HQY Earnings

HQY reported its FY2026Q3 earnings on 2025-12-03, showcasing a revenue of 322.00M against an estimate of 321.00M, resulting in a 0.37% surprise. The EPS was 1.01, surpassing the expected 0.91 by 10.99% . The stock experienced a -3.01% price change on the earnings day and a -5.45% change over the next five days, reflecting market reactions to the results.

Following HQY's FY2026Q3 earnings announcement on 2025-12-03, the stock price moved by -3.01% on the day of the release. Over the subsequent five days, it saw a -5.45% change. Historically, HQY's stock price tends to shift by an average of -0.45% in the 10 days leading up to earnings and -2.52% in the 10 days following, providing insight into potential market.

For 2026/Q4, analysts estimate HQY’s annual revenue to reach 332.00M, while the EPS is projected at 1.00. These estimates reflect recent revisions, with revenue estimates revised Revenue Revise Upward by 0.18% and EPS estimates Revise Upward by 0.13% over the past three months, indicating analyst expectation in the company’s performance.

The correlation between HQY's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock’s fundamentals. Over the past three months, revenue estimates for FY2026 were Revise Upward by 0.18%, while EPS estimates moved Revise Upward by 0.13% . This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, HQY's stock price typically moves by -0.45% in the 10 days before its earnings and -2.52% in the 10 days after. For the upcoming 2026/Q4 earnings, analysts expect an EPS of 1.00 and revenue of 332.00M.

The earnings call summary and Q&A indicate positive financial performance, strategic HSA market expansion, and efficiency improvements through AI and automation. Despite competitive pressures, the company maintains high retention rates and leverages a strong enterprise pipeline. The Bronze plan expansion adds significant growth potential, supported by positive analyst sentiment. While management avoided some specifics, optimistic guidance and strategic investments in technology and shareholder returns bolster a positive outlook.