yield on HSA Cash of approximately 3.75% for FY 2027.
- HealthEquity also reaffirmed its previously provided guidance for the fiscal year ending January 31, 2026.
4 days ago
HealthEquity Announces Fiscal Year 2027 Outlook
HQY
Guidance Update
- HealthEquity, Inc. announced its initial outlook for the fiscal year ending January 31, 2027, projecting revenues between $1.38 billion and $1.41 billion.
- For FY2027, the company anticipates an Adjusted EBITDA margin of 43.8% to 44.3% and a yield on HSA Cash of approximately 3.75%.
- HealthEquity also reaffirmed its previously provided guidance for the fiscal year ending January 31, 2026.
- Management will discuss these estimates and expectations at the 44th Annual J.P. Morgan Healthcare Conference on January 13, 2026.
4 days ago
HealthEquity Reports Strong Q3 2026 Results and Raises Full-Year Guidance
HQY
Earnings
Guidance Update
Share Buyback
- HealthEquity reported strong Q3 fiscal year 2026 financial results, with revenue up 7% year-over-year and adjusted EBITDA increasing 20% to $141.8 million. Net income grew 806% to $51.7 million, though non-GAAP net income, which excludes a prior-year legal settlement, increased 26% to $87.7 million.
- The company raised its fiscal year 2026 guidance, now projecting revenue between $1.302 billion and $1.312 billion and adjusted EBITDA between $555 million and $565 million.
- Key metrics showed continued growth, with HSA assets up 15% year-over-year to over $34 billion and HSA invested assets growing 29% to $17.5 billion. Total accounts exceeded 17 million, including over 10 million HSAs.
- Strategic initiatives include the launch of a new direct HSA enrollment platform for ACA bronze plan participants and continued investment in security and AI capabilities. The company also repurchased approximately $94 million of its shares during the quarter, with $259 million remaining on its authorization.
Dec 3, 2025, 9:30 PM
HealthEquity Reports Strong Q3 2026 Results and Raises Fiscal Year 2026 Guidance
HQY
Earnings
Guidance Update
Share Buyback
- HealthEquity delivered strong Q3 2026 financial results, with revenue up 7% year-over-year, non-GAAP net income increasing 26% to $87.7 million, and Adjusted EBITDA growing 20% to $141.8 million.
- The company experienced significant growth in key metrics, including a 15% increase in HSA assets to $34 billion and a 6% rise in HSAs to 10 million.
- HealthEquity raised its fiscal year 2026 guidance, now expecting revenue between $1.302 billion and $1.312 billion and Adjusted EBITDA between $555 million and $565 million.
- Strategic initiatives include the launch of a new direct HSA enrollment platform to capitalize on expanded HSA eligibility for ACA bronze plans and continued share repurchases, with approximately $259 million remaining on the authorization.
Dec 3, 2025, 9:30 PM
HealthEquity Reports Strong Q3 2026 Results and Raises Fiscal Year 2026 Guidance
HQY
Earnings
Guidance Update
Share Buyback
- HealthEquity (HQY) reported strong Q3 fiscal year 2026 results, with revenue up 7% year-over-year, net income up 806% to $51.7 million, and adjusted EBITDA up 20% to $141.8 million.
- Key operational metrics showed robust growth, with HSA assets increasing 15% year-over-year to over $34 billion and HSA invested assets growing 29% to $17.5 billion. Total accounts reached over 17 million, including more than 10 million HSAs.
- The company raised its fiscal year 2026 guidance, now projecting revenue between $1.302 and $1.312 billion, non-GAAP net income between $341 and $348 million, and adjusted EBITDA between $555 and $565 million.
- Strategic initiatives include the launch of a new direct HSA enrollment platform for ACA exchanges, expansion of the HealthEquity Marketplace, and continued investments in AI and fraud prevention.
- HealthEquity repurchased approximately $94 million of its shares during the quarter, with $259 million remaining on its share purchase authorization.
Dec 3, 2025, 9:30 PM
HealthEquity Reports Strong Q3 2026 Financial Results and Updates Fiscal Year Guidance
HQY
Earnings
Guidance Update
Share Buyback
- HealthEquity reported a 7% increase in revenue to $322.2 million for the third quarter ended October 31, 2025.
- Non-GAAP net income per diluted share increased 29% to $1.01, and Adjusted EBITDA grew 20% to $141.8 million for the quarter.
- Total HSA Assets grew 15% to $34.4 billion and HSAs increased 6% to 10.1 million as of October 31, 2025.
- The company returned $93.7 million to shareholders through stock repurchases during the third quarter.
- For the fiscal year ending January 31, 2026, management expects revenues of $1.302 billion to $1.312 billion and non-GAAP net income per diluted share of $3.87 to $3.95.
Dec 3, 2025, 9:02 PM
Quarterly earnings call transcripts for HEALTHEQUITY.
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