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Core Insights - HealthEquity is focused on modernizing its platform to enhance its operational efficiency and engagement with users [2] - The company serves over 17 million consumer-directed benefit accounts and manages over $34 billion in Health Savings Account (HSA) assets, positioning itself as a leader in the U.S. HSA market [3] Company Overview - HealthEquity operates the leading HSA platform in the United States, emphasizing its scale and market presence [3] - The leadership team, including the CEO and founder, is committed to executing a disciplined strategy to strengthen the company's foundation and create a sustainable business model [2] Strategic Focus - The company has implemented a focused playbook aimed at driving engagement and operational discipline, which is crucial for its long-term success [2] - The modernization of the platform is a key initiative to transform HealthEquity into a true platform company, enhancing its service offerings [2]

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HealthEquity Conference Call Summary Company Overview - **Company**: HealthEquity - **Industry**: Health Savings Accounts (HSAs) - **Key Metrics**: - Serves over 17 million consumer-directed benefit accounts - Manages over $34 billion in HSA assets - Average member contribution: approximately $1,800 per year - Average member spending on qualified medical care: approximately $1,300 per year - Members have $16.9 billion in HSA cash and $17.5 billion in invested assets, with invested assets growing 29% year over year [3][14] Core Business Insights - HealthEquity operates the leading HSA platform in the U.S., focusing on HSAs as a solution to rising healthcare costs and affordability [3][4] - The company emphasizes the importance of HSAs as a critical financial infrastructure for managing healthcare expenses [5] - Engagement and utilization of HSAs are key to driving member value and improving economic outcomes [8][9] Strategic Initiatives - **Digital Transformation**: HealthEquity is enhancing its platform with a mobile-first strategy and AI-driven service enhancements to improve member engagement and operational efficiency [10][11][38] - **Marketplace Expansion**: The company is expanding its marketplace offerings to connect members with health solutions, thereby creating new revenue streams [15][36] - **Policy Engagement**: HealthEquity is actively involved in policy discussions to expand access to HSAs, which aligns with long-term healthcare affordability [9] Market Dynamics - The U.S. healthcare system is shifting more financial responsibility to individuals, increasing the relevance of HSAs [4][5] - The company is seeing growth in the retail and bronze market segments, with new eligibility bringing participants into the HSA ecosystem [6] - HealthEquity is positioned to benefit from the trend of employers adopting high-deductible health plans, which encourages employees to utilize HSAs [19][20] Financial Guidance - HealthEquity anticipates a revenue growth of approximately 7% at the midpoint for the upcoming year, driven by account growth, increased contributions, and marketplace revenue [22] - The company aims to continue expanding its EBITDA through efficient cost management relative to revenue growth [18] Competitive Landscape - HealthEquity acknowledges competition from retirement firms and other players in the HSA space but believes its extensive partner network and unique value proposition will maintain its market leadership [43][44] - The company is focused on enhancing its service offerings and fraud prevention measures to retain its competitive edge [44][49] Capital Allocation - HealthEquity prioritizes funding its business, pursuing strategic M&A opportunities, and returning capital to shareholders through share repurchases [49][51] - The company has a $600 million share purchase authorization and is actively buying back stock while managing its debt levels [51] Conclusion - HealthEquity is well-positioned to capitalize on the growing importance of HSAs in the U.S. healthcare landscape, with a strong focus on digital engagement, marketplace expansion, and operational efficiency. The company is committed to enhancing member experiences while navigating a competitive and evolving market environment [15][16][52]

Powering how Americans save, spend, and invest in health Copyright © 2026 HealthEquity, Inc. All rights reserved. | HealthEquity does not provide legal, tax or financial advice. Investor presentation 1 #1 HSA provider 1 in 4 HSAs in the US are with us +100k clients 200+ Network partners 10.1M HSAs +6% YoY $34.4B HSA assets +15% YoY 17.3M Total Accounts +5% YoY Source: HealthEquity key metrics reported as of Oct 31, 2025. #1 HSA by number of accounts based on 2025 Midyear Devenir HSA report, October 9, 2025. ...

