NYSE: HQY - HealthEquity

Yield per half year: +20.79%
Sector: Healthcare

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1. Summary

Advantages

  • Positive review The stock's return over the last year (28.15%) is higher than the sector average (13.67%).

Disadvantages

  • Negative review Price (83.65 $) is higher than fair price (2.56 $)
  • Negative review Dividends (0%) are below the sector average (1.8652%).
  • Negative review Current debt level 32.18% has increased over 5 years from 0%.
  • Negative review The company's current efficiency (ROE=-1.395%) is lower than the sector average (ROE=12.27%)

2. Share price and performance

2.1. Share price

2.2. News

2.3. Market efficiency

HealthEquity Healthcare Index
7 days 2.9% 0.8% 4%
90 days 26.3% 5.4% 4%
1 year 28.2% 13.7% 43.3%

Positive review HQY vs Sector: HealthEquity has outperformed the "Healthcare" sector by 14.49% over the past year.

Negative review HQY vs Market: HealthEquity has significantly underperformed the market by -15.14% over the past year.

Positive review Stable price: HQY is not significantly more volatile than the rest of the market on "New York Stock Exchange" over the last 3 months, with typical variations of +/- 5% per week.

Long period: HQY with weekly volatility of 0.5414% over the past year.

3. Summary of the report

3.1. General

P/E: 2870
P/S: 5.81

3.2. Revenue

EPS -0.3096
ROE -1.395%
ROA -0.8439%
ROIC 0%
Ebitda margin 23.22%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Negative review company.analysis.fundamental.minus11_title: The current price (83.65 $) is higher than the fair price (2.56 $).

Negative review Price is higher than fair: The current price (83.65 $) is 96.9% higher than the fair price.

4.2. P/E

Negative review P/E vs Sector: The company's P/E (2870) is higher than that of the sector as a whole (50.18).

Negative review P/E vs Market: The company's P/E (2870) is higher than that of the market as a whole (92.53).

4.2.1 P/E Similar companies

4.3. P/BV

Negative review P/BV vs Sector: The company's P/BV (2.64) is higher than that of the sector as a whole (0.0365).

Positive review P/BV vs Market: The company's P/BV (2.64) is lower than that of the market as a whole (24.49).

4.3.1 P/BV Similar companies

4.4. P/S

Negative review P/S vs Sector: The company's P/S indicator (5.81) is higher than that of the sector as a whole (5.26).

Positive review P/S vs Market: The company's P/S indicator (5.81) is lower than that of the market as a whole (49.94).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

Negative review EV/Ebitda vs Sector: The company's EV/Ebitda (28.7) is higher than that of the sector as a whole (16.14).

Positive review EV/Ebitda vs Market: The company's EV/Ebitda (28.7) is lower than that of the market as a whole (76.61).


5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Ebitda

Negative review Yield Trend: Negative and has fallen by -27.06% over the last 5 years.

Negative review Earnings Slowdown: The last year's return (-55.61%) is below the 5-year average return (-27.06%).

Negative review Profitability vs Sector: The return for the last year (-55.61%) is lower than the return for the sector (137.1%).

5.4. ROE

Negative review ROE vs Sector: The company's ROE (-1.395%) is lower than that of the sector as a whole (12.27%).

Positive review ROE vs Market: The company's ROE (-1.395%) is higher than that of the market as a whole (-4.21%).

5.5. ROA

Negative review ROA vs Sector: The company's ROA (-0.8439%) is lower than that of the sector as a whole (7.3%).

Negative review ROA vs Market: The company's ROA (-0.8439%) is lower than that of the market as a whole (7%).

5.6. ROIC

Negative review ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (13.31%).

Negative review ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (8.49%).

6. Finance

6.1. Assets and debt

Positive review Debt level: (32.18%) is quite low in relation to assets.

Negative review Increasing debt: over 5 years, the debt has increased from 0% to 32.18%.

Negative review Excess of debt: The debt is not covered by net income, percentage -3810.34%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Negative review Low yield: The dividend yield of the company 0% is below the average for the sector '1.8652%.

7.2. Stability and increase in payments

Negative review Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.

Negative review Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.

7.3. Payout percentage

Negative review Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Negative review Insider Selling More insider purchases by 528.66% over the last 3 months.

8.2. Latest transactions

Transaction date Insider Type Price Volume Quantity
09.02.2024 Ladd Delano
EVP, GC & CORPORATE SECRETARY
Sale 80 199 920 2499
08.01.2024 Ladd Delano
EVP, GC & CORPORATE SECRETARY
Sale 70 181 020 2586
08.12.2023 Neeleman Stephen
FOUNDER AND VICE CHAIRMAN
Sale 68.57 4 799 900 70000
08.12.2023 Neeleman Stephen
FOUNDER AND VICE CHAIRMAN
Buy 14 980 000 70000
22.09.2023 Corvino Frank
Director
Sale 72.27 365 903 5063