Key metrics and charts across all fundamental categories.
Stock price and market valuation
HQY trades at $86.33, a 0.1% decrease year-over-year. Market capitalization stands at $7.29B, down 2.7% from the prior year. Track HQY price trends and market cap history to understand how the market values this company over time.
Revenue and earnings growth across quarters
$1.34B in TTM revenue grew 7.6% YoY, reaching $354.64M last quarter. TTM EBITDA of $496.46M on operating income of $102.95M shows growth is flowing through. Net income of $230.70M TTM confirms the company is converting revenue into profit. Revenue is growing at a healthy pace — a signal to hold.
Assets, cash, debt, and leverage
With $3.31B in assets and $942.66M in long-term debt, the D/E of 0.5 shows a conservative capital structure — the company has a strong financial cushion to weather downturns.
Price multiples and return ratios
At 31.6x P/E, the stock trades at a premium — the market expects above-average growth. P/S of 5.4x and P/B of 3.6x provide additional context. Assess whether the current multiple is justified by the company's growth and profitability trajectory.
Operating efficiency and return metrics
Op. margin of 29.0% is up 3.9% YoY — cost efficiency is improving. Net margin at 19.6% and gross margin of 72.3%. ROE of 11.3% shows the company generates solid returns on shareholder equity.
Free cash flow, earnings quality, and capital allocation
FCF of $97.16M on $97.53M in operating cash flow. The FCF / Net Income ratio of 0.4x indicates partial cash conversion — earnings quality needs attention. Cash reserves of $265.37M provide financial flexibility. Shares outstanding declined 2.6% YoY — buybacks are returning capital to shareholders.
