On Tuesday, HealthEquity, Inc. HQY reported fourth-quarter adjusted EPS of 69 cents, up from 63 cents a year ago, missing the consensus of 72 cents.Revenue increased 19% year over year to $311.8 million, beating the consensus of $306.05 million.The health savings account custodian reported adjusted EBITDA of $107.8 million, an increase of 9%.Health savings accounts (HSAs) as of January 31, 2025, were 9.9 million, an increase of 14% year over year, including 753,000 HSAs with investments, an increase of 23% ...

Core Viewpoint - HealthEquity, Inc. reported mixed financial results for the fourth quarter of fiscal 2025, with adjusted EPS missing estimates but showing year-over-year improvement, while revenues exceeded expectations and demonstrated significant growth [1][2][14]. Financial Performance - Adjusted EPS for Q4 fiscal 2025 was 69 cents, missing the Zacks Consensus Estimate by 2.82%, but improved by 9.5% year-over-year [1] - GAAP EPS was 30 cents, unchanged from the same quarter last year [1] - Revenues reached $311.8 million, beating the Zacks Consensus Estimate by 2.2% and increasing by 18.8% from the prior year [2] HSA Growth - Total Health Savings Accounts (HSAs) served as a non-bank custodian reached 9.9 million, up 14% year-over-year [3] - HSAs with investments totaled 753,000, reflecting a 23% year-over-year increase [3] - Total accounts, including HSAs and Consumer Direct Benefits (CDBs), reached 17 million, an 8.2% increase year-over-year [3] HSA Assets - Total HSA assets were $32.1 billion at the end of January 31, 2025, up 27% year-over-year [4] - HSA cash was $17.4 billion, a 16% increase year-over-year, while HSA investments were $14.7 billion, up 44.1% year-over-year [4] Revenue Sources - Service revenues totaled $124.2 million, up 4.6% year-over-year [6] - Custodial revenues reached $144.1 million, a 36.7% increase from the previous year [7] - Interchange revenues amounted to $43.5 million, up 13.3% year-over-year [7] Profitability Metrics - Gross profit increased by 15.6% to $189 million, but gross margin contracted by 160 basis points to 60.6% [8] - Operating profit was $42.2 million, an 8.4% improvement year-over-year, with operating margin contracting by 130 basis points to 13.5% [10] Financial Position - Cash and cash equivalents at the end of Q4 fiscal 2025 were $295.9 million, down from $322.2 million a year ago [11] - Total debt was $1.06 billion, slightly down from $1.08 billion at the end of the previous fiscal year [11] - Cumulative net cash provided by operating activities was $339.9 million, compared to $242.8 million a year ago [12] Future Guidance - For fiscal 2026, revenues are projected between $1.28 billion and $1.30 billion, with adjusted EPS expected in the range of $3.57-$3.74 [13]

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HealthEquity, Inc. (NASDAQ:HQY) Q4 2025 Earnings Conference Call March 18, 2025 4:30 PM ET Company Participants Richard Putnam - Investor Relations Scott Cutler - President & Chief Executive Officer James Lucania - Executive Vice President & Chief Financial Officer Steve Neeleman - Vice Chair & Founder Conference Call Participants Glen Santangelo - Jefferies Gregory Peters - Raymond James Stan Berenshteyn - Wells Fargo Securities Anne Samuel - JPMorgan David Roman - Goldman Sachs Scott Schoenhaus - KeyBanc ...

For the quarter ended January 2025, HealthEquity (HQY) reported revenue of $311.82 million, up 18.8% over the same period last year. EPS came in at $0.69, compared to $0.63 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $305.1 million, representing a surprise of +2.20%. The company delivered an EPS surprise of -2.82%, with the consensus EPS estimate being $0.71.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Stre ...

HealthEquity (HQY) came out with quarterly earnings of $0.69 per share, missing the Zacks Consensus Estimate of $0.71 per share. This compares to earnings of $0.63 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -2.82%. A quarter ago, it was expected that this provider of services for managing health care accounts would post earnings of $0.71 per share when it actually produced earnings of $0.78, delivering a surprise of 9.86% ...

HealthEquity (HQY) Q4 2025 Earnings Call March 18, 2025 04:30 PM ET Company Participants Richard Putnam - Investor RelationsScott Cutler - President, CEO & DirectorJames Lucania - CFO & Executive VPGlen Santangelo - Managing DirectorC. Gregory Peters - Managing Director - InsuranceAnne Samuel - Executive DirectorDavid Roman - Managing DirectorScott Schoenhaus - Managing DirectorStephen D. Neeleman - Founder & Vice ChairmanDavid Larsen - Managing DirectorSam Hasanov - Equity Research Associate Conference Cal ...

HealthEquity (HQY) Q4 2025 Earnings Call March 18, 2025 04:30 PM ET Company Participants Richard Putnam - Investor RelationsScott Cutler - President, CEO & DirectorJames Lucania - CFO & Executive VPGlen Santangelo - Managing DirectorC. Gregory Peters - Managing Director - InsuranceAnne Samuel - Executive DirectorDavid Roman - Managing DirectorScott Schoenhaus - Managing DirectorStephen D. Neeleman - Founder & Vice ChairmanDavid Larsen - Managing DirectorSam Hasanov - Equity Research Associate Conference Cal ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact name of registrant as specified in its charter) Delaware 52-2383166 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification Number) 15 West Scenic Pointe Drive ...

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]