HQY Stock Analysis: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$85.82
1.21 (1.43%)
▲
5d:
-1.32%
30d:
-0.71%
90d:
+5.12%
BUY
HIGH Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: May 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: HQY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: HQY shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$138.32
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$85.89
0.1% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 19.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $85.82, which is considered slightly low relative to its 30-day fair value range of $84.91 to $89.08. The stock's valuation (Forward PE: 18.6) is in line with its historical norms (19.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 34.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is currently testing key support at $84.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $115.56 (+36.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is currently testing key support at $84.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $115.56 (+36.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$84.91 -
$89.08
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 0th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 36.6% below Wall St target ($115.56)
Trading Range Analysis
30-Day Trading Range
$84.91 -
$89.08
Current vs Trading Range
SLIGHTLY LOW
Expected Move (7 Days)
±$4.71
(5.5%)
Support & Resistance Levels
Support Level
$84.20
Resistance Level
$95.00
Current Trend
Strong Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
18.63
Wall Street Target
$115.56
(+36.6%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
34.4%
Profit Margin
17.2%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
18.6 vs 19.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$83.34
(-2%)
2-Year Target
$82.09
(-3%)
3-Year Target
$80.86
(-4%)
3-Yr Target (if PE normalizes)
(PE: 19→20)
$84.61
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.8%)
$149.64
(+77%)
Base:
(SPY PE: 18.6, Growth: 14.8%)
$128.04
(+51%)
Bear:
(PE: 15.8, Growth: 14.8%)
$108.83
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (32x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 31.79 | Current EPS (TTM): $2.68
Bull Case
$158.80
(+88%)
Analyst growth 69.4%, PE expands to 35.0
Base Case
$144.36
(+71%)
Market implied 69.4%, PE stable at 31.8
Bear Case
$57.94
(-32%)
Severe decline -20.0%, PE contracts to 27.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 18.6 to 19.5
Stabilization Target:
$88.54
(+4.6%)
PE Expansion Potential:
+4.6%
Share & Embed Analysis
Last updated: June 23, 2026 11:54 AM ET
Data refreshes hourly during market hours. Next update: 12:54 PM
Data refreshes hourly during market hours. Next update: 12:54 PM
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Technical Signals Check
Is HQY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced HQY Option Strategies
Professional options setups generated by AI based on today's HQY price and gamma walls.
