HealthEquity, Inc. (HQY) Stock Analysis

Q: What is the HQY stock price target?

Take-profit $101.59 (+20.0% upside). Target $101.59 (+20.0%), stop $79.79 (−6.1%), A.R:R 2.2:1.

Recovery setup · Catalyst-Driven edge

HoldDEATH CROSS (EXEMPT)Moderate ConfidenceUpdated 16 hr ago (May 20, 2026, 1:36 AM ET)

Healthcare · Health Information Services

Hold if already holding. Not a fresh buy at $84.65, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.7%/30d (confirmed downtrend).

$84.65+20.0% A.UpsideScore 6.1/10#3 of 13 Health Information Services

QualityF-score9 / 9FCF yield4.86%

Stop $79.79Target $101.59(analyst − 10%)A.R:R 2.2:1

Analyst target$112.88+33.3%16 analysts

$101.59our TP

$84.65price

$112.88mean

$128

Hold if already holding. Not a fresh buy at $84.65, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.7%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 63. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 8/10 gates (positive momentum, favorable risk/reward ratio, clean insider activity, positive momentum, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

Recent Developments — HealthEquity, Inc.

Latest news

This Equinix Analyst Begins Coverage On A Bullish Note; Here Are Top 5 Initiations For Thursday — benzinga Apr 9, 2026 neutral
Texas Instruments To Rally Around 20%? Here Are 10 Top Analyst Forecasts For Thursday — benzinga Apr 9, 2026 positive

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards

V7 quality resilience bonus: +0.2 (Q=7.6 in RISK_OFF)

Sector modifier (Healthcare): +0.5

Strong earnings beat streak (4/4)

Risks

Below 200-MA, MA slope -2.7%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)33.8

P/E (Fwd)15.5

Mkt Cap$7.0B

EV/EBITDA16.0

Profit Mgn16.4%

ROE10.2%

Rev Growth7.3%

Beta0.19

DividendNone

Rating analysts20

Quality Signals

Piotroski F9/9MoatNarrow

Options Flow

P/C0.75neutral

IV50%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value6.115%0.91

Quality7.615%1.14

Growth7.215%1.08

Momentum6.810%0.68

Sentiment6.410%0.64

Insider Activity5.010%0.50

Peer Rank3.410%0.34

Technical Setup2.25%0.11

Risk Profile7.05%0.35

Catalyst7.35%0.36

Overall (Σ contributions)6.12

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance

0.8

Bollinger

1.3

52w Position

4.5

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank

2.3

Value Rank

4.1

Quality Rank

7.3

GatesDeath cross exempted (quality + momentum high enough)EARNINGS PROXIMITY 9d<=14d (soft)Momentum 6.8>=5.5A.R:R 2.2 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate

RSI

63 · Neutral

↑ 20D MA↑ 50D MA↓ 200D MADEATH CROSSSupport $76.97Resistance $85.30

Price Targets

$80

$102

A.Upside+20.0%

A.R:R2.2:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeRisk-Off

Analyst Consensus

Analysts20

Consensus4.2/5

Avg Target$113

Earnings

4/4 beats

Next Earnings2026-05-28 (9d)

Verdict History

reverse chrono — latest first

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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is HQY stock a buy right now?

Hold if already holding. Not a fresh buy at $84.65, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -2.7%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 63. Maintain position. Not compelling to add more. Target $101.59 (+20.0%), stop $79.79 (−6.1%), A.R:R 2.2:1. Score 6.1/10, moderate confidence.

What is the HQY stock price target?

Take-profit target: $101.59 (+20.0% upside). Target $101.59 (+20.0%), stop $79.79 (−6.1%), A.R:R 2.2:1. Stop-loss: $79.79.

What are the risks of investing in HQY?

Below 200-MA, MA slope -2.7%/30d (confirmed downtrend).

Is HQY overvalued or undervalued?

HealthEquity, Inc. trades at a P/E of 33.8 (forward 15.5). TrendMatrix value score: 6.1/10. Verdict: Hold.

What do analysts say about HQY?

20 analysts cover HQY with a consensus score of 4.2/5. Average price target: $113.

What does HealthEquity, Inc. do?HealthEquity is the largest HSA provider by number of accounts, administering 10.6 million HSAs with $36.5 billion in...

HealthEquity is the largest HSA provider by number of accounts, administering 10.6 million HSAs with $36.5 billion in assets and 7.2 million complementary CDBs (FSAs, HRAs, COBRA) as of January 31, 2026. Revenue comes from service fees, custodial fees from insurance company and bank partners holding HSA cash (~48% of revenues in fiscal 2026), and interchange fees (~15%). Custodial revenue is sensitive to interest rate levels.