Intrinsic value of HealthEquity - HQY

Previous Close

$87.05

  Intrinsic Value

$33.74

stock screener

  Rating & Target

str. sell

-61%

Previous close

$87.05

 
Intrinsic value

$33.74

 
Up/down potential

-61%

 
Rating

str. sell

We calculate the intrinsic value of HQY stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2018), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 5.2

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046
   2047
   2048

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  28.70
  26.33
  24.20
  22.28
  20.55
  18.99
  17.60
  16.34
  15.20
  14.18
  13.26
  12.44
  11.69
  11.02
  10.42
  9.88
  9.39
  8.95
  8.56
  8.20
  7.88
  7.59
  7.33
  7.10
  6.89
  6.70
  6.53
  6.38
  6.24
  6.12
Revenue, $m
  296
  374
  464
  568
  685
  815
  958
  1,114
  1,284
  1,466
  1,660
  1,867
  2,085
  2,315
  2,556
  2,809
  3,073
  3,348
  3,634
  3,932
  4,242
  4,564
  4,899
  5,247
  5,609
  5,984
  6,375
  6,782
  7,205
  7,646
Variable operating expenses, $m
  217
  272
  335
  408
  490
  581
  682
  792
  911
  1,039
  1,167
  1,312
  1,465
  1,627
  1,796
  1,974
  2,159
  2,353
  2,554
  2,763
  2,981
  3,208
  3,443
  3,687
  3,941
  4,206
  4,480
  4,766
  5,063
  5,373
Fixed operating expenses, $m
  5
  5
  5
  5
  6
  6
  6
  6
  6
  6
  6
  6
  7
  7
  7
  7
  7
  7
  8
  8
  8
  8
  8
  8
  9
  9
  9
  9
  9
  10
Total operating expenses, $m
  222
  277
  340
  413
  496
  587
  688
  798
  917
  1,045
  1,173
  1,318
  1,472
  1,634
  1,803
  1,981
  2,166
  2,360
  2,562
  2,771
  2,989
  3,216
  3,451
  3,695
  3,950
  4,215
  4,489
  4,775
  5,072
  5,383
Operating income, $m
  74
  97
  124
  155
  189
  228
  270
  317
  367
  421
  487
  548
  613
  681
  753
  828
  906
  988
  1,073
  1,161
  1,253
  1,349
  1,448
  1,551
  1,659
  1,770
  1,886
  2,007
  2,132
  2,263
EBITDA, $m
  94
  120
  150
  184
  223
  267
  315
  367
  423
  484
  549
  618
  691
  768
  848
  932
  1,020
  1,112
  1,208
  1,307
  1,411
  1,519
  1,630
  1,747
  1,867
  1,993
  2,123
  2,259
  2,400
  2,548
Interest expense (income), $m
  0
  0
  0
  1
  1
  2
  2
  3
  4
  5
  6
  7
  8
  9
  10
  11
  12
  14
  15
  17
  18
  20
  22
  23
  25
  27
  29
  31
  33
  35
  37
Earnings before tax, $m
  74
  97
  123
  153
  187
  225
  267
  313
  362
  415
  481
  541
  604
  671
  742
  815
  892
  973
  1,056
  1,143
  1,233
  1,327
  1,425
  1,526
  1,632
  1,741
  1,855
  1,974
  2,097
  2,226
Tax expense, $m
  20
  26
  33
  41
  51
  61
  72
  84
  98
  112
  130
  146
  163
  181
  200
  220
  241
  263
  285
  309
  333
  358
  385
  412
  441
  470
  501
  533
  566
  601
Net income, $m
  54
  71
  90
  112
  137
  164
  195
  228
  264
  303
  351
  395
  441
  490
  542
  595
  651
  710
  771
  834
  900
  969
  1,040
  1,114
  1,191
  1,271
  1,354
  1,441
  1,531
  1,625

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  193
  243
  302
  369
  445
  530
  623
  725
  835
  954
  1,080
  1,215
  1,357
  1,506
  1,663
  1,828
  1,999
  2,178
  2,365
  2,558
  2,760
  2,970
  3,187
  3,414
  3,649
  3,894
  4,148
  4,412
  4,688
  4,975
Adjusted assets (=assets-cash), $m
  193
  243
  302
  369
  445
  530
  623
  725
  835
  954
  1,080
  1,215
  1,357
  1,506
  1,663
  1,828
  1,999
  2,178
  2,365
  2,558
  2,760
  2,970
  3,187
  3,414
  3,649
  3,894
  4,148
  4,412
  4,688
  4,975
Revenue / Adjusted assets
  1.534
  1.539
  1.536
  1.539
  1.539
  1.538
  1.538
  1.537
  1.538
  1.537
  1.537
  1.537
  1.536
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
  1.537
Average production assets, $m
  110
  139
  173
  211
  255
  303
  356
  415
  478
  545
  618
  694
  776
  861
  951
  1,045
  1,143
  1,245
  1,352
  1,463
  1,578
  1,698
  1,822
  1,952
  2,086
  2,226
  2,372
  2,523
  2,680
  2,844
Working capital, $m
  -3
  -4
  -5
  -6
  -7
  -8
  -10
  -11
  -13
  -15
  -17
  -19
  -21
  -23
  -26
  -28
  -31
  -33
  -36
  -39
  -42
  -46
  -49
  -52
  -56
  -60
  -64
  -68
  -72
  -76
Total debt, $m
  6
  14
  23
  33
  45
  58
  72
  88
  105
  123
  142
  163
  184
  207
  231
  256
  283
  310
  339
  368
  399
  431
  465
  499
  535
  573
  611
  652
  694
  738
Total liabilities, $m
  29
  37
  46
  57
  68
  81
  95
  111
  128
  146
  165
  186
  208
  230
  254
  280
  306
  333
  362
  391
  422
  454
  488
  522
  558
  596
  635
  675
  717
  761
Total equity, $m
  163
  206
  256
  313
  377
  449
  528
  614
  708
  808
  915
  1,029
  1,149
  1,276
  1,409
  1,548
  1,693
  1,845
  2,003
  2,167
  2,338
  2,515
  2,700
  2,892
  3,091
  3,298
  3,513
  3,737
  3,971
  4,213
Total liabilities and equity, $m
  192
  243
  302
  370
  445
  530
  623
  725
  836
  954
  1,080
  1,215
  1,357
  1,506
  1,663
  1,828
  1,999
  2,178
  2,365
  2,558
  2,760
  2,969
  3,188
  3,414
  3,649
  3,894
  4,148
  4,412
  4,688
  4,974
Debt-to-equity ratio
  0.040
  0.070
  0.090
  0.110
  0.120
  0.130
  0.140
  0.140
  0.150
  0.150
  0.160
  0.160
  0.160
  0.160
  0.160
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.170
  0.180
Adjusted equity ratio
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847
  0.847

