Healthequity, INC. (HQY) — SEC Filings

Q: What are the key financial highlights for Healthequity, INC.?

Key financial highlights for Healthequity, INC. are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Healthequity, INC.?

Key executives at Healthequity, INC. are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Healthequity, INC. stock?

Risk factors for Healthequity, INC. (HQY) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Healthequity, INC.?

Forward-looking statements and predictions from Healthequity, INC. are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Healthequity, INC.. Recent 10-Q filing on Dec 3, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View Healthequity, INC. on SEC EDGAR

Overview

Healthequity, INC. (HQY) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Dec 3, 2025: HealthEquity, Inc. reported a significant increase in net income for the three and nine months ended October 31, 2025. For the three-month period, net income surged to $51.69 million, up from $5.70 million in the prior year, representing an 806% increase. Nine-month net income also saw substantial g

Sentiment Summary

Across 31 filings, the sentiment breakdown is: 3 bullish, 28 neutral. The dominant filing sentiment for Healthequity, INC. is neutral.

Filing Type Overview

Healthequity, INC. (HQY) has filed 5 10-Q, 18 8-K, 2 DEF 14A, 2 10-K, 4 SC 13G/A with the SEC between Jan 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (31)

HealthEquity's Net Income Soars 806% on Strong Custodial Revenue, Cost Cuts — 10-Q · Dec 3, 2025 Risk: low
HealthEquity, Inc. reported a significant increase in net income for the three and nine months ended October 31, 2025. For the three-month period, net income su
HealthEquity's Net Income Soars 67% on Strong Custodial Revenue Growth — 10-Q · Sep 2, 2025 Risk: low
HealthEquity, Inc. reported a significant increase in net income for the three and six months ended July 31, 2025. Net income for the three months rose to $59.8
HealthEquity Files 8-K on Shareholder Votes & Reg FD — 8-K · Jun 27, 2025 Risk: low
HealthEquity, Inc. filed an 8-K on June 27, 2025, reporting on matters submitted to a vote of security holders, Regulation FD disclosures, and financial stateme
HealthEquity's Q1 Revenue Jumps 14.8%, Net Income Soars 50% — 10-Q · Jun 3, 2025 Risk: low
HEALTHEQUITY, INC. reported a robust first quarter for fiscal year 2026, with total revenue increasing by 14.8% to $270.0 million for the three months ended Apr
HealthEquity Files Annual Executive Compensation Report — DEF 14A · May 13, 2025 Risk: medium
HealthEquity, Inc. filed its DEF 14A on May 13, 2025, detailing executive compensation for the fiscal year ending January 31, 2025. The filing includes informat
HealthEquity CFO Departs; New Directors Elected — 8-K · Apr 28, 2025 Risk: medium
HealthEquity, Inc. announced on April 22, 2025, the departure of its Chief Financial Officer, Timothy A. Cook. The company has appointed Stephen J. D. B. Smith
HealthEquity Files 2025 10-K Report — 10-K · Mar 18, 2025 Risk: medium
HealthEquity, Inc. filed its 2025 10-K report on March 18, 2025, detailing its fiscal year ending January 31, 2025. The company, headquartered in Draper, Utah,
HealthEquity Files 8-K on Financials — 8-K · Feb 18, 2025 Risk: low
HealthEquity, Inc. filed an 8-K on February 18, 2025, reporting on its results of operations and financial condition, and including financial statements and exh
HealthEquity Files 8-K for Regulatory and Financial Reporting — 8-K · Jan 13, 2025 Risk: low
HealthEquity, Inc. filed an 8-K on January 13, 2025, to report information under Regulation FD and to file financial statements and exhibits. The filing does no
HealthEquity Files Q3 FY25 10-Q — 10-Q · Dec 9, 2024 Risk: medium
HealthEquity, Inc. filed its 10-Q for the period ending October 31, 2024. The filing covers the third quarter and the first nine months of fiscal year 2025. Key
HealthEquity Enters Material Definitive Agreement — 8-K · Nov 29, 2024 Risk: medium
HealthEquity, Inc. announced on November 27, 2024, that it entered into a Material Definitive Agreement. The filing does not provide specific details about the
HealthEquity Announces CEO, Board Changes — 8-K · Nov 12, 2024 Risk: medium
HealthEquity, Inc. announced on November 11, 2024, a series of executive and board changes. These include the appointment of Jon Kessler as Chief Executive Offi
HealthEquity Q2 2025 Filing: Financial Performance Update — 10-Q · Sep 3, 2024 Risk: medium
