HQY Stock Analysis: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$105.41
1.14 (1.09%)
▲
5d:
+0.65%
30d:
+11.75%
90d:
+21.96%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 27, 2026
3d
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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
$141.87
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$88.09
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 20.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $105.41, which is considered extended relative to its 30-day fair value range of $97.57 to $105.34. From a valuation perspective, the stock is trading at a premium (Forward PE: 23.2) compared to its historical average (20.0). At these levels, the market is pricing in 5.1% 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 uptrend. The price is approaching resistance at $107.62. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (18th 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 $118.53 (+12.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HQY is in a strong uptrend. The price is approaching resistance at $107.62. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (18th 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 $118.53 (+12.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$97.57 -
$105.34
Company Quality Score
41/100
(HOLD)
Options IV Signal
18th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
57.7%
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
- BULLISH: Options cheap (IV 18th percentile)
- NEUTRAL: Mixed technical signals (49/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($118.53)
- NEUTRAL: Trading at premium valuation - market expects 5.1% growth which is achievable
- WARNING: Composite score 41/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$97.57 -
$105.34
Current vs Trading Range
EXTENDED
Expected Move (7 Days)
±$6.83
(6.5%)
Support & Resistance Levels
Support Level
$101.58
Resistance Level
$107.62
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
23.22
Wall Street Target
$118.53
(+12.4%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
34.4%
Profit Margin
17.2%
Valuation Premium vs History
+5.1% premium
PE vs Historical
23.2 vs 20.0
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.1%
(market-implied from PE analysis)
1-Year Target
$110.79
(+5%)
2-Year Target
$116.44
(+11%)
3-Year Target
$122.37
(+16%)
3-Yr Target (if PE normalizes)
(PE: 23→20)
PE COMPRESSION
$105.42
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.2, Growth: 14.8%)
$159.51
(+51%)
Base:
(SPY PE: 20.1, Growth: 14.8%)
$137.90
(+31%)
Bear:
(PE: 17.1, Growth: 14.8%)
$117.21
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (39x PE), but valuation improves significantly next year (23x PE) as earnings recover.
Trailing PE: 38.91 | Current EPS (TTM): $2.68
Bull Case
$194.32
(+84%)
Analyst growth 69.4%, PE expands to 42.8
Base Case
$176.65
(+68%)
Market implied 69.4%, PE stable at 38.9
Bear Case
$70.90
(-33%)
Severe decline -20.0%, PE contracts to 33.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 22, 2026 9:57 PM ET
Data refreshes hourly during market hours. Next update: 10:57 PM
Data refreshes hourly during market hours. Next update: 10:57 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.
