HealthEquity (HQY) Stock: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$89.86
0.49 (0.54%)
▲
5d:
+1.82%
30d:
-8.81%
90d:
-6.95%
WAIT
LOW Confidence
Analysis Updated: Oct 2, 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 $89.86, which is considered oversold relative to its 30-day fair value range of $91.25 to $101.23. The stock's valuation (Forward PE: 19.7) is in line with its historical norms (20.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% over the next few years. This pessimistic expectation contrasts with the company's recent 14.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, HQY is in a strong downtrend. Immediate support is located at $86.02, while resistance sits at $95.97.
Market Sentiment: HQY scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $119.33 (+33.5%). 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 $86.02, while resistance sits at $95.97.
Market Sentiment: HQY scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $119.33 (+33.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$91.25 -
$101.23
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
90.5%
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
- BULLISH: Strong technical setup (65/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 33.5% below Wall St target ($119.33)
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$91.25 -
$101.23
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$86.02
Resistance Level
$95.97
Current Trend
Strong Downtrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
19.68
Wall Street Target
$119.33
(+33.5%)
Revenue Growth (YoY)
7.6%
Earnings Growth (YoY)
14.7%
Profit Margin
17.4%
Valuation Discount vs History
-0.7% cheaper
PE vs Historical
19.7 vs 20.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.7%
(market-implied from PE analysis)
1-Year Target
$88.74
(-1%)
2-Year Target
$88.12
(-1%)
3-Year Target
$87.51
(-2%)
3-Yr Target (if PE normalizes)
(PE: 20→20)
$89.36
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 14.8%)
$140.16
(+57%)
Base:
(SPY PE: 19.7, Growth: 14.8%)
$135.24
(+51%)
Bear:
(PE: 16.7, Growth: 14.8%)
$114.95
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (32x PE), but valuation improves significantly next year (20x PE) as earnings recover.
Trailing PE: 31.93 | Current EPS (TTM): $2.77
Bull Case
$159.50
(+79%)
Analyst growth 63.9%, PE expands to 35.1
Base Case
$145.00
(+62%)
Market implied 63.9%, PE stable at 31.9
Bear Case
$60.15
(-33%)
Severe decline -20.0%, PE contracts to 27.1
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 19.7 to 20.1
Stabilization Target:
$91.26
(+2.1%)
PE Expansion Potential:
+2.1%
Share & Embed Analysis
Last updated: October 02, 2026 12:51 PM ET
Data refreshes hourly during market hours. Next update: 1:51 PM
Data refreshes hourly during market hours. Next update: 1:51 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.