HealthEquity, Inc. filed its 10-Q for the period ending July 31, 2024. The company reported financial results for the second quarter and the first six months of
HealthEquity Terminates Agreement, Enters New One — 8-K · Aug 27, 2024 Risk: medium
HealthEquity, Inc. announced on August 23, 2024, the termination of a material definitive agreement and entered into a new material definitive agreement. The co
HealthEquity Files 8-K — 8-K · Jul 2, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on July 2, 2024, to report other events and financial statements. The filing does not contain specific details about the nature
HealthEquity Appoints New CFO, Elects Directors — 8-K · Jun 27, 2024 Risk: medium
HealthEquity, Inc. announced on June 27, 2024, a series of significant corporate actions. These include the appointment of Steven A. Steele as Chief Financial O
HealthEquity Files 8-K on Financials — 8-K · Jun 3, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on June 3, 2024, to report on its results of operations and financial condition, as well as to file financial statements and exh
HealthEquity Files 8-K for Disclosure and Exhibits — 8-K · May 28, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on May 28, 2024, to report a Regulation FD Disclosure and Financial Statements and Exhibits. The filing does not contain specifi
HealthEquity Annual Meeting: Director Election, Auditor Ratification, Pay Vote — DEF 14A · May 17, 2024 Risk: low
HealthEquity, Inc. is holding its 2024 Annual Meeting of Stockholders on June 27, 2024, at 10:00 a.m. Mountain Time. Key agenda items include electing 10 direct
HealthEquity Completes Further Acquisition — 8-K · May 14, 2024 Risk: medium
HealthEquity, Inc. announced on May 9, 2024, the completion of its acquisition of Further, Inc. The transaction involved the issuance of approximately 10.1 mill
HealthEquity Appoints New Chief Legal Officer — 8-K · Apr 25, 2024 Risk: low
On April 25, 2024, HealthEquity, Inc. announced the appointment of Michelle L. Johnson as Chief Legal Officer and General Counsel, effective May 6, 2024. Johnso
HealthEquity Files 8-K — 8-K · Apr 15, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on April 15, 2024, to report an event that occurred on April 11, 2024. The filing is a Regulation FD Disclosure and includes Fin
HealthEquity, Inc. Files 2024 10-K Report — 10-K · Mar 22, 2024 Risk: medium
HEALTHEQUITY, INC. (HQY) filed a Annual Report (10-K) with the SEC on March 22, 2024. HealthEquity, Inc. filed its 10-K report for the fiscal year ending Januar
HealthEquity Files 8-K for Financial Updates — 8-K · Mar 19, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on March 19, 2024, to report on its results of operations and financial condition, as well as to file financial statements and e
HealthEquity Files 8-K — 8-K · Mar 13, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on March 13, 2024, reporting an event on March 7, 2024. The filing is primarily a Regulation FD Disclosure and includes financia
HealthEquity Files 8-K on Operations and Financial Condition — 8-K · Feb 21, 2024 Risk: low
HealthEquity, Inc. filed an 8-K on February 21, 2024, reporting on its results of operations and financial condition. The filing indicates that the company, inc
SC 13G/A Filing — SC 13G/A · Feb 13, 2024
FMR LLC & Abigail Johnson Report 6.075% Stake in HealthEquity — SC 13G/A · Feb 9, 2024 Risk: low
FMR LLC, a major investment firm, and its principal owner, Abigail P. Johnson, have updated their ownership stake in HealthEquity Inc. (HQY) through an SC 13G/A
Wasatch Advisors LP Reports 8.0% Stake in HealthEquity (HQY) — SC 13G/A · Feb 9, 2024 Risk: low
Wasatch Advisors LP, an investment adviser, has updated its ownership stake in HealthEquity, Inc. (HQY) to 8.0% of the common stock, holding 6,839,831 shares wi
BlackRock Amends HEALTHEQUITY Stake, Signals Continued Confidence — SC 13G/A · Jan 23, 2024
BlackRock Inc. filed an amended SC 13G/A on January 23, 2024, indicating a change in its ownership of HEALTHEQUITY, INC. Common Stock as of December 31, 2023. T
HealthEquity Confirms Non-Emerging Growth Status in 8-K Filing — 8-K · Jan 8, 2024
HealthEquity, Inc. filed an 8-K on January 8, 2024, primarily to disclose that it is not an emerging growth company. This filing, under Regulation FD Disclosure

Risk Profile

Risk Assessment: Of HQY's 28 recent filings, 0 were flagged as high-risk, 11 as medium-risk, and 17 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Healthequity, INC.'s most recent 10-Q filing (Dec 3, 2025):

