HQY Stock Analysis: Buy, Sell, or Hold?
HQY - HealthEquity, Inc
$95.31
3.02 (3.27%)
▲
5d:
+14.24%
30d:
+7.89%
90d:
+14.31%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: May 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD - EXTENDED: HQY is 7.1% above its trading range ($88.99). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
📊 HOLD - EXTENDED: HQY is 7.1% above its trading range ($88.99). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$138.32
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$85.89
Trading above historical range
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 19.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HQY is currently trading at $95.31, which is considered slightly high relative to its 30-day fair value range of $84.99 to $88.99. The stock's valuation (Forward PE: 21.0) is in line with its historical norms (19.5). At these levels, the market is pricing in 2.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HQY is in a strong downtrend. The price is approaching resistance at $95.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: HQY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $115.56 (+21.2%). 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 $95.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: HQY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $115.56 (+21.2%). 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
SLIGHTLY HIGH
Historical Trading Range
$84.99 -
$88.99
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
Protect Your Profits
Holding HQY? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.3%)
- BULLISH: Trading 21.2% below Wall St target ($115.56)
- NEUTRAL: Market pricing in 2.5% annual earnings growth - fairly valued
- CAUTION: Extended 7.1% above its trading range - wait for pullback
Trading Range Analysis
30-Day Trading Range
$84.99 -
$88.99
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$84.20
Resistance Level
$95.00
Current Trend
Strong Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
20.99
Wall Street Target
$115.56
(+21.2%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
34.4%
Profit Margin
17.2%
Valuation Premium vs History
+2.5% premium
PE vs Historical
21.0 vs 19.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.5%
(market-implied from PE analysis)
1-Year Target
$97.69
(+3%)
2-Year Target
$100.14
(+5%)
3-Year Target
$102.64
(+8%)
3-Yr Target (if PE normalizes)
(PE: 21→20)
PE COMPRESSION
$95.35
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.8%)
$149.64
(+57%)
Base:
(SPY PE: 21.0, Growth: 14.8%)
$144.23
(+51%)
Bear:
(PE: 17.8, Growth: 14.8%)
$122.59
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (35x PE), but valuation improves significantly next year (21x PE) as earnings recover.
Trailing PE: 34.57 | Current EPS (TTM): $2.67
Bull Case
$172.64
(+81%)
Analyst growth 70.1%, PE expands to 38.0
Base Case
$156.94
(+65%)
Market implied 70.1%, PE stable at 34.6
Bear Case
$62.76
(-34%)
Severe decline -20.0%, PE contracts to 29.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 03, 2026 9:12 PM ET
Data refreshes hourly during market hours. Next update: 10:12 PM
Data refreshes hourly during market hours. Next update: 10:12 PM
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Technical Signals Check
Is HQY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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