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HealthEquity, Inc.
HQYHealthcareNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.31B | 16.4% | $215.40M | $455.76M | N/A |
| 2027 | $1.41B | 16.4% | $231.99M | $490.85M | $446.23M |
| 2028 | $1.52B | 16.4% | $249.85M | $528.65M | $436.90M |
| 2029 | $1.64B | 16.4% | $269.09M | $569.36M | $427.76M |
| 2030 | $1.77B | 16.4% | $289.81M | $613.20M | $418.82M |
| 2031 | $1.90B | 16.4% | $312.13M | $660.41M | $410.06M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.46 | 2026-01-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | $25.795 | EPS × (1 + G)^5 |
| Base P/E | 34.3 | P/E |
| Future price | $884.77 | Future EPS × P/E |
| Fair value today | $549.37 | PV @ 10.0% |
| 30% safety price | $384.56 | Margin of safety |
| 50% safety price | $274.69 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $88.02 | $99.552 | $115.28 |
| 10.0% | $76.352 | $84.855 | $95.973 |
| 11.0% | $67.152 | $73.626 | $81.826 |