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  54
  71
  90
  112
  137
  164
  195
  228
  264
  303
  351
  395
  441
  490
  542
  595
  651
  710
  771
  834
  900
  969
  1,040
  1,114
  1,191
  1,271
  1,354
  1,441
  1,531
  1,625
Depreciation, amort., depletion, $m
  20
  23
  26
  30
  34
  39
  44
  50
  57
  63
  62
  69
  78
  86
  95
  104
  114
  125
  135
  146
  158
  170
  182
  195
  209
  223
  237
  252
  268
  284
Funds from operations, $m
  74
  93
  116
  142
  171
  204
  239
  278
  321
  366
  413
  464
  519
  576
  637
  700
  766
  834
  906
  981
  1,058
  1,139
  1,222
  1,309
  1,400
  1,494
  1,591
  1,693
  1,799
  1,909
Change in working capital, $m
  -1
  -1
  -1
  -1
  -1
  -1
  -1
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -2
  -3
  -3
  -3
  -3
  -3
  -3
  -3
  -3
  -3
  -4
  -4
  -4
  -4
  -4
  -4
Cash from operations, $m
  75
  94
  117
  143
  172
  205
  241
  280
  323
  368
  415
  466
  521
  579
  639
  702
  768
  837
  909
  984
  1,061
  1,142
  1,226
  1,313
  1,403
  1,497
  1,595
  1,697
  1,803
  1,914
Maintenance CAPEX, $m
  -9
  -11
  -14
  -17
  -21
  -25
  -30
  -36
  -41
  -48
  -55
  -62
  -69
  -78
  -86
  -95
  -104
  -114
  -125
  -135
  -146
  -158
  -170
  -182
  -195
  -209
  -223
  -237
  -252
  -268
New CAPEX, $m
  -25
  -29
  -34
  -38
  -43
  -48
  -53
  -58
  -63
  -68
  -72
  -77
  -81
  -86
  -90
  -94
  -98
  -102
  -107
  -111
  -115
  -120
  -125
  -129
  -134
  -140
  -145
  -151
  -157
  -164
Cash from investing activities, $m
  -34
  -40
  -48
  -55
  -64
  -73
  -83
  -94
  -104
  -116
  -127
  -139
  -150
  -164
  -176
  -189
  -202
  -216
  -232
  -246
  -261
  -278
  -295
  -311
  -329
  -349
  -368
  -388
  -409
  -432
Free cash flow, $m
  41
  54
  69
  87
  108
  131
  157
  186
  218
  253
  288
  328
  370
  415
  463
  513
  566
  621
  678
  738
  800
  864
  931
  1,001
  1,074
  1,149
  1,227
  1,309
  1,393
  1,482
Issuance/(repayment) of debt, $m
  6
  8
  9
  10
  12
  13
  14
  16
  17
  18
  19
  21
  22
  23
  24
  25
  26
  27
  29
  30
  31
  32
  33
  35
  36
  37
  39
  40
  42
  44
Issuance/(repurchase) of shares, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  6
  8
  9
  10
  12
  13
  14
  16
  17
  18
  19
  21
  22
  23
  24
  25
  26
  27
  29
  30
  31
  32
  33
  35
  36
  37
  39
  40
  42
  44
Total cash flow (excl. dividends), $m
  47
  62
  78
  97
  119
  144
  171
  202
  235
  271
  307
  348
  392
  438
  487
  538
  592
  648
  706
  767
  830
  896
  965
  1,036
  1,110
  1,186
  1,266
  1,349
  1,436
  1,526
Retained Cash Flow (-), $m
  -37
  -43
  -50
  -57
  -64
  -72
  -79
  -86
  -93
  -100
  -107
  -114
  -120
  -127
  -133
  -139
  -145
  -152
  -158
  -164
  -171
  -178
  -184
  -192
  -199
  -207
  -215
  -224
  -233
  -243
Prev. year cash balance distribution, $m
  220
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  14
  18
  23
  29
  35
  42
  51
  59
  69
  80
  91
  103
  116
  129
  144
  158
  174
  191
  208
  225
  244
  263
  283
  304
  325
  348
  371
  395
  420
  447
Cash available for distribution, $m
  231
  19
  28
  40
  55
  72
  92
  116
  142
  170
  200
  234
  272
  312
  354
  399
  447
  496
  548
  603
  660
  719
  780
  844
  910
  979
  1,051
  1,125
  1,202
  1,283
Discount rate, %
  4.30
  4