Core Insights - HealthEquity, Inc. is the largest health savings account custodian in the U.S. and a leading provider of consumer-directed benefits, announcing its initial outlook for fiscal year 2027 and reaffirming guidance for fiscal year 2026 [1][3] Financial Outlook - For fiscal year ending January 31, 2027, the company expects revenues between $1.38 billion and $1.41 billion, with an Adjusted EBITDA margin of 43.8% to 44.3% and a yield on HSA Cash of approximately 3.75% [2] Strategic Positioning - The company has modernized its business, enhancing security, accelerating digital experiences, and driving engagement, positioning itself for durable growth and long-term shareholder value [3] - HealthEquity collaborates with over 200 integrated Network Partners, including health and retirement plan partners, brokers, and benefit advisors, to address healthcare affordability challenges [3] Investor Engagement - The company will present its fiscal 2027 estimates and expectations at the 44th Annual J.P. Morgan Healthcare Conference on January 13, 2026 [3][4]

Core Viewpoint - HealthEquity (HQY) has received an upgrade to a Zacks Rank 2 (Buy), indicating a positive outlook based on rising earnings estimates, which are a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Performance - The Zacks rating system is based on changes in earnings estimates, which are strongly correlated with near-term stock price movements, making it a valuable tool for investors [2][4]. - For HealthEquity, the recent upgrade reflects an improvement in the company's underlying business, suggesting that investor sentiment may lead to increased stock prices [5]. Earnings Estimate Revisions - HealthEquity is expected to earn $3.89 per share for the fiscal year ending January 2026, which remains unchanged from the previous year, but the Zacks Consensus Estimate has increased by 1.6% over the past three months [8]. Zacks Rank System - The Zacks Rank system classifies stocks into five groups based on earnings estimates, with a proven track record of generating significant returns, particularly for Zacks Rank 1 stocks, which have averaged a +25% annual return since 1988 [7]. - HealthEquity's upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, indicating strong potential for market-beating returns in the near term [10].

Core Insights - The Healthcare Affordability Pulse survey reveals a generational divide in financial preparedness and workplace stress among employed Americans, with younger generations showing higher HSA adoption but also greater economic anxiety [1][2][3] HSA Adoption and Engagement - 56% of Gen Z and 50% of Millennials have Health Savings Accounts (HSAs), significantly higher than Gen X (35%) and Boomers (24%) [2] - Younger generations report a better understanding of their healthcare benefits, with 53% of Gen Z and 62% of Millennials stating they understand their benefits "very well" or "extremely well," compared to 47% for both Gen X and Boomers [4] Economic Anxiety and Financial Preparedness - Despite proactive healthcare savings, Gen Z reports the highest economic concern at 84%, with 36% having less than $500 available for unexpected healthcare expenses [2][5] - 79% of all respondents express concern about the overall economy, but Gen Z and Millennials are more likely to report that financial strain affects their workplace performance [6] Healthcare Spending Priorities - Gen Z is most likely to cut back on mental health services (46%) and preventive care (36%) when budgets tighten, while Boomers and Gen X are less likely to reduce healthcare spending [7][8] Financial Preparedness Among HSA Holders - HSA holders across all generations demonstrate stronger financial readiness for healthcare expenses, with 52% feeling prepared for routine healthcare costs and 29% having at least $5,000 in emergency reserves [8][9] Importance of Education and Employer Support - The research emphasizes the need for education and employer support to help individuals not only save but also feel more secure regarding their financial health, especially during open enrollment periods [10][11]

Core Insights - HealthEquity, Inc. is a leading player in the medical services industry, focusing on health savings accounts (HSAs) and related financial services, with a strong emphasis on financial performance and strategic initiatives to enhance member savings and investment strategies [1] Financial Performance - For Q3 2026, HealthEquity reported earnings of $1.01 per share, exceeding the Zacks Consensus Estimate of $0.90 per share, resulting in a 12.22% earnings surprise and an increase from $0.78 per share in the same quarter last year [3] - The company's revenue for the quarter ending October 2025 was $322.16 million, surpassing the Zacks Consensus Estimate by 0.69% and reflecting a 7% increase from $300.43 million reported in the same period last year [4][6] Strategic Initiatives - HealthEquity returned $93.7 million to shareholders through stock repurchases and implemented a $2.25 billion 5-year Treasury bond hedge to mitigate HSA cash repricing risk [5] - Total HSA assets grew by 15% to $34.4 billion, demonstrating the company's commitment to enhancing member savings and investment strategies [5] Market Position and Analyst Ratings - Citigroup maintained an "Outperform" rating for HealthEquity with a stock price of $98.64 and raised the price target from $117 to $122, indicating positive expectations for the company's future performance [2][6]

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