HealthEquity (HQY) Stock: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$96.26
1.71 (1.81%)
▲
5d:
-2.55%
30d:
-8.76%
90d:
+8.21%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Aug 27, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: HQY shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: HQY shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$142.58
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$88.53
Trading above historical range
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 20.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $96.26, which is considered oversold relative to its 30-day fair value range of $98.03 to $106.05. The stock's valuation (Forward PE: 21.2) is in line with its historical norms (20.1). At these levels, the market is pricing in 1.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HQY is in a strong downtrend. Immediate support is located at $91.32, while resistance sits at $99.78.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $119.00 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HQY is in a strong downtrend. Immediate support is located at $91.32, while resistance sits at $99.78.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $119.00 (+23.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$98.03 -
$106.05
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
Protect Your Profits
Holding HQY? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 23.6% below Wall St target ($119.00)
- NEUTRAL: Market pricing in 1.8% annual earnings growth - fairly valued
- WARNING: Composite score 47/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$98.03 -
$106.05
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$91.32
Resistance Level
$99.78
Current Trend
Strong Downtrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
21.20
Wall Street Target
$119.00
(+23.6%)
Revenue Growth (YoY)
7.6%
Earnings Growth (YoY)
14.7%
Profit Margin
17.4%
Valuation Premium vs History
+1.8% premium
PE vs Historical
21.2 vs 20.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.8%
(market-implied from PE analysis)
1-Year Target
$97.99
(+2%)
2-Year Target
$99.76
(+4%)
3-Year Target
$101.55
(+6%)
3-Yr Target (if PE normalizes)
(PE: 21→20)
PE COMPRESSION
$96.28
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.2, Growth: 14.8%)
$145.66
(+51%)
Base:
(SPY PE: 20.2, Growth: 14.8%)
$138.58
(+44%)
Bear:
(PE: 17.1, Growth: 14.8%)
$117.80
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (33x PE), but valuation improves significantly next year (21x PE) as earnings recover.
Trailing PE: 33.41 | Current EPS (TTM): $2.83
Bull Case
$166.86
(+73%)
Analyst growth 60.4%, PE expands to 36.8
Base Case
$151.69
(+58%)
Market implied 60.4%, PE stable at 33.4
Bear Case
$64.29
(-33%)
Severe decline -20.0%, PE contracts to 28.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 1:36 AM ET
Data refreshes hourly during market hours. Next update: 2:36 AM
Data refreshes hourly during market hours. Next update: 2:36 AM
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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.
