Stock analysis, trade plans, and proprietary indicators by Trend Edge.
Trend Edge Setup Score
Trend Edge rates HQY Bearish with a Setup Score of 31, net conviction 29, actionability 34. How the Setup Score works →
Total Setup Score
31
Directional Bias
Bearish
Net Conviction
29
Actionability
34 (in range)
Key signals behind this score
40wk Downtrend — trend only (sma 88.04 vs px 94.40)
Fresh Breakdown — 80wk turn 8w+40wk turn 21w
80wk Downtrend — trend only (sma 92.38 vs px 94.40)
Funds Distributing — momZ +1.34 · 5.75→5.48
Short Attack — velZ +1.82 · age 19w×1.00 · 5.62%
Seasonal Headwind — july med -5.2% (mag 2/3) · posClose 36.36% (rel 1/3) · n11 ×1 = 8.8
RS Breakdown — momZ +0.94 · low 40w×0.52 · vs industry
About HealthEquity Inc
HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuatio… Read full Trend Edge analysis →
Sector: Healthcare
Industry: Health Information Services
Exchange: NASDAQ
IPO Date: July 31, 2014
Headquarters: 15 West Scenic Pointe Drive, Draper, UT, United States, 84020
Founder-Led: Yes — Stephen Neeleman (Founder and Vice Chairman)
Key Metrics
Current Price
$95.66
Market Cap
$7.93B
Float
81.9M
Shares Outstanding
83.6M
P/E (Forward)
20.37
P/E (TTM)
35.51
Price/Sales (TTM)
5.93
vs. Analyst Target
+20.8% to analyst PT
Profit Margin
17.25%
Operating Margin (TTM)
29.34%
Revenue (TTM)
$1.34B
Earnings Growth (YoY)
34.40%
Dividend Rate
None
Analyst Target Price
$115.56 (14 analysts)
Financial History
Annual Revenue & Earnings History
Year
Revenue
Net Income
Gross Profit
EBITDA
2021
$734M
$8.8M
$339M
$155M
2022
$757M
-$44.3M
$341M
$103M
2023
$862M
-$26.1M
$396M
$172M
2024
$1.00B
$55.7M
$530M
$282M
2025
$1.20B
$96.7M
$693M
$338M
2026
$1.31B
$215M
$913M
$489M
Recent Quarterly Revenue & Net Income
Quarter
Revenue
Net Income
Jul 2025
$326M
$59.9M
Oct 2025
$322M
$51.7M
Jan 2026
$335M
$49.7M
Apr 2026
$355M
$69.4M
Ownership & Float
Insider Ownership
2.2%
Institutional Ownership
107.1%
Short Float
5.6%
% of All Funds Holding
5.48%
Number of Funds Holding
450
Current Moving Averages
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
Timeframe
SMA
Value
Trend Context
Weekly
10-Week SMA
$89.43
Near-term / short-term trend
Weekly
40-Week SMA
$88.17
Medium-term trend
Weekly
80-Week SMA
$92.36
Cyclical trend (business cycle)
Weekly
200-Week SMA
$80.51
Secular trend (multi-year)
Monthly
10-Month SMA
$89.31
Near-term monthly trend
Monthly
20-Month SMA
$93.49
Medium-term monthly trend
Monthly
40-Month SMA
$84.20
Secular monthly trend
Volume Shelves — Support & Resistance
Trend Edge identifies volume shelves: price zones where historically elevated trading volume
creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative
volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
Price Level
Type
Volume Ratio
Age
$76.00
support
1.04x
3 months ago
$110.00
resistance
1.91x
15 months ago
Historical Earnings Reactions (48 events)
Timeframe
Avg Return
Median
Win Rate
Best
Worst
Gap
0.98%
1.56%
64.58%
12.21%
-31.82%
1 Day
1.60%
2.63%
70.83%
11.61%
-24.60%
1 Week
-0.11%
1.01%
54.17%
14.04%
-28.99%
2 Weeks
0.92%
0.15%
52.08%
24.33%
-29.70%
1 Month
0.17%
0.15%
51.06%
24.67%
-43.39%
Next earnings: September 1, 2026 (49 days away)
Seasonality & Day-of-Week Patterns
Monthly Seasonality
Month
Avg Return
Win Rate
Samples
Jan
3.8%
58.3%
12
Feb
3.6%
50.0%
12
Mar
-0.5%
41.7%
12
Apr
1.0%
50.0%
12
May
5.4%
91.7%
12
Jun
5.5%
75.0%
12
Jul
-1.3%
36.4%
11
Aug
0.2%
50.0%
12
Sep
2.9%
75.0%
12
Oct
2.2%
50.0%
12
Nov
7.9%
66.7%
12
Dec
-8.3%
16.7%
12
Day-of-Week Tendencies
Day
Avg Return
Win Rate
Samples
Monday
0.19%
53.9%
562
Tuesday
0.17%
53.3%
619
Wednesday
0.16%
53.1%
616
Thursday
-0.06%
51.6%
603
Friday
0.02%
52.2%
602
Top Institutional Holders
Institutional holder breakdown coming soon.
Total institutional ownership: 107.1%
Insider Transactions — Smart Summary
Total insider ownership: 2.2%
Founder-led management: Stephen Neeleman (Founder and Vice Chairman)
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for HealthEquity Inc
(HQY) powered by Claude Opus — Anthropic's most capable AI model.
The analysis covers five layers:
technical analysis (near-term, medium-term, cyclical, and secular trend, momentum,
volume shelf support and resistance, breakout and breakdown signals),
qualitative analysis (business model, competitive moat, sector dynamics),
insider sentiment (buy and sell signals from executive and director transactions),
share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and
fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit,
stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward.
Whether you are building a long position, initiating a short, or looking for a reversal setup,
AI Consult identifies the highest-probability signal from the current trend.