Revenue: $322.16M
Net Income: $51.69M
EPS: $0.59
Debt-to-Equity: 0.46
Cash Position: $309.26M
Operating Margin: 26.1%
Total Assets: $3,398.06M
Total Debt: $982.11M

Key Executives

Scott Cutler
Jon Kessler
Timothy A. Cook
Stephen J. D. B. Smith
Robert E. M.
David M. S.
Steven A. Steele
David A. Snow
Dr. David M. Smith
Michelle L. Johnson
Abigail P. Johnson

Industry Context

HealthEquity operates in the rapidly growing consumer-directed healthcare market, administering HSAs and other benefits. The industry is characterized by increasing consumer engagement in healthcare spending decisions and a demand for integrated technology solutions. Key trends include consolidation among administrators and a focus on providing comprehensive platforms that simplify benefits management for employers and employees.

Top Tags

financial-reporting (6) · 8-K (5) · sec-filing (4) · institutional-ownership (3) · amendment (3) · Revenue Growth (2) · Profitability (2) · Financial Services (2) · corporate-governance (2) · disclosure (2)

Key Numbers

Net Income (Q3 2025): $51.69M — Increased 806% from $5.70M in Q3 2024
Net Income (9 months 2025): $165.46M — Increased 135% from $70.34M in 9 months 2024
Total Revenue (Q3 2025): $322.16M — Increased 7.2% from $300.43M in Q3 2024
Custodial Revenue (Q3 2025): $159.07M — Increased 12.8% from $140.95M in Q3 2024
Merger Integration Costs (Q3 2025): $1.16M — Decreased 96.6% from $34.44M in Q3 2024
Long-term Debt (Oct 31, 2025): $982.11M — Decreased $74.20M from $1,056.30M at Jan 31, 2025
Cash and Cash Equivalents (Oct 31, 2025): $309.26M — Increased from $295.95M at Jan 31, 2025
Diluted EPS (Q3 2025): $0.59 — Increased from $0.06 in Q3 2024
Net Income (3 months): $59.85M — Increased 67.1% from $35.82M year-over-year
Net Income (6 months): $113.77M — Increased 76.0% from $64.64M year-over-year
Total Revenue (3 months): $325.84M — Increased 8.6% from $299.93M year-over-year
Total Revenue (6 months): $656.68M — Increased 11.8% from $587.53M year-over-year
Custodial Revenue (3 months): $159.88M — Increased 15.3% from $138.68M year-over-year
Total Operating Expenses (3 months): $142.98M — Decreased 1.5% from $145.12M year-over-year
Common Stock Repurchases (6 months): $125.81M — Significant capital return to shareholders

Forward-Looking Statements

{"claim":"FMR LLC will maintain a significant, passive stake in HealthEquity Inc. for the foreseeable future.","entity":"FMR LLC","targetDate":"2025-02-09","confidence":"high"}
{"claim":"HealthEquity Inc. will continue to be viewed as an attractive investment by large institutional investors.","entity":"HEALTHEQUITY, INC.","targetDate":"2025-02-09","confidence":"medium"}
{"claim":"Wasatch Advisors LP will maintain a significant stake in HealthEquity, Inc. for the foreseeable future.","entity":"Wasatch Advisors LP","targetDate":"2025-02-09","confidence":"medium"}

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Frequently Asked Questions

What are the latest SEC filings for Healthequity, INC. (HQY)?

Healthequity, INC. has 31 recent SEC filings from Jan 2024 to Dec 2025, including 18 8-K, 5 10-Q, 4 SC 13G/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of HQY filings?

Across 31 filings, the sentiment breakdown is: 3 bullish, 28 neutral. The dominant sentiment is neutral.

Where can I find Healthequity, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Healthequity, INC. (HQY) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Healthequity, INC.?

Key financial highlights from Healthequity, INC.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for HQY?

The investment thesis for HQY includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Healthequity, INC.?

Key executives identified across Healthequity, INC.'s filings include Scott Cutler, Jon Kessler, Timothy A. Cook, Stephen J. D. B. Smith, Robert E. M. and 6 others.

What are the main risk factors for Healthequity, INC. stock?

Of HQY's 28 assessed filings, 0 were flagged high-risk, 11 medium-risk, and 17 low-risk.

What are recent predictions and forward guidance from Healthequity, INC.?

Recent forward-looking statements from Healthequity, INC. include guidance on {"claim":"FMR LLC will maintain a significant, passive stake in HealthEquity Inc. for the foreseeable future.","entity": and 2 other predictions.