HealthEquity (HQY) Stock: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$100.97
3.09 (3.16%)
▲
5d:
+9.14%
30d:
+11.7%
90d:
+6.69%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Dec 02, 2026
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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 $100.97, which is considered extended relative to its 30-day fair value range of $89.25 to $95.54. The stock's valuation (Forward PE: 21.6) is in line with its historical norms (20.1). At these levels, the market is pricing in 2.3% 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 approaching resistance at $101.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.2% recently.
Market Sentiment: HQY scores 20/100 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. Wall Street analysts see significant upside, with an average price target of $119.33 (+21.9%). 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 approaching resistance at $101.06. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.2% recently.
Market Sentiment: HQY scores 20/100 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. Wall Street analysts see significant upside, with an average price target of $119.33 (+21.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$89.25 -
$95.54
Company Quality Score
31/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
29.5%
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
- BEARISH: Price extended above range (+5.7% above its trading range)
- BEARISH: Weak technical setup (20/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.2%)
- BULLISH: Trading 21.9% below Wall St target ($119.33)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
- WARNING: Composite score 31/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$89.25 -
$95.54
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$89.08
Resistance Level
$101.06
Current Trend
Strong Downtrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
21.56
Wall Street Target
$119.33
(+21.9%)
Revenue Growth (YoY)
7.6%
Earnings Growth (YoY)
14.7%
Profit Margin
17.4%
Valuation Premium vs History
+2.3% premium
PE vs Historical
21.6 vs 20.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$100.13
(+2%)
2-Year Target
$102.43
(+5%)
3-Year Target
$104.79
(+7%)
3-Yr Target (if PE normalizes)
(PE: 22→20)
PE COMPRESSION
$97.71
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.6, Growth: 14.8%)
$148.12
(+51%)
Base:
(SPY PE: 19.9, Growth: 14.8%)
$136.45
(+39%)
Bear:
(PE: 16.9, Growth: 14.8%)
$115.98
(+19%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (35x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 34.87 | Current EPS (TTM): $2.77
Bull Case
$174.17
(+78%)
Analyst growth 63.9%, PE expands to 38.4
Base Case
$158.34
(+62%)
Market implied 63.9%, PE stable at 34.9
Bear Case
$65.69
(-33%)
Severe decline -20.0%, PE contracts to 29.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 4:52 PM ET
Data refreshes hourly during market hours. Next update: 5:52 PM
Data refreshes hourly during market hours. Next update: 5:52 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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