HQY PE Ratio & Valuation,Is HQY Overvalued

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.

Historical Valuation

Healthequity Inc (HQY) is now in the Undervalued zone, suggesting that its current forward PE ratio of 22.17 is considered Undervalued compared with the five-year average of 35.25. The fair price of Healthequity Inc (HQY) is between 98.52 to 182.81 according to relative valuation methord. Compared to the current price of 96.22 USD , Healthequity Inc is Undervalued By 2.34%.

Relative Value

Fair Zone

98.52-182.81

Current Price：96.22

2.34%

Undervalued

21.94

15.03

EV/EBITDA

Healthequity Inc. (HQY) has a current EV/EBITDA of 15.03. The 5-year average EV/EBITDA is 19.33. The thresholds are as follows: Strongly Undervalued below 10.50, Undervalued between 10.50 and 14.92, Fairly Valued between 23.75 and 14.92, Overvalued between 23.75 and 28.16, and Strongly Overvalued above 28.16. The current Forward EV/EBITDA of 15.03 falls within the Historic Trend Line -Fairly Valued range.

26.32

EV/EBIT

Healthequity Inc. (HQY) has a current EV/EBIT of 26.32. The 5-year average EV/EBIT is 142.22. The thresholds are as follows: Strongly Undervalued below -734.12, Undervalued between -734.12 and -295.95, Fairly Valued between 580.39 and -295.95, Overvalued between 580.39 and 1018.56, and Strongly Overvalued above 1018.56. The current Forward EV/EBIT of 26.32 falls within the Historic Trend Line -Fairly Valued range.

6.01

Healthequity Inc. (HQY) has a current PS of 6.01. The 5-year average PS is 6.19. The thresholds are as follows: Strongly Undervalued below 4.16, Undervalued between 4.16 and 5.17, Fairly Valued between 7.20 and 5.17, Overvalued between 7.20 and 8.22, and Strongly Overvalued above 8.22. The current Forward PS of 6.01 falls within the Historic Trend Line -Fairly Valued range.

17.21

P/OCF

Healthequity Inc. (HQY) has a current P/OCF of 17.21. The 5-year average P/OCF is 26.57. The thresholds are as follows: Strongly Undervalued below 8.02, Undervalued between 8.02 and 17.29, Fairly Valued between 35.85 and 17.29, Overvalued between 35.85 and 45.12, and Strongly Overvalued above 45.12. The current Forward P/OCF of 17.21 falls within the Undervalued range.

18.87

P/FCF

Healthequity Inc. (HQY) has a current P/FCF of 18.87. The 5-year average P/FCF is 41.17. The thresholds are as follows: Strongly Undervalued below -13.60, Undervalued between -13.60 and 13.78, Fairly Valued between 68.56 and 13.78, Overvalued between 68.56 and 95.95, and Strongly Overvalued above 95.95. The current Forward P/FCF of 18.87 falls within the Historic Trend Line -Fairly Valued range.

Healthequity Inc (HQY) has a current Price-to-Book (P/B) ratio of 3.88. Compared to its 3-year average P/B ratio of 3.37 , the current P/B ratio is approximately 15.29% higher. Relative to its 5-year average P/B ratio of 3.28, the current P/B ratio is about 18.36% higher. Healthequity Inc (HQY) has a Forward Free Cash Flow (FCF) yield of approximately 4.99%. Compared to its 3-year average FCF yield of 3.81%, the current FCF yield is approximately 30.99% lower. Relative to its 5-year average FCF yield of 3.35% , the current FCF yield is about 48.96% lower.

3.84

P/B

Median3y

3.37

Median5y

3.28

4.99

FCF Yield

Median3y

3.81

Median5y

3.35

Competitors Valuation Multiple

The average P/S ratio for HQY's competitors is , providing a benchmark for relative valuation. Healthequity Inc Corp (HQY) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 7.23%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of HQY decreased by 0.21% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 1.90 to 16.05.

The secondary factor is the Revenue Growth, contributed 7.23%to the performance.

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

7.23%

300.43M → 322.16M

Revenue Growth

744.74%

1.90 → 16.05

Margin Expansion

-752.18%

-6.75 → 44.00

P/E Change

-0.21%

95.95 → 95.75

Mkt Cap Growth

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Frequently Asked Questions

Is Healthequity Inc (HQY) currently overvalued or undervalued?

What is Healthequity Inc (HQY) fair value?

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. The fair price of Healthequity Inc (HQY) is between 98.52 to 182.81 according to relative valuation methord.

How does HQY's valuation metrics compare to the industry average?

What is the current P/B ratio for Healthequity Inc (HQY) as of Dec 16 2025?

As of Dec 16 2025, Healthequity Inc (HQY) has a P/B ratio of 3.88. This indicates that the market values HQY at 3.88 times its book value.

What is the current FCF Yield for Healthequity Inc (HQY) as of Dec 16 2025?

As of Dec 16 2025, Healthequity Inc (HQY) has a FCF Yield of 4.99%. This means that for every dollar of Healthequity Inc’s market capitalization, the company generates 4.99 cents in free cash flow.

What is the current Forward P/E ratio for Healthequity Inc (HQY) as of Dec 16 2025?

As of Dec 16 2025, Healthequity Inc (HQY) has a Forward P/E ratio of 22.17. This means the market is willing to pay $22.17 for every dollar of Healthequity Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Healthequity Inc (HQY) as of Dec 16 2025?

As of Dec 16 2025, Healthequity Inc (HQY) has a Forward P/S ratio of 6.01. This means the market is valuing HQY at $6.01 for every dollar of expected revenue over the next 12 months.

HQY Valuation