HQY Stock Analysis: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$88.00
2.33 (2.71%)
▲
5d:
+3.12%
30d:
-3.95%
90d:
-5.33%
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Mar 17, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: HQY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: HQY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$165.20
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$102.58
14.2% Margin of Safety
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 22.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $88.00, which is considered fair relative to its 30-day fair value range of $83.77 to $93.44. From a valuation perspective, the stock is trading at a discount (Forward PE: 18.8) compared to its historical average (22.8). Remarkably, the market is currently pricing in an annual earnings decline of 6.3% over the next few years. This pessimistic expectation contrasts with the company's recent 883.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is approaching resistance at $88.80. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HQY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $119.12 (+39.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is approaching resistance at $88.80. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HQY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $119.12 (+39.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$83.77 -
$93.44
Company Quality Score
55/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
53.8%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 39.1% below Wall St target ($119.12)
Fair Price Analysis
30-Day Fair Range
$83.77 -
$93.44
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$5.23
(5.9%)
Support & Resistance Levels
Support Level
$82.23
Resistance Level
$88.80
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
18.76
Wall Street Target
$119.13
(+39.1%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
883.3%
Profit Margin
14.9%
Valuation Discount vs History
-6.3% cheaper
PE vs Historical
18.8 vs 22.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.3%
(market-implied from PE analysis)
1-Year Target
$80.27
(-6%)
2-Year Target
$75.22
(-12%)
3-Year Target
$70.48
(-18%)
3-Yr Target (if PE normalizes)
(PE: 19→23)
$85.64
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 15.5%)
$156.81
(+83%)
Base:
(SPY PE: 18.8, Growth: 15.5%)
$131.93
(+54%)
Bear:
(PE: 15.9, Growth: 15.5%)
$112.14
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (38x PE), but valuation improves significantly next year (19x PE) as earnings recover.
Trailing PE: 38.00 | Current EPS (TTM): $2.18
Bull Case
$182.27
(+113%)
Analyst growth 100.0%, PE expands to 41.8
Base Case
$165.70
(+93%)
Market implied 100.0%, PE stable at 38.0
Bear Case
$56.34
(-34%)
Severe decline -20.0%, PE contracts to 32.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 18.8 to 22.8
Stabilization Target:
$104.11
(+21.5%)
PE Expansion Potential:
+21.5%
Last updated: February 02, 2026 11:15 AM ET
Data refreshes hourly during market hours. Next update: 12:15 PM
Data refreshes hourly during market hours. Next update: 12:15 PM
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Technical Signals Check
Is HQY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Delano Ladd
SELL
1500 shares
2025-10-20
Michael Henry Fiore
SELL
1781 shares
2025-10-07
Delano Ladd
SELL
6000 shares
2025-09-19
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