HealthEquity (HQY) Stock: Buy, Sell, or Hold?
$103.03
-0.51 (-0.49%)
âŧ
5d:
-5.34%
30d:
+14.24%
90d:
-2.42%
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70/30 Portfolio Builder
Earnings: Dec 01, 2026
19d
Protect HQY Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (53%)
Quality Score
37/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$92.64 â $103.74
Position: SLIGHTLY HIGH
Forward P/E & Valuation
22.8x
FAIR
vs 20.3x historical avg
Wall Street Target
$120.67
+16.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$100.54 / $110.26
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: HQY is fairly priced but lacks strong directional signals. At 4.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$144.00
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$89.41
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 20.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $103.03, which is considered slightly high relative to its 30-day fair value range of $92.64 to $103.74. From a valuation perspective, the stock is trading at a premium (Forward PE: 22.8) compared to its historical average (20.3). At these levels, the market is pricing in 4.0% 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. The price is currently testing key support at $100.54. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HQY scores 31/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. 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 $120.67 (+16.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is currently testing key support at $100.54. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HQY scores 31/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. 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 $120.67 (+16.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$92.64 -
$103.74
Company Quality Score
37/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
52.7%
Trading Range & Key Levels
30-Day Trading Range
$92.64 -
$103.74
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
Âą$5.40
(5.2%)
Support Level
$100.54
Resistance Level
$110.26
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding HQY? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Options cheap (IV 0th percentile)
- BEARISH: Weak technical setup (31/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($120.67)
- NEUTRAL: Market pricing in 4.0% annual earnings growth - fairly valued
- WARNING: Composite score 37/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
22.80
Wall Street Target
$120.67
(+16.5%)
Revenue Growth (YoY)
7.6%
Earnings Growth (YoY)
14.7%
Profit Margin
17.4%
Valuation Premium vs History
+4.0% premium
PE vs Historical
22.8 vs 20.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.0%
(market-implied from PE analysis)
1-Year Target
$107.68
(+4%)
2-Year Target
$111.99
(+8%)
3-Year Target
$116.47
(+13%)
3-Yr Target (if PE normalizes)
(PE: 23â20)
PE COMPRESSION
$103.68
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.8, Growth: 14.8%)
$156.68
(+51%)
Base:
(SPY PE: 19.9, Growth: 14.8%)
$136.45
(+32%)
Bear:
(PE: 16.9, Growth: 14.8%)
$115.98
(+12%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (37x PE), but valuation improves significantly next year (23x PE) as earnings recover.
Trailing PE: 36.86 | Current EPS (TTM): $2.77
Bull Case
$184.11
(+78%)
Analyst growth 63.9%, PE expands to 40.6
Base Case
$167.37
(+62%)
Market implied 63.9%, PE stable at 36.9
Bear Case
$69.43
(-33%)
Severe decline -20.0%, PE contracts to 31.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (HQY)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jul 29, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits shows bullish sentiment with one user identifying a potential bull flag breakout for $HQY, while no recent news articles were available.
Key Retail Themes:
Bullish sentiment
Technical analysis
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 3:55 PM ET
Data refreshes hourly during market hours. Next update: 4:55 PM
Data refreshes hourly during market hours. Next update: 4:55 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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