ScoreWhy is HealthEquity, Inc. ?
1
Healthy long term growth as Net Sales has grown by an annual rate of 11.57%
2
With a growth in Net Profit of 88.66%, the company declared Very Positive results in Oct 25
- The company has declared positive results for the last 9 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 414.93 MM
- NET PROFIT(HY) At USD 113.4 MM has Grown at 52.27%
- ROCE(HY) Highest at 9.01%
3
With ROE of 10.33%, it has a expensive valuation with a 3.15 Price to Book Value
- Over the past year, while the stock has generated a return of -20.31%, its profits have risen by 65.1% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -20.31% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
HealthEquity, Inc.
-19.7%
-0.18
38.05%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.57%
EBIT Growth (5y)
30.22%
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
30
Industry P/E
Price to Book Value
3.15
EV to EBIT
22.67
EV to EBITDA
15.37
EV to Capital Employed
2.63
EV to Sales
5.74
PEG Ratio
0.46
Dividend Yield
NA
ROCE (Latest)
11.60%
ROE (Latest)
10.33%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 414.93 MM
NET PROFIT(HY)
At USD 113.4 MM has Grown at 52.27%
ROCE(HY)
Highest at 9.01%
RAW MATERIAL COST(Y)
Fallen by -11.37% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 11.84 times
PRE-TAX PROFIT(Q)
At USD 68.69 MM has Grown at 68.96%
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 414.93 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)
Net Profit
At USD 113.4 MM has Grown at 52.27%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Pre-Tax Profit
At USD 68.69 MM has Grown at 68.96%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Debtors Turnover Ratio
Highest at 11.84 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 -11.37% (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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