HealthEquity, Inc. (NASDAQ:HQY) is among the 20 Best Investments in 2026. Jefferies Highlights HealthEquity, Inc. (HQY) as Defensive Play Amid Healthcare, Tech Exposure HealthEquity, Inc. (NASDAQ:HQY) is given eleventh position on our list of best investments. TheFly reported on February 19 that Jefferies lowered its price target for HQY to $108 from $120 and maintained a Buy rating. The firm noted that pre-released Q4 results showed solid growth, with HSA accounts up 6.9% and assets increasing 13.6% ye ...

HSA Growth and Performance - As of January 31, 2026, HealthEquity reported a total of 10.6 million HSAs, a 7% increase from 9.9 million in the previous year[3] - Total Accounts reached 17.8 million, reflecting a 4% growth from 17.0 million as of January 31, 2025[3] - HSA Assets grew to $36.5 billion, marking a 14% increase from $32.1 billion a year earlier[3] - New HSAs from sales in the fourth quarter rose by 17% year over year, totaling 553,000[6] - HSA investments increased by 26% year over year, reaching $18.5 billion[3] - The company added over one million new HSA accounts from sales during fiscal 2026, indicating strong market demand[4] Financial Expectations - HealthEquity expects fiscal 2026 results to be near the top end of previously provided ranges, with updated guidance for fiscal 2027 to be announced in March[9] - The average daily HSA cash for the year-to-date was $17.082 billion, a 5% increase from $16.206 billion[7] - HSA cash expected to reprice in fiscal 2027 is projected at $4.5 billion with an average annualized yield of 1.9%[8] Client Retention and Market Position - HealthEquity maintained high client retention and is entering the new fiscal year with a growing enterprise pipeline[5]

Core Insights - HealthEquity, Inc. reported significant growth in its health savings accounts (HSAs) and total accounts for the fiscal year ending January 31, 2026, with a total of 10.6 million HSAs, a 7% increase from the previous year, and total accounts reaching 17.8 million, up 4% [2][3][4] HSA and Financial Performance - HSA assets grew to $36.5 billion, reflecting a 14% increase from $32.1 billion a year earlier, with HSA investments rising 26% year over year to $18.5 billion [2][6] - The company added over one million new HSA accounts from sales during fiscal 2026, marking the strongest year for HSA additions [3][4] - New HSAs from sales in the fourth quarter increased by 17% year over year, totaling 553,000 for the quarter [5] Business Outlook and Guidance - HealthEquity reaffirmed its guidance for fiscal 2026 and 2027, expecting results for fiscal 2026 to be near the top end of previously provided ranges [8] - The company plans to provide updated full guidance for fiscal 2027 when it reports fiscal 2026 year-end results in March 2026 [8] Upcoming Events - The company has scheduled a conference call for March 17, 2026, to report its fourth quarter and fiscal year 2026 results [11] - HealthEquity will also participate in the Raymond James 47th Annual Institutional Investors Conference on March 4, 2026, and the Mizuho Healthcare Technology Conference on March 5, 2026 [11][12]

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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]

Group 1 - The article does not provide any relevant content regarding the company or industry [1]

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]