HQY Valuation

Healthequity Inc

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88.007

-1.263(-1.415%)1D

Overview
Forecast
Valuation
Earnings

HQY Relative Valuation

HQY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, HQY is overvalued; if below, it's undervalued.

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Historical Valuation

Healthequity Inc (HQY) is now in the Undervalued zone, suggesting that its current forward PE ratio of 24.02 is considered Undervalued compared with the five-year average of 36.30. The fair price of Healthequity Inc (HQY) is between 90.52 to 159.33 according to relative valuation methord. Compared to the current price of 88.54 USD , Healthequity Inc is Undervalued By 2.19%.

Relative Value

Fair Zone

90.52-159.33

Current Price：88.54

2.19%

Undervalued

24.04

Trailing

Forward

15.62

EV/EBITDA

Healthequity Inc. (HQY) has a current EV/EBITDA of 15.62. The 5-year average EV/EBITDA is 19.92. The thresholds are as follows: Strongly Undervalued below 11.10, Undervalued between 11.10 and 15.51, Fairly Valued between 24.33 and 15.51, Overvalued between 24.33 and 28.74, and Strongly Overvalued above 28.74. The current Forward EV/EBITDA of 15.62 falls within the Historic Trend Line -Fairly Valued range.

29.07

EV/EBIT

Healthequity Inc. (HQY) has a current EV/EBIT of 29.07. The 5-year average EV/EBIT is 148.18. The thresholds are as follows: Strongly Undervalued below -726.13, Undervalued between -726.13 and -288.98, Fairly Valued between 585.33 and -288.98, Overvalued between 585.33 and 1022.48, and Strongly Overvalued above 1022.48. The current Forward EV/EBIT of 29.07 falls within the Historic Trend Line -Fairly Valued range.

6.02

Healthequity Inc. (HQY) has a current PS of 6.02. The 5-year average PS is 6.19. The thresholds are as follows: Strongly Undervalued below 4.12, Undervalued between 4.12 and 5.16, Fairly Valued between 7.22 and 5.16, Overvalued between 7.22 and 8.26, and Strongly Overvalued above 8.26. The current Forward PS of 6.02 falls within the Historic Trend Line -Fairly Valued range.

18.57

P/OCF

Healthequity Inc. (HQY) has a current P/OCF of 18.57. The 5-year average P/OCF is 27.47. The thresholds are as follows: Strongly Undervalued below 9.01, Undervalued between 9.01 and 18.24, Fairly Valued between 36.70 and 18.24, Overvalued between 36.70 and 45.92, and Strongly Overvalued above 45.92. The current Forward P/OCF of 18.57 falls within the Historic Trend Line -Fairly Valued range.

19.56

P/FCF

Healthequity Inc. (HQY) has a current P/FCF of 19.56. The 5-year average P/FCF is 42.29. The thresholds are as follows: Strongly Undervalued below -11.38, Undervalued between -11.38 and 15.45, Fairly Valued between 69.12 and 15.45, Overvalued between 69.12 and 95.96, and Strongly Overvalued above 95.96. The current Forward P/FCF of 19.56 falls within the Historic Trend Line -Fairly Valued range.

Healthequity Inc (HQY) has a current Price-to-Book (P/B) ratio of 3.79. Compared to its 3-year average P/B ratio of 3.28 , the current P/B ratio is approximately 15.64% higher. Relative to its 5-year average P/B ratio of 3.25, the current P/B ratio is about 16.81% higher. Healthequity Inc (HQY) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 3.52%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 3.21% , the current FCF yield is about -100.00% lower.

3.80

P/B

Median3y

3.28

Median5y

3.25

4.22

FCF Yield

Median3y

3.52

Median5y

3.21

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Competitors Valuation Multiple

The average P/S ratio for HQY's competitors is 4.62, providing a benchmark for relative valuation. Healthequity Inc Corp (HQY) exhibits a P/S ratio of 6.02, which is 30.19% above the industry average. Given its robust revenue growth of 15.04%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Blue Owl Technology Finance Corp

Janus Henderson Group PLC

2.44

15.30%

6.92B

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Performance Decomposition

Market capitalization of HQY increased by 12.20% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 10.02 to 16.30.

The secondary factor is the Revenue Growth, contributed 15.04%to the performance.

Overall, the performance of HQY in the past 1 year is driven by Margin Expansion. Which is more sustainable.

15.04%

287.60M → 330.84M

Revenue Growth

62.67%

10.02 → 16.30

Margin Expansion

-65.51%

196.97 → 67.93

P/E Change

12.20%