HSA Growth - The total number of HSAs as of January 31, 2025, was 9.9 million, an increase of 14% from 8.7 million as of January 31, 2024[2] - New HSAs from sales year-to-date reached 1,040, an increase of 10% compared to 949 in the previous year[3] - The Company closed fiscal year 2025 with 17.0 million Total Accounts, a 9% increase from 15.7 million as of January 31, 2024[2] - The Company added 616 new HSAs from acquisitions year-to-date, indicating growth through strategic acquisitions[3] HSA Assets and Investments - HSA Assets grew to $32.1 billion as of January 31, 2025, representing a 27% increase from $25.2 billion a year earlier[2] - HSA investments increased by 44% to $14.7 billion as of January 31, 2025, up from $10.2 billion a year earlier[4] - The average daily HSA cash for the year-to-date was $16.2 billion, a 15% increase from $14.1 billion in the previous year[4] Financial Outlook - The Company affirmed its guidance for fiscal years 2025 and 2026, maintaining a positive business outlook[5] - HSA cash expected to reprice in fiscal year 2026 is projected at $2.3 billion with an average annualized yield of 2.5%[4] Upcoming Events - Upcoming events include the fourth quarter and fiscal year 2025 results conference call scheduled for March 18, 2025[6]

Highlights of the fiscal year include: Revenue of $1.20 billion, an increase of 20% compared to $999.6 million in FY24.Net income of $96.7 million, an increase of 74% compared to $55.7 million in FY24, with non-GAAP net income of $277.3 million, an increase of 42% compared to $195.5 million in FY24.Net income per diluted share of $1.09, an increase of 70% compared to $0.64 in FY24, with non-GAAP net income per diluted share of $3.12, an increase of 39% compared to $2.25 in FY24.Adjusted EBITDA of $471.8 mil ...

Core Insights - HealthEquity, the largest Health Savings Account (HSA) administrator in the U.S., launched HealthEquity Assist™, a suite of tools designed to help employers manage healthcare costs and enhance employee engagement [1][5] - The tools aim to address rising healthcare costs, projected to increase by 9% in 2025, and the complexities of navigating benefits [2][3] Product Offerings - HealthEquity Assist includes three main tools: HealthEquity Analyzer™, HealthEquity Navigator™, and HealthEquity Momentum™ [3][10] - HealthEquity Analyzer™ provides employers with near real-time data on inefficiencies and trends, enabling smarter decision-making [10][11] - HealthEquity Navigator™ simplifies healthcare spending decisions for employees by offering guidance on provider selection and cost-saving opportunities [10] - HealthEquity Momentum™ encourages proactive health and expense planning, increasing employee engagement with benefits programs through personalized rewards [10] Market Context - The benefits industry faces challenges related to cost and complexity, impacting both employers and employees [3] - HealthEquity's initiatives are positioned to reshape the future of benefits technology, aiming for a seamless and intuitive experience for members [5][7]

Financial Results - HealthEquity, Inc. is set to release its fourth-quarter financial results on March 18, with expected earnings of 72 cents per share, an increase from 63 cents per share in the previous year [1] - The company projects quarterly revenue of $305.82 million, compared to $262.39 million a year earlier [1] Stock Performance - HealthEquity shares increased by 3.4%, closing at $100.72 [2] Analyst Ratings - Barrington Research analyst Alexander Paris maintained an Outperform rating with a price target of $112 [4] - Raymond James analyst C. Gregory Peters raised the price target from $105 to $120 while maintaining an Outperform rating [4] - Mizuho analyst Steven Valiquette initiated coverage with an Outperform rating and a price target of $126 [4] - B of A Securities analyst Allen Lutz raised the price target from $100 to $120 while maintaining a Buy rating [4] - Deutsche Bank analyst George Hill increased the price target from $102 to $103 while maintaining a Buy rating [4]

Investors with an interest in Medical Services stocks have likely encountered both Pediatrix Medical Group (MD) and HealthEquity (HQY) . But which of these two stocks is more attractive to value investors? We'll need to take a closer look to find out.Everyone has their own methods for finding great value opportunities, but our model includes pairing an impressive grade in the Value category of our Style Scores system with a strong Zacks Rank. The Zacks Rank is a proven strategy that targets companies with p ...

Group 1 - HealthEquity (NASDAQ: HQY) has experienced a decline of almost 15.00% over the past month, indicating a potential buying opportunity for investors [1] - The company is viewed as heavily undervalued, suggesting significant upside potential for long-term growth dividend investors [1] - The focus is on long-term compounding through investments in undervalued companies, aligning with the strategy of value dividend investing [1]

Group 1 - Analysts project HealthEquity (HQY) will announce quarterly earnings of $0.71 per share, a 12.7% increase year over year [1] - Revenues are expected to reach $305.1 million, reflecting a 16.3% increase from the same quarter last year [1] - There has been no revision in the consensus EPS estimate over the last 30 days, indicating stability in analysts' forecasts [1] Group 2 - Revenue from 'Service' is estimated at $122.45 million, a 3.3% increase from the prior-year quarter [4] - 'Revenue- Custodial' is projected at $140.18 million, showing a significant 33% increase year over year [4] - 'Revenue- Interchange' is expected to be $41.27 million, indicating a 7.5% increase from the previous year [4] Group 3 - Total HSA Assets are projected to reach $31.65 billion, up from $25.21 billion a year ago [5] - Total HSA investments are estimated at $14.18 billion, compared to $10.21 billion in the same quarter last year [5] Group 4 - 'CDBs Accounts' are expected to be 6.87 million, down from 7.01 million a year ago [6] - Total Accounts are projected to reach 16.53 million, an increase from 15.7 million year over year [6] Group 5 - Total HSA cash is likely to reach $17.48 billion, compared to $15.01 billion in the same quarter last year [7] - HSAs Accounts are projected to be 9.67 million, up from 8.69 million a year ago [7] Group 6 - HealthEquity shares have recorded a return of -16.4% over the past month, compared to the S&P 500 composite's -7.4% change [8] - The company holds a Zacks Rank 3 (Hold), suggesting performance alignment with the overall market in the upcoming period [8]

Core Insights - The HealthEquity Community Foundation has launched its inaugural grant cycle, awarding over $40,000 to various charitable non-profits focused on healthcare, financial literacy, mental health, and basic human needs [1][4][6] - The next grant application cycle is open until March 31, encouraging eligible 501(c)(3) organizations to apply for funding [2][7] - The Foundation aims to address critical community needs through tangible support and partnerships with organizations aligned with its mission [3][4] Grant Recipients - The first round of grant recipients includes organizations such as Soldiers' Angels, Ronald McDonald House Charities, and Habitat for Humanity, among others [4][5] - These organizations are recognized for their commitment to addressing specific community needs, such as veteran assistance and food security [4][6] Focus Areas - The Foundation's focus areas include: - **Health & Medicine**: Improving access to healthcare for under-resourced communities [6] - **Financial Education and Literacy**: Enhancing long-term financial wellness through educational programs [6] - **Mental Health & Crisis Support**: Expanding access to mental health services [6] - **Basic Human Needs**: Providing essential resources like food and housing for vulnerable populations [6] Community Engagement - Many grant recipients are also involved in the HealthEquity Purple with Purpose volunteer program, which promotes hands-on community involvement [4]

Core Viewpoint - Investors in the Medical Services sector should consider Pediatrix Medical Group (MD) and HealthEquity (HQY) as potential value stocks, with MD appearing to be the more attractive option based on valuation metrics [1][6]. Group 1: Company Performance - Both Pediatrix Medical Group and HealthEquity currently hold a Zacks Rank of 2 (Buy), indicating positive earnings estimate revisions and an improving earnings outlook for both companies [3]. - MD has a forward P/E ratio of 9.92, significantly lower than HQY's forward P/E of 28.42, suggesting that MD may be undervalued compared to HQY [5]. - MD's PEG ratio is 1.04, while HQY's PEG ratio is 1.16, indicating that MD has a more favorable valuation when considering expected earnings growth [5]. Group 2: Valuation Metrics - MD has a P/B ratio of 1.68, which is lower than HQY's P/B ratio of 4.31, further supporting the argument that MD is a better value option [6]. - The valuation metrics contribute to MD earning a Value grade of A, while HQY received a Value grade of C, highlighting the relative attractiveness of MD for value investors [6]. - Traditional valuation figures such as P/E ratio, P/S ratio, earnings yield, and cash flow per share are essential for value investors in assessing stock undervaluation [4].

Core Insights - HealthEquity, Inc. has been recognized as one of America's Dream Employers for 2025 by Forbes and one of the Best Companies to Work For in 2025 by U.S. News & World Report, highlighting its commitment to team and culture [1][2] Company Culture and Employee Wellbeing - The company emphasizes a team-focused culture and invests in employee wellbeing, achieving the highest rank among HSA administrators [2][3] - HealthEquity provides a range of benefits including support for caregivers, incentives for healthy living, mental health programs, and a remote-first work environment, with over 90% of employees working primarily from home [2][3] Health Outcomes and Consumer Directed Benefits - HealthEquity has achieved an 18% reduction in health claims from employees participating in their Consumer Driven Healthcare program, demonstrating the effectiveness of their health initiatives [3][4] - The company's commitment to employee health is reflected in its approach to client and member services, aiming for better health outcomes for all stakeholders [4] Company Overview - HealthEquity administers HSAs and various consumer-directed benefits for over 16 million accounts, partnering with employers and health plan providers to empower healthcare consumers [5]