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Upturn AI SWOT - About
HQY 
HealthEquity Inc (HQY)
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Upturn Advisory Summary
06/27/2025: HQY (3-star) is a SELL. SELL since 5 days. Profits (4.35%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
14 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $121.71
Year Target Price $121.71
| 9 | Strong Buy |
| 4 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.01% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.07B USD | Price to earnings Ratio 76.55 | 1Y Target Price 121.71 |
Price to earnings Ratio 76.55 | 1Y Target Price 121.71 | ||
Volume (30-day avg) - | Beta 0.49 | 52 Weeks Range 65.01 - 116.65 | Updated Date 06/29/2025 |
52 Weeks Range 65.01 - 116.65 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.37 |
Earnings Date
Report Date 2025-06-02 | When After Market | Estimate 0.66 | Actual 0.97 |
Profitability
Profit Margin 9.8% | Operating Margin (TTM) 25.5% |
Management Effectiveness
Return on Assets (TTM) 4.57% | Return on Equity (TTM) 5.77% |
Valuation
Trailing PE 76.55 | Forward PE 30.12 | Enterprise Value 9889263566 | Price to Sales(TTM) 7.3 |
Enterprise Value 9889263566 | Price to Sales(TTM) 7.3 | ||
Enterprise Value to Revenue 7.96 | Enterprise Value to EBITDA 26.05 | Shares Outstanding 86475400 | Shares Floating 84946467 |
Shares Outstanding 86475400 | Shares Floating 84946467 | ||
Percent Insiders 2.24 | Percent Institutions 109.58 |
Analyst Ratings
Rating 4.57 | Target Price 121.71 | Buy 4 | Strong Buy 9 |
Buy 4 | Strong Buy 9 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
HealthEquity Inc
Company Overview
History and Background
HealthEquity Inc. was founded in 2002 and went public in 2014. It pioneered the Health Savings Account (HSA) market, focusing on providing technology-enabled services that empower consumers to make healthcare saving and spending decisions.
Core Business Areas
- Health Savings Accounts (HSAs): This segment provides custodial services for HSA assets, including account administration, transaction processing, and investment options.
- Complementary Solutions: This segment includes services such as COBRA administration, reimbursement arrangements, and other benefits administration solutions.
Leadership and Structure
The CEO is Jon Kessler. The organizational structure includes departments for technology, finance, sales, marketing, and operations.
Top Products and Market Share
Key Offerings
- Health Savings Accounts (HSAs): HealthEquity is a leading provider of HSAs. They make revenue from subscription, interchange, and custodial revenue. Competitors include Optum Bank, Lively, and Fidelity. Market share data is difficult to pinpoint precisely, but HealthEquity is estimated to be in the top tier.
- COBRA Administration: Provides administration of COBRA benefits for employers. No precise market share data available. Competitors include Benefit Resource, and WageWorks (now Alight).
Market Dynamics
Industry Overview
The industry is driven by increasing healthcare costs, the growing popularity of high-deductible health plans (HDHPs), and the regulatory environment that supports HSAs. Consolidation is also occurring.
Positioning
HealthEquity is positioned as a leading technology-enabled HSA custodian and benefits administrator, focusing on customer experience and innovation. They have a strong network of employer partners.
Total Addressable Market (TAM)
The estimated TAM for HSAs is significant, potentially reaching hundreds of billions of dollars as more individuals and employers adopt HDHPs. HealthEquity is well-positioned to capture a substantial portion of this market.
Upturn SWOT Analysis
Strengths
- Large HSA customer base
- Strong technology platform
- Established brand reputation
- Extensive partner network
- Focus on customer service
Weaknesses
- Reliance on regulatory environment
- Exposure to interest rate fluctuations
- Integration risks with acquisitions
- Complexity of healthcare regulations
- Customer concentration
Opportunities
- Increased adoption of HDHPs
- Expansion into new markets and product offerings
- Strategic acquisitions
- Technological innovation
- Growth in employer HSA contribution
Threats
- Changes in healthcare regulations
- Increased competition
- Economic downturn
- Cybersecurity risks
- Data privacy concerns
Competitors and Market Share
Key Competitors
- WEX (WEX)
- Optum Bank (UNH)
- Lively (Private)
- Fidelity (Private)
Competitive Landscape
HealthEquity has a strong technological foundation and an innovative product portfolio to distinguish itself from the competition. However, due to the presence of larger, more well-known rivals, HealthEquity must keep innovating to maintain its competitive edge.
Major Acquisitions
Further
- Year: 2021
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded HealthEquity's capabilities in consumer-directed benefits administration and broadened its client base.
Growth Trajectory and Initiatives
Historical Growth: HealthEquity has demonstrated substantial historical growth driven by organic growth and strategic acquisitions.
Future Projections: Future growth projections vary based on analyst estimates. Consult analyst reports for detailed projections.
Recent Initiatives: Recent initiatives include technology platform enhancements, partnerships with healthcare providers, and expansion of service offerings.
Summary
HealthEquity is a major player in the HSA market, benefiting from a strong technological platform and strategic acquisitions. The company's growth potential is fueled by the increasing adoption of HDHPs. Regulatory changes and increasing competition, however, pose possible risks. Overall, the company's emphasis on customer service and innovation bodes well for its future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- HealthEquity Investor Relations
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary. Please consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HealthEquity Inc
Exchange NASDAQ | Headquaters Draper, UT, United States | ||
IPO Launch date 2014-07-31 | CEO, President & Director Mr. Scott R. Cutler J.D. | ||
Sector Healthcare | Industry Health Information Services | Full time employees 3105 | Website https://www.healthequity.com |
Full time employees 3105 | Website https://www.healthequity.com | ||
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It provides health savings accounts; investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. The company also offers flexible spending accounts for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves clients through a direct sales force; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.
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