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About The Company

CEO

Mr. Jon Kessler

Market Cap

6.97 Billion USD

Sector

Healthcare

Website

https://www.healthequity.com

Last Update

2/22/2024, 12:00:00 PM

Description

HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States.

Read More

Overview

Value

9

Growth

58

Health

84

Management

46

Analyst Opinion

89

Total

57

All Scores Out Of 100

Best Features

  • Has a low level of debt
  • Low risk of bankruptcy
  • Has strong financial health
  • Liked by analysts
  • Low preportion of income is paid as dividend

Risk Factors

  • Overvalued on cashflow basis
  • Earnings growth has slowed down recently
  • There is a history of diluting shareholders
  • No margin of safety at their current market price
  • Disliked by Twitter users
  • Price-to-earnings ratio of 240.1 is higher than the market average (19.6x)
  • Dividend could be at risk

Market Peers

HQY

Key Figures

PE Ratio (TTM)

240.15

Margin Of Safety (DCF)

-59.96%

Revenue Growth (5 Year Average)

2.50%

Ratings Consensus

Strong Buy

Share Buybacks

-1.58%

Dividend Yeild (TTM)

0.00%

Valuation

Value Score

9

  • Estimated intrinsic-value of 32.45 USD is lower than current price ( 80.89 USD)
  • Price-to-earnings ratio of 240.1 is higher than the market average (19.6x)
  • Free-cashflow-yeild of 2.53% is worse than the market average (4.7%)
  • Margin-of-safety of -59.96% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 27.6 USD

Current Price: 81.1 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

240.15x

Free Cashflow Yeild

2.53%

PE/Earnings Growth

5.76

Price/Book

3.50x

Growth

Growth Score

58

  • Revenue growth has improved this yeara
  • 5 Year Average Earnings growth of 22.06% is higher than the market average (14.48%)
  • 5 Year Average Cashflow growth of 17.81% is higher than the market average (12.35%)
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of 2.50% is lower than the market average (10.97%)
  • Earnings growth has slowed this year

Revenue Growth

2.50%

Earnings Growth

22.06%

Cashflow Growth

17.81%

Health

Health Score

84

  • Low risk of bankruptcy
  • Has a low level of debt
  • Assets cover liabilities
  • High financial leverage and base interest rate exposure
  • Requires debt for normal operation to be sustainable
  • Debt repayments significantly impact cashflow

Altman Z Score

4.51

Piostroski Score

8.00

Debt/Equity

0.47x

Current Assets/Liabilities

4.93x

Free Cashflow/Total Debt

0.04x

Debt/Capital

1.97x

Dividend

Secure Dividend Score

0

  • Long term dividend payout ratio of 0.00% is considered good
  • Payout ratio (TTM) of 0.00% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of 0.00% is less than the market average (1.85%)
  • Very unsafe

Dividend Yeild

0.00%

Dividend Growth

0.00%

Payout Ratio (Earnings)

0.00%

Payout Ratio (Cashflow)

0.00%

Management

Management Score

46

  • Has issued new shares to finance growth when share price is high
  • Return-on-capital-employed of 2.62% is lower than the market average (10%)
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of 0.73% is lower than the market average (15%)

Average Buybacks/Dilution

-1.58%

Recent Buybacks/Dilution

-1.52%

5 Year Price Volitility

14.22%

Return On Assets

0.47%

Return On Capital Employed

2.62%

Return On Equity

0.73%

Return On Free Cashflow

N/A

Return On Investments

N/A

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

89

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

HealthEquity, Inc.

Currency

USD

Beta

0.816939

Vol Avg

599342

Ceo

Mr. Jon Kessler

Cik

0001428336

Cusip

42226A107

Exchange

NASDAQ Global Select

Full Time Employees

3170

Industry

Health Information Services

Sector

Healthcare

Ipo Date

2014-07-31

Address

15 West Scenic Pointe Drive

City

Draper

State

UT

Country

US

Zip

84020

Phone

801 727 1000

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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