Provides cloud-based platforms for managing health savings accounts (HSAs). Offers tools for paying healthcare bills and comparing treatment options. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 15% a year over the last 4 years. Red columns mark years that ended in a loss.
The gap is $682.6M. In times of high interest rates, a gap like that can squeeze a company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
A solid grade overall — yet the debt outweighs the cash. The strength here comes from earnings power.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 16% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 16% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 15% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
The company’s market value is 37 times its annual profit. Even a small disappointment could hit the price hard.
On our five-subject report card, HQY sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: HQY is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (57/100) says the stock isn’t cheap.