HQY vs the Top Picks average
| Pillar | HQY | Book avg | Diff |
|---|---|---|---|
| Quality | 0.71 | 0.84 | -0.13 |
| Growth | 0.62 | 0.84 | -0.22 |
| Value | 0.67 | 0.78 | -0.11 |
Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Analyst estimate revisions
| 30-day change | +0.0% |
|---|---|
| 90-day change | -0.7% |
| Forward EPS estimate | $5.45 |
Over the last 90 days, what analysts expect HQY to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
HealthEquity, Inc. (HQY): score, valuation & FAQ
HealthEquity, Inc. (HQY) is a Health Information Services company that scores 66.5 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
On valuation, HQY sits about 6% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 8% annual free-cash-flow growth over the next decade.
Is HQY a good stock to buy?
Bull Rankings scores HQY 66.5 out of 100 on its quality-growth model, which is a solid, above-average reading. A score is a quantitative screen of HealthEquity, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does HQY score 66.5 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). HQY grades middle-of-pack across the strip. Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is HQY overvalued or undervalued?
Based on $105.41, HQY sits about 6% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 8% annual free-cash-flow growth over the next decade. It trades at a 39.5x P/E (graded C+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in HQY?
Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 39x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.