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 ...

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]