B+
Bull case
25%
Probability
Target price
$135.00
Analysis reference price unavailable
Analysis 2026-09-09 · RankAlpha Sentiment Codex
HQY
HealthEquityANasdaq / Health Care Equipment & Services
Last Price
Quote time unavailable
Current thesis
Q2 showed simultaneous revenue growth, margin expansion, record HSA accounts, and strong asset growth, supporting a constructive medium-term view [#SEC-8K-2026-08-27].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +13.5.
What can break
Analyst target coverage is incomplete because the target count and range are unavailable.
Momentum
31
Value
59
Sentiment
94
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $119.00 · Bull $135.00 · Bear $80.00Analysis 2026-09-09; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-09-09 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $119.00
Why
Momentum31 · Δ7d -19.1
Value59 · Δ7d -0.0
Sentiment94 · Δ7d +13.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +13.5.
Contradictions & invalidation
- • Analyst target coverage is incomplete because the target count and range are unavailable.
- • HSA asset or account growth could slow, weakening the operating-leverage thesis.
- • The packet lacks quantified guidance details, post-print analyst revisions, and market-reaction attribution.
Catalyst clock
2026-08-27
Q2 FY2027 results and raised guidance
Lead driver: Sentiment · See AI snapshot
Momentum
31
9% active weight
Current posture
7d trendSoftening
Δ7d
-19.1
Δ21d
-53.9
Value
59
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+0.3
Sentiment
94
62% active weight
Current posture
7d trendImproving
Δ7d
+13.5
Δ21d
+20.9
Why this grade
Composite grade A. Momentum 31.4 / Value 59.1 / Sentiment 93.6
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-09-09. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$119.00
Analysis reference price unavailable
Analysis 2026-09-09 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-09-09 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$8.56B
Beta
0.24
Shares Out
83.6M
P/E (TTM)
42.8
P/S (TTM)
6.19
P/FCF (TTM)
22.02
Rev YoY
+7.1%
EPS YoY
+33.9%
Gross Margin
+62.6%
Op Margin
+26.0%
Net Debt
$682.55M
Current Ratio
3.44
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data