ScoreWhy is HealthEquity, Inc. ?
1
Healthy long term growth as Net Sales has grown by an annual rate of 11.87%
2
With a growth in Net Profit of 67.09%, the company declared Very Positive results in Jul 25
- The company has declared positive results for the last 9 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 366.91 MM
- ROCE(HY) Highest at 6.78%
- INTEREST COVERAGE RATIO(Q) Highest at 864.81
3
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to HealthEquity, Inc. should be less than 10%
- Overall Portfolio exposure to Capital Markets should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HealthEquity, Inc. for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
HealthEquity, Inc.
-5.64%
0.53
40.22%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.87%
EBIT Growth (5y)
25.59%
EBIT to Interest (avg)
2.25
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.78%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
4.24%
ROE (avg)
3.32%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
53
Industry P/E
Price to Book Value
4.54
EV to EBIT
38.52
EV to EBITDA
24.08
EV to Capital Employed
3.59
EV to Sales
8.39
PEG Ratio
0.50
Dividend Yield
NA
ROCE (Latest)
9.32%
ROE (Latest)
8.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 366.91 MM
ROCE(HY)
Highest at 6.78%
INTEREST COVERAGE RATIO(Q)
Highest at 864.81
NET PROFIT(Q)
Highest at USD 60.82 MM
RAW MATERIAL COST(Y)
Fallen by -9.52% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 11.56 times
OPERATING PROFIT(Q)
Highest at USD 129.33 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.69 %
PRE-TAX PROFIT(Q)
Highest at USD 79.31 MM
EPS(Q)
Highest at USD 0.68
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for HealthEquity, Inc.
Operating Cash Flow
Highest at USD 366.91 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Highest at 864.81
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Profit
Highest at USD 60.82 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 129.33 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 39.69 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 79.31 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 79.31 MM has Grown at 63.9%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 60.82 MM has Grown at 63.56%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.68
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Debtors Turnover Ratio
Highest at 11.56 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by -9.52% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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