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Healthequity (HQY)
NASDAQ:HQY
US Market
HQY
Healthequity
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Healthequity (HQY) Ratios

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Healthequity Ratios

HQY's free cash flow for Q4 2026 was $0.92. For the 2026 fiscal year, HQY's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.
Ratios
TTM
Jan 26Jan 25Jan 24Jan 23
Liquidity Ratios
Current Ratio
 3.27 3.27 3.06 4.76 2.92
Quick Ratio
 3.27 3.27 3.06 4.76 2.92
Cash Ratio
 2.03 2.03 1.89 3.45 1.94
Solvency Ratio
 0.16 0.16 0.19 0.18 0.11
Operating Cash Flow Ratio
 2.91 2.91 2.17 2.07 1.15
Short-Term Operating Cash Flow Coverage
 46.12 46.12 0.00 0.00 8.61
Net Current Asset Value
$ -812.57M$ -812.57M$ -855.89M$ -571.33M$ -810.37M
Leverage Ratios
Debt-to-Assets Ratio
 0.29 0.29 0.32 0.29 0.32
Debt-to-Equity Ratio
 0.48 0.48 0.52 0.46 0.52
Debt-to-Capital Ratio
 0.32 0.32 0.34 0.31 0.34
Long-Term Debt-to-Capital Ratio
 0.31 0.31 0.33 0.30 0.32
Financial Leverage Ratio
 1.63 1.63 1.63 1.55 1.63
Debt Service Coverage Ratio
 3.88 3.88 5.25 4.74 2.78
Interest Coverage Ratio
 5.64 5.64 3.79 2.31 0.78
Debt to Market Cap
 0.13 0.13 0.11 0.14 0.18
Interest Debt Per Share
 12.29 12.29 13.46 11.55 12.35
Net Debt to EBITDA
 2.12 2.12 2.41 1.87 4.32
Profitability Margins
Gross Profit Margin
69.52%69.52%57.73%53.01%45.90%
EBIT Margin
24.55%24.55%14.59%12.94%1.20%
EBITDA Margin
24.55%24.55%28.13%28.25%19.90%
Operating Profit Margin
24.55%24.55%19.18%12.82%4.37%
Pretax Profit Margin
21.12%21.12%9.67%7.51%-4.42%
Net Profit Margin
16.38%16.38%8.06%5.57%-3.03%
Continuous Operations Profit Margin
16.38%16.38%8.06%5.57%-3.03%
Net Income Per EBT
77.57%77.57%83.34%74.24%68.62%
EBT Per EBIT
86.04%86.04%50.43%58.56%-101.18%
Return on Assets (ROA)
6.27%6.27%2.80%1.76%-0.85%
Return on Equity (ROE)
10.11%10.21%4.57%2.74%-1.38%
Return on Capital Employed (ROCE)
9.85%9.85%6.99%4.21%1.27%
Return on Invested Capital (ROIC)
7.61%7.61%5.81%3.11%0.87%
Return on Tangible Assets
31.34%31.34%16.23%8.20%-5.18%
Earnings Yield
2.97%2.92%1.01%0.86%-0.51%
Efficiency Ratios
Receivables Turnover
 10.62 10.62 10.17 9.53 8.90
Payables Turnover
 32.92 32.92 35.32 39.01 33.55
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 33.26 33.26 25.84 18.38 12.43
Asset Turnover
 0.38 0.38 0.35 0.32 0.28
Working Capital Turnover Ratio
 3.58 3.88 3.15 2.89 3.83
Cash Conversion Cycle
 23.29 23.29 25.57 28.95 30.13
Days of Sales Outstanding
 34.37 34.37 35.90 38.30 41.02
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 11.09 11.09 10.33 9.36 10.88
Operating Cycle
 34.37 34.37 35.90 38.30 41.02
Cash Flow Ratios
Operating Cash Flow Per Share
 5.31 5.31 3.91 2.84 1.78
Free Cash Flow Per Share
 5.10 5.28 3.89 2.30 0.37
CapEx Per Share
 0.21 0.02 0.02 0.54 1.41
Free Cash Flow to Operating Cash Flow
 0.96 1.00 0.99 0.81 0.21
Dividend Paid and CapEx Coverage Ratio
 25.36 232.15 163.08 5.27 1.26
Capital Expenditure Coverage Ratio
 25.36 232.15 163.08 5.27 1.26
Operating Cash Flow Coverage Ratio
 0.46 0.46 0.31 0.26 0.15
Operating Cash Flow to Sales Ratio
 0.35 0.35 0.28 0.24 0.17
Free Cash Flow Yield
6.10%6.17%3.52%3.04%0.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 33.70 34.29 99.19 116.08 -196.55
Price-to-Sales (P/S) Ratio
 5.48 5.62 7.99 6.47 5.96
Price-to-Book (P/B) Ratio
 3.44 3.50 4.54 3.18 2.71
Price-to-Free Cash Flow (P/FCF) Ratio
 16.38 16.21 28.40 32.87 163.00
Price-to-Operating Cash Flow Ratio
 15.87 16.14 28.22 26.63 34.11
Price-to-Earnings Growth (PEG) Ratio
 2.57 0.27 1.40 -0.37 4.73
Price-to-Fair Value
 3.44 3.50 4.54 3.18 2.71
Enterprise Value Multiple
 24.43 25.00 30.82 24.77 34.27
Enterprise Value
 7.88B 8.06B 10.40B 7.00B 5.88B
EV to EBITDA
 24.43 25.00 30.82 24.77 34.27
EV to Sales
 6.00 6.14 8.67 7.00 6.82
EV to Free Cash Flow
 17.94 17.71 30.80 35.56 186.48
EV to Operating Cash Flow
 17.23 17.64 30.62 28.81 39.02
Tangible Book Value Per Share
 -7.41 -7.41 -8.49 -5.25 -8.16
Shareholders’ Equity Per Share
 24.46 24.46 24.35 23.78 22.45
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.17 0.26 0.31
Revenue Per Share
 15.25 15.25 13.81 11.68 10.21
Net Income Per Share
 2.50 2.50 1.11 0.65 -0.31
Tax Burden
 0.78 0.78 0.83 0.74 0.69
Interest Burden
 0.86 0.86 0.66 0.58 -3.69
Research & Development to Revenue
 0.20 0.20 0.20 0.22 0.22
SG&A to Revenue
 0.25 0.25 0.19 0.10 0.11
Stock-Based Compensation to Revenue
 0.06 0.06 0.08 0.08 0.07
Income Quality
 2.12 2.12 3.51 4.36 -5.76
Currency in USD