HQY
HealthEquityBNasdaq / Health Care Equipment & Services
Last Price
At close
2026-07-18
Current thesis
The beat-and-raise print showed 46% Adjusted EBITDA margin, 19% HSA asset growth, and a larger buyback program, reinforcing a durable operating-leverage story [#8-K-2026-05-28].
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.3.
What can break
Changes to HSA tax treatment, healthcare regulation, or CDB adoption could weaken the structural growth story [#8-K-2026-05-28].
Momentum
47
Value
59
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $114.40 · Bull $130.00 · Bear $79.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $117.40
Why
Momentum47 · Δ7d +22.3
Value59 · Δ7d -0.3
Sentiment62 · Δ7d -7.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
47
26% active weight
Current posture
7d trendImproving
Δ7d
+22.3
Δ21d
+19.5
Value
59
39% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.7
Sentiment
62
34% active weight
Current posture
7d trendSoftening
Δ7d
-7.6
Δ21d
-12.6
Why this grade
Composite grade B. Momentum 46.5 / Value 59.4 / Sentiment 62.2
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$8.17B
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
+22.6%
Net Debt
$682.55M
Current Ratio
3.44
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology