HSA Market 2017 2018 2019 2020 2021 2022 2023 2030 10% CAGR market growth to 2030 Value chain from channel partner to member HealthEquity® January 2023 This presentation does not constitute an offer or invitation for the sale or purchase of securities and has been prepared solely for informational purposes. This presentation is a summary of information contained in our public filings filed with the Securities and Exchange Commission (SEC), which public filings are expressly incorporated herein by reference ...

HealthEquity, Inc. (NASDAQ:HQY) Q3 2023 Earnings Conference Call December 6, 2022 4:30 PM ET Company Participants Richard Putnam - Investor Relations Jon Kessler - President and Chief Executive Officer Tyson Murdock - Executive Vice President and Chief Financial Officer Stephen Neeleman - Founder and Vice Chairman Conference Call Participants Stephanie Davis - SVB Securities LLC Anne Samuel - JPMorgan Chase & Co. Gregory Peters - Raymond James & Associates, Inc. Glen Santangelo - Jefferies LLC Scott Schoenh ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-36568 HEALTHEQUITY, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) Delaware 52-2383166 (I.R.S. Em ...

HealthEquity, Inc. (NASDAQ:HQY) Q2 2023 Earnings Conference Call September 6, 2022 4:30 PM ET Corporate Participants Richard Putnam - Investor Relations Jon Kessler - President and Chief Executive Officer Tyson Murdock - Executive Vice President and Chief Financial Officer Steve Neeleman - Vice-Chair and Founder Conference Call Participants Gregory Peters - Raymond James Allen Lutz - Bank of America Stephanie Davis - SVB Securities David Larsen - BTIG Glen Santangelo - Jefferies Stan Bernstein - Wells Fargo ...

HealthEquity® Investor presentation June 2022 Copyright © 2022 HealthEquity, Inc. All rights reserved. HealthEquity does not provide legal, tax or financial advice. Safe harbor This presentation contains "forward-looking" statements that are based on our management's beliefs and assumptions and on information currently available to management. These forward-looking statements include, without limitation, statements regarding our industry, business strategy, plans, goals and expectations concerning our marke ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended April 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-36568 HEALTHEQUITY, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) Delaware 52-2383166 (I.R.S. E ...

HealthEquity, Inc. (NASDAQ:HQY) Q1 2023 Earnings Conference Call June 6, 2022 4:30 PM ET Company Participants Richard Putnam - Investor Relations Jon Kessler - President and Chief Executive Officer Ted Bloomberg - Executive Vice President and Chief Operating Officer Tyson Murdock - Executive Vice President and Chief Financial Officer Steve Neeleman - Vice-Chair and Founder Conference Call Participants Anne Samuel - JPMorgan Greg Peters - Raymond James George Hill - Deutsche Bank Stephanie Davis - SVB Securi ...

Part I [Item 1. Business](index=5&type=section&id=Item%201.%20Business) The company specializes in technology-enabled services for Health Savings Accounts (HSAs) and Consumer-Directed Benefits (CDBs), managing 7.2 million HSAs with $19.6 billion in assets as of January 31, 2022 [Company Overview & Recent Acquisitions](index=5&type=section&id=Company%20Overview%20%26%20Recent%20Acquisitions) The company is a leading provider of HSA and CDB services, administering 14.4 million total accounts and expanding through strategic acquisitions like WageWorks and Further | Metric | Value (as of Jan 31, 2022) | | :--- | :--- | | HSAs | 7.2 million | | HSA Assets | $19.6 billion | | Complementary CDBs | 7.2 million | | Total Accounts | 14.4 million | | Network Partners | 185 | | Clients | ~120,000 | - The company has significantly expanded through strategic acquisitions, including WageWorks for **$2.0 billion**, Luum for **$56.2 million**, Fifth Third's HSA portfolio for **$60.8 million**, and the Further business for **$455 million**[22](index=22&type=chunk)[26](index=26&type=chunk)[27](index=27&type=chunk)[28](index=28&type=chunk) - The integration of WageWorks was substantially completed by January 31, 2022, achieving approximately **$80 million** in annualized ongoing net synergies[25](index=25&type=chunk) [Our Products and Services](index=6&type=section&id=Our%20Products%20and%20Services) The company offers a suite of cloud-based products, including core Health Savings Accounts (HSAs) with triple-tax advantages, complemented by FSAs, HRAs, COBRA, and Commuter Programs - The company is an IRS-approved non-bank custodian for HSAs, which offer a "triple tax savings": tax-deductible contributions, tax-free earnings growth, and tax-free distributions for qualified medical expenses[34](index=34&type=chunk)[35](index=35&type=chunk) - The company administers the U.S. Office of Personnel Management's (OPM) Federal Flexible Spending Account Program (FSAFEDS), providing services to eligible federal government employees[41](index=41&type=chunk) - The company is consolidating its technology platforms, with plans to phase out certain platforms acquired from WageWorks and migrate clients to remaining platforms during the fiscal year ending January 31, 2023[33](index=33&type=chunk) [Our Technology and Data Security](index=8&type=section&id=Our%20Technology%20and%20Data%20Security) HealthEquity employs a proprietary, cloud-based technology solution with robust data security measures, including NIST-based protocols and compliance with SSAE-18 and SOC 1 and 2 standards - The technology solution is hosted via cloud-based services and a virtual private cloud, allowing it to scale on demand and ensure continuous access through regional failover and redundant data centers[47](index=47&type=chunk) - The company has a strong focus on data security, with a dedicated Risk and Security team, 24/7 system surveillance, and a Security Incident Response Plan based on NIST guidelines[48](index=48&type=chunk)[49](index=49&type=chunk) - To ensure compliance with industry standards, the company follows risk management standards established by SSAE-18 and obtains SOC 1 and 2 reports[51](index=51&type=chunk) [Our Competitive Landscape, Strengths, and Strategy](index=9&type=section&id=Our%20Competitive%20Landscape%2C%20Strengths%2C%20and%20Strategy) The company competes in the HSA and CDB market, leveraging its bundled solutions, proprietary technology, 'DEEP Purple' culture, and strategic acquisitions to maintain market leadership - Key competitive strengths include being a single-source provider for both HSAs and complementary CDBs, which is preferred by a vast majority of employers[56](index=56&type=chunk) - The company's proprietary technology is a key differentiator, featuring purpose-built design, extensive data integration capabilities (over **20,000** distinct integrations), and high configurability for partners[57](index=57&type=chunk)[65](index=65&type=chunk) - A core part of the growth strategy is to selectively pursue and integrate strategic acquisitions, leveraging an internal capability to source, evaluate, and integrate these opportunities[66](index=66&type=chunk) [Government Regulation](index=11&type=section&id=Government%20Regulation) The company operates under extensive federal and state regulations, including IRS rules for tax-advantaged accounts, GLBA and HIPAA for data privacy, and SEC oversight for its investment advisory subsidiary - As an IRS-approved non-bank custodian, the company must maintain a net worth exceeding specific thresholds based on the amount of custodial funds held[69](index=69&type=chunk) - The company is subject to multiple privacy and data security regulations, including the Gramm-Leach-Bliley Act (GLBA) for financial information and HIPAA as a business associate processing protected health information[70](index=70&type=chunk)[71](index=71&type=chunk)[72](index=72&type=chunk) - The subsidiary HealthEquity Advisors, LLC is an SEC-registered investment adviser, subject to the Investment Advisers Act of 1940, which governs its fiduciary duties, disclosure obligations, and marketing activities[79](index=79&type=chunk) [Human Capital](index=13&type=section&id=Human%20Capital) As of January 31, 2022, HealthEquity had **3,715** team members, fostering a 'DEEP Purple' culture focused on excellence, ethics, and JEDI initiatives, with a team member NPS of **37** | Demographic Group | Executive Leadership | People Leaders | All Team Members | | :--- | :--- | :--- | :--- | | Women | 29% | 54% | 68% | | People of color | 14% | 22% | 34% | - The company's culture is referred to as "DEEP Purple," which stands for Driving Excellence, Ethics and Process while providing remarkable service[82](index=82&type=chunk) - Team member engagement is measured twice a year using the Net Promoter Score (NPS). As of January 31, 2022, the team member NPS was **37**, with a participation rate of **89%**[95](index=95&type=chunk) [Item 1A. Risk Factors](index=16&type=section&id=Item%201A.%20Risk%20Factors) The company faces significant risks including the impact of COVID-19, acquisition integration challenges, material weaknesses in internal controls, interest rate sensitivity, intense competition, cybersecurity threats, and a complex regulatory environment [Risks relating to our business and industry](index=18&type=section&id=Risks%20relating%20to%20our%20business%20and%20industry) The company faces business and industry risks from COVID-19 impacts on interest rates, challenges in integrating acquisitions, identified material weaknesses in financial controls, and intense competition - The COVID-19 pandemic has had a material adverse effect, causing lower interest rates on custodial assets and a significant decline in the use of commuter benefits[108](index=108&type=chunk)[109](index=109&type=chunk) - Management has identified material weaknesses in internal control over financial reporting, primarily arising from the WageWorks acquisition, which could affect timely and accurate financial reporting[120](index=120&type=chunk) - A significant portion of revenue is derived from fees on HSA Assets and Client-held funds, making the business sensitive to declines in interest rates, which reduce yields[130](index=130&type=chunk) [Data security, technological, and intellectual property risks](index=24&type=section&id=Data%20security%2C%20technological%2C%20and%20intellectual%20property%20risks) The company faces significant data security, technological, and intellectual property risks, including frequent cyber-attacks, reliance on third-party software, and the need to protect its brand and IP - The company is a frequent target of cyber-attacks, including ransomware, and a major breach could have serious negative consequences, including fines, penalties, and reputational harm[150](index=150&type=chunk)[153](index=153&type=chunk) - Security measures associated with some technology platforms from the WageWorks acquisition were found to be insufficient, requiring significant resources to improve[155](index=155&type=chunk) - The business relies on software licensed from third parties, and the loss of these licenses could result in significant delays and harm to the business[159](index=159&type=chunk) [Legal and regulatory risks](index=28&type=section&id=Legal%20and%20regulatory%20risks) The company faces legal and regulatory risks from evolving healthcare laws, potential changes to tax-advantaged account status, stringent privacy regulations like HIPAA and CCPA, and IRS net worth requirements for custodians - The business is subject to numerous privacy regulations, including HIPAA and CCPA. A privacy breach could result in substantial financial and reputational harm, including criminal and civil penalties[178](index=178&type=chunk)[179](index=179&type=chunk) - As a non-bank custodian, the company must comply with IRS Treasury Regulations, including meeting a minimum net worth test, to maintain its status and add new custodial accounts[189](index=189&type=chunk) - Changes in laws related to interchange fees on payment cards or rules from card associations like Visa and MasterCard could adversely affect revenue and results of operations[183](index=183&type=chunk)[184](index=184&type=chunk) [Financing and related risks](index=32&type=section&id=Financing%20and%20related%20risks) The company's financial structure carries risks from substantial debt (**$350 million** term loan, **$600 million** senior notes), restrictive covenants, and potential impairment charges on goodwill and intangible assets, which comprise **84%** of total assets - The company has substantial debt, including a **$350 million** Term Loan Facility and **$600 million** in Senior Notes, which could limit its ability to fund operations and expose it to interest rate volatility[200](index=200&type=chunk) - The credit agreement and indenture contain restrictive covenants that limit the company's ability to, among other things, incur additional debt, make acquisitions, sell assets, and pay dividends[202](index=202&type=chunk) - Goodwill and intangible assets represent approximately **84%** of total assets as of January 31, 2022, creating a risk of substantial non-cash impairment charges in the future[199](index=199&type=chunk) [Item 1B. Unresolved staff comments](index=35&type=section&id=Item%201B.%20Unresolved%20staff%20comments) The company reports that it has no unresolved staff comments from the SEC - None [Item 2. Properties](index=35&type=section&id=Item%202.%20Properties) The company leases all its office space, with principal executive offices in Draper, Utah, and is actively subleasing unused properties due to a remote workforce - The company leases all its facilities, with its principal executive offices located in Draper, Utah[214](index=214&type=chunk) - A majority of the workforce is now permanently remote, leading the company to sublease or seek to sublease most of its unused office space[214](index=214&type=chunk) [Item 3. Legal proceedings](index=35&type=section&id=Item%203.%20Legal%20proceedings) The company is involved in various legal proceedings, including pending material litigation related to its WageWorks subsidiary, but does not expect a material adverse effect on its financial position - The wholly owned subsidiary, WageWorks, is party to certain pending material litigation and other legal proceedings[215](index=215&type=chunk) [Item 4. Mine safety disclosures](index=35&type=section&id=Item%204.%20Mine%20safety%20disclosures) This item is not applicable to the company's business - Not applicable Part II [Item 5. Market for registrant's common equity, related stockholder matters and issuer purchases of equity securities](index=36&type=section&id=Item%205.%20Market%20for%20registrant%27s%20common%20equity%2C%20related%20stockholder%20matters%20and%20issuer%20purchases%20of%20equity%20securities) The company's common stock trades on NASDAQ under 'HQY', with **16** holders of record as of March 21, 2022, and no current plans to pay dividends, retaining earnings for growth - The company's common stock is listed on the NASDAQ Global Select Market under the symbol 'HQY'[217](index=217&type=chunk) - The company has no current plans to pay dividends and intends to retain all future earnings to fund growth[219](index=219&type=chunk) [Item 7. Management's discussion and analysis of financial condition and results of operations](index=38&type=section&id=Item%207.%20Management%27s%20discussion%20and%20analysis%20of%20financial%20condition%20and%20results%20of%20operations) In fiscal year 2022, total revenue increased **3%** to **$756.6 million**, driven by interchange and custodial revenue growth, but a net loss of **$44.3 million** resulted from higher operating expenses, including merger integration and technology costs [Key financial and operating metrics](index=42&type=section&id=Key%20financial%20and%20operating%20metrics) For the year ended January 31, 2022, HSAs grew **25%** to **7.2 million** and total HSA Assets increased **37%** to **$19.6 billion**, while Adjusted EBITDA decreased **2%** to **$236.0 million** | Metric (as of Jan 31, 2022) | Value | YoY Change | | :--- | :--- | :--- | | HSAs (in thousands) | 7,207 | 25% | | CDBs (in thousands) | 7,192 | 2% | | Total Accounts (in thousands) | 14,399 | 12% | | Total HSA Assets (in millions) | $19,618 | 37% | | Metric (Year ended Jan 31) | 2022 | 2021 | % Change | | :--- | :--- | :--- | :--- | | Net Income (Loss) (in thousands) | $(44,289) | $8,834 | (601)% | | Adjusted EBITDA (in thousands) | $236,015 | $240,795 | (2)% | [Results of Operations](index=46&type=section&id=Results%20of%20Operations) For fiscal year 2022, total revenue grew **3%** to **$756.6 million**, driven by interchange and custodial revenue, but operating expenses increased **17%** to **$447.9 million**, leading to a **$44.3 million** net loss | Revenue Stream (in thousands) | FY 2022 | FY 2021 | % Change | | :--- | :--- | :--- | :--- | | Service revenue | $426,910 | $430,966 | (1)% | | Custodial revenue | $202,817 | $190,933 | 6% | | Interchange revenue | $126,829 | $111,671 | 14% | | **Total revenue** | **$756,556** | **$733,570** | **3%** | - The **6%** increase in custodial revenue was driven by a **22%** increase in the average daily balance of HSA cash, partially offset by a decrease in the average annualized yield from **2.06%** to **1.75%**[296](index=296&type=chunk) | Operating Expense (in thousands) | FY 2022 | FY 2021 | % Change | | :--- | :--- | :--- | :--- | | Sales and marketing | $58,605 | $49,964 | 17% | | Technology and development | $157,364 | $124,809 | 26% | | General and administrative | $84,379 | $84,493 | 0% | | Amortization of acquired intangible assets | $82,791 | $76,064 | 9% | | Merger integration | $64,805 | $45,990 | 41% | | **Total operating expenses** | **$447,944** | **$381,320** | **17%** | [Liquidity and Capital Resources](index=49&type=section&id=Liquidity%20and%20Capital%20Resources) As of January 31, 2022, the company had **$225.4 million** in cash, raised **$456.6 million** from a public offering, and refinanced debt with **$600.0 million** in senior notes and a **$350.0 million** term loan, primarily using cash for acquisitions | Cash Flow Activity (in thousands) | FY 2022 | FY 2021 | | :--- | :--- | :--- | | Net cash provided by operating activities | $140,995 | $181,619 | | Net cash used in investing activities | $(639,247) | $(96,964) | | Net cash provided by financing activities | $394,863 | $52,422 | - In the first quarter of fiscal 2022, the company raised **$456.6 million** in net proceeds from a follow-on public offering of common stock[321](index=321&type=chunk) - On October 8, 2021, the company completed a major debt refinancing, issuing **$600.0 million** in **4.50%** Senior Notes due 2029 and entering a new credit agreement with a **$350.0 million** term loan and a **$1.0 billion** revolving credit facility[322](index=322&type=chunk) [Item 7A. Quantitative and qualitative disclosures about market risk](index=52&type=section&id=Item%207A.%20Quantitative%20and%20qualitative%20disclosures%20about%20market%20risk) The company faces interest rate risk affecting custodial revenue from **$19.6 billion** in HSA Assets and **$897 million** in Client-held funds, and its **$350.0 million** variable-rate term loan, with a **1%** rate increase adding **$3.5 million** in annual interest expense - The company's custodial revenue is sensitive to interest rate changes. A sustained decline in prevailing rates negatively affects the yield realized on HSA Assets (**$19.6 billion**) and Client-held funds (**$897 million**)[347](index=347&type=chunk)[348](index=348&type=chunk) - The **$350.0 million** Term Loan Facility has a variable interest rate. A **one percent** increase in the interest rate would result in approximately **$3.5 million** of additional annual interest expense[350](index=350&type=chunk) - The company holds **$225.4 million** in cash and cash equivalents, the vast majority of which is not covered by federal depository insurance, creating a concentration of credit risk[345](index=345&type=chunk) [Item 8. Financial statements and supplementary data](index=54&type=section&id=Item%208.%20Financial%20statements%20and%20supplementary%20data) This section presents the audited consolidated financial statements for fiscal year 2022, including the auditor's report which identified material weaknesses in internal controls related to the contract-to-cash cycle and IT general controls [Report of Independent Registered Public Accounting Firm](index=55&type=section&id=Report%20of%20Independent%20Registered%20Public%20Accounting%20Firm) PricewaterhouseCoopers LLP issued an opinion on the fair presentation of financial statements but identified two material weaknesses in internal control over financial reporting as of January 31, 2022 - The auditor concluded that the company did not maintain effective internal control over financial reporting as of January 31, 2022, due to the existence of material weaknesses[354](index=354&type=chunk) - A material weakness was identified in the contract-to-cash life cycle of service fees, involving issues with billing set-up, managing changes, and policies for assessing collectability[354](index=354&type=chunk) - A second material weakness was identified in IT general controls (ITGCs) related to logical access and change-management over certain financial reporting systems[354](index=354&type=chunk) [Consolidated Financial Statements](index=58&type=section&id=Consolidated%20Financial%20Statements) For fiscal year 2022, total assets increased to **$3.11 billion**, driven by goodwill and intangible assets, while the company reported a net loss of **$44.3 million** on revenues of **$756.6 million** | Balance Sheet (in thousands) | Jan 31, 2022 | Jan 31, 2021 | | :--- | :--- | :--- | | Total Assets | $3,107,102 | $2,710,407 | | Goodwill & Intangible Assets, net | $2,618,973 | $2,094,196 | | Total Liabilities | $1,254,527 | $1,331,679 | | Total Stockholders' Equity | $1,852,575 | $1,378,728 | | Statement of Operations (in thousands) | FY 2022 | FY 2021 | | :--- | :--- | :--- | | Total Revenue | $756,556 | $733,570 | | Gross Profit | $423,706 | $415,334 | | Net Income (Loss) | $(44,289) | $8,834 | [Notes to Consolidated Financial Statements](index=63&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) The notes detail significant acquisitions like Further (**$455 million**) and Luum (**$56.2 million**), **$950 million** in long-term debt, a **33.6%** effective tax benefit rate, and **$53.1 million** in stock-based compensation expense for fiscal 2022 - The company completed the acquisition of the Further business for **$455 million**, resulting in **$282.3 million** of goodwill and **$172.2 million** of intangible assets[443](index=443&type=chunk)[445](index=445&type=chunk) - As of January 31, 2022, total long-term debt principal was **$950.0 million**, comprising **$600.0 million** in **4.50%** Senior Notes and **$350.0 million** under a Term Loan Facility[475](index=475&type=chunk) - Total stock-based compensation expense was **$53.1 million** for fiscal year 2022, up from **$42.9 million** in the prior year[503](index=503&type=chunk) [Item 9A. Controls and Procedures](index=87&type=section&id=Item%209A.%20Controls%20and%20Procedures) Management concluded that disclosure controls were not effective as of January 31, 2022, due to material weaknesses in the 'Contract to Cash Process' and 'Information Technology General Controls' (ITGCs) - Management concluded that disclosure controls and procedures were not effective as of January 31, 2022, due to material weaknesses in internal control over financial reporting[532](index=532&type=chunk) - A material weakness was identified in the 'Contract to Cash Process,' involving ineffective controls around billing set-up, managing changes to billing terms, and assessing collectability[541](index=541&type=chunk) - A second material weakness was identified in Information Technology General Controls (ITGCs) related to logical access and change management over certain financial reporting systems[542](index=542&type=chunk) Part III [Item 10. Directors, executive officers and corporate governance](index=91&type=section&id=Item%2010.%20Directors%2C%20executive%20officers%20and%20corporate%20governance) Information for this item is incorporated by reference from the company's definitive proxy statement for its 2022 annual meeting of stockholders - Information for this item is incorporated by reference from the 2022 Proxy Statement[553](index=553&type=chunk) [Item 11. Executive compensation](index=91&type=section&id=Item%2011.%20Executive%20compensation) Information for this item regarding executive compensation is incorporated by reference from the company's definitive proxy statement for its 2022 annual meeting of stockholders - Information for this item is incorporated by reference from the 2022 Proxy Statement[555](index=555&type=chunk) [Item 12. Security ownership of certain beneficial owners and management and related stockholder matters](index=91&type=section&id=Item%2012.%20Security%20ownership%20of%20certain%20beneficial%20owners%20and%20management%20and%20related%20stockholder%20matters) Information for this item, concerning security ownership by certain beneficial owners and management, is incorporated by reference from the company's definitive proxy statement for its 2022 annual meeting of stockholders - Information for this item is incorporated by reference from the 2022 Proxy Statement[556](index=556&type=chunk) [Item 13. Certain relationships and related transactions, and director independence](index=91&type=section&id=Item%2013.%20Certain%20relationships%20and%20related%20transactions%2C%20and%20director%20independence) Information for this item, covering certain relationships, related party transactions, and director independence, is incorporated by reference from the company's definitive proxy statement for its 2022 annual meeting of stockholders - Information for this item is incorporated by reference from the 2022 Proxy Statement[557](index=557&type=chunk) [Item 14. Principal accounting fees and services](index=91&type=section&id=Item%2014.%20Principal%20accounting%20fees%20and%20services) Information for this item regarding principal accounting fees and services is incorporated by reference from the company's definitive proxy statement for its 2022 annual meeting of stockholders - Information for this item is incorporated by reference from the 2022 Proxy Statement[558](index=558&type=chunk) Part IV [Item 15. Exhibits, financial statement schedules](index=92&type=section&id=Item%2015.%20Exhibits%2C%20financial%20statement%20schedules) This section lists the documents filed as part of the Annual Report on Form 10-K, including consolidated financial statements and a comprehensive list of exhibits - This section includes the consolidated financial statements and a list of all exhibits filed with the Form 10-K[560](index=560&type=chunk)[563](index=563&type=chunk) - All financial statement schedules have been omitted because the required information is not applicable or is included within the main financial statements and notes[561](index=561&type=chunk) [Item 16. Form 10-K Summary](index=95&type=section&id=Item%2016.%20Form%2010-K%20Summary) The company reports that there is no Form 10-K summary - None

HealthEquity® Investor presentation March 2022 Copyright © 2022 HealthEquity, Inc. All rights reserved. HealthEquity does not provide legal, tax or financial advice. Safe harbor This presentation contains "forward-looking" statements that are based on our management's beliefs and assumptions and on information currently available to management. These forward-looking statements include, without limitation, statements regarding our industry, business strategy, plans, goals and expectations concerning our mark ...

HealthEquity, Inc. (NASDAQ:HQY) Q4 2022 Earnings Conference Call March 22, 2022 4:30 PM ET Company Participants Richard Putnam - Investor Relation Jon Kessler - President and Chief Executive Officer Ted Bloomberg - Executive Vice President and Chief Operating Officer Tyson Murdock - Executive Vice President and Chief Financial Officer Conference Call Participants Anne Samuel - JP Morgan Greg Peters - Raymond James George Hill - Deutsche Bank Scott Schoenhaus - Stephens David Larsen - BTIG Mark Marcon - Bair ...