HealthEquity · Health Care
HQY
$97.67
HealthEquity, Inc. is an American financial technology and business services company that is designated as a non-bank health savings trustee by the IRS.HealthEquity,Inc.是一家美国金融科技和商业服务公司，被美国国税局指定为非银行健康储蓄受托人。
Mixed profile混合特征
Mid cap中盘
$8B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (momentum is fading — the daily moment已错过筑底入场——低点已经形成，目前价格已拉伸（动量正在衰竭——日线动量已开始掉头向下）。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Key Statistics关键统计
Price价格
$97.67
7.4% below 52-week high低于52周高点 7.4%
Market Cap市值
$8B
Normal volume正常成交量
P/E Ratio市盈率
38.6x
28.9x sector median
Beta贝塔
0.70
Moves about 0.7x the market波动幅度约为市场的 0.7 倍
RSI (14)RSI（14）
65
Elevated偏高
Volatility Rank波动率分位
46th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
6.2% of float
Performance价格表现
| Period周期 | HQY | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +3.5% | -1.5% | Beat the index by 5.0 points跑赢指数 5.0 个百分点 |
| 1 Month近1月 | +13.1% | +0.6% | Beat the index by 12.5 points跑赢指数 12.5 个百分点 |
| 3 Months近3月 | +13.5% | +4.7% | Beat the index by 8.8 points跑赢指数 8.8 个百分点 |
| 6 Months近6月 | +14.4% | +7.8% | Beat the index by 6.6 points跑赢指数 6.6 个百分点 |
| Year to date年初至今 | +7.2% | +9.1% | Lagged the index by 1.9 points落后指数 1.9 个百分点 |
| 1 Year近1年 | -2.4% | +19.4% | Lagged the index by 21.8 points落后指数 21.8 个百分点 |
| 3 Years近3年 | +52.3% | +69.4% | Lagged the index by 17.1 points落后指数 17.1 个百分点 |
Technicals技术面
RSI (14)RSI（14）
65
Elevated偏高
vs 50-day相对50日均线
+10.5% vs 50-day avg
vs 200-day相对200日均线
+10.8% vs 200-day avg
Volatility rank波动率分位
46th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$93.86
Don't chase above不追高于
$97.67
Stop止损
$83.43
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
Estimates being cut预期下调
Post-earnings drift: +3.9% (20d)财报后漂移：+3.9%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | HQY | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 38.58x | 28.92 | 28% |
| P/B市净率 | 3.94x | 3.52 | 43% |
| P/S市销率 | 6.32x | 3.02 | 23% |
| Earnings yield盈利收益率 | 2.59% | 2.72 | 47% |
| FCF yield自由现金流收益率 | 5.48% | 3.94 | 70% |
| Shareholder yield股东收益率 | 3.60% | 1.89 | 72% |
| EV/EBITDA企业价值/EBITDA | 18.74x | 18.21 | 49% |
| P/FCF市值/自由现金流 | 18.24x | 22.42 | 65% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 12.4%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 83.0%
Free Cash Flow自由现金流
Margins利润率
10.2%Return on Equity股本回报率
6.4%Return on Assets资产回报率
Leverage杠杆
| Net debt / EBITDA净债务/EBITDA | 1.34 |
| Current ratio流动比率 | 3.27 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $299.3M |
| Stock-based comp股权薪酬 | $73.1M |
| Share count change (1y)股数变化（1年） | -1.8% |
Piotroski皮奥特罗斯基 9/9
Altman Z阿尔特曼Z: safe (4.8)
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 43% of its sector on blended multiples综合估值倍数低于行业内 43% 的公司
Beta市场敏感度
0.70×
0.21×3×
Moves about 0.7× the market波动幅度约为市场的 0.7 倍
Financial Health财务健康
9/9
Altman阿尔特曼: safe
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Macro宏观
Long-duration name into a restrictive, rising-real-rate regime → rate headwind.长久期标的进入偏紧、实际利率上行的环境→利率逆风。
Positioning持仓
Short interest changed +14.3%空头仓位变动 +14.3%
Technical技术面
Golden cross on HQYHQY 金叉
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$2.1M net (0 buyers, 4 sellers)-$2.1M 净值（0 买家，4 卖家）
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Polen Capital Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 17, 2026
Golden cross on HQYHQY 金叉
The 50-day average crossed above the 200-day — a slow, widely-watched bullish trend signal. $97.67.50日均线上穿200日均线 — 一个滞后但广受关注的看多趋势信号。$97.67。
Jul 16, 2026
HQY took relative-strength leadershipHQY 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $98.69.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$98.69。
Jul 15, 2026
NEARING A LOW → UPTREND接近低点 → 上涨趋势
HOLD持有
Jul 14, 2026
BOTTOMING → NEARING A LOW筑底中 → 接近低点
GET READY准备
Jul 13, 2026
HQY took relative-strength leadershipHQY 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $95.66.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$95.66。
Jul 9, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 7, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
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Factor Profile因子特征
Composite factor score综合因子得分: 0.01
Value价值
-0.6
Profitability盈利能力
-0.2
Quality质量
+0.2
Investment资本投入
+0.6
Shareholder payout股东回报
-0.1
Low volatility低波动
+0.2
Low market beta低市场敏感度
+0.2
Earnings quality盈利质量
+0.4
Short interest空头兴趣
-0.2
Company Profile公司档案
HealthEquity, Inc. is an American financial technology and business services company that is designated as a non-bank health savings trustee by the IRS.HealthEquity,Inc.是一家美国金融科技和商业服务公司，被美国国税局指定为非银行健康储蓄受托人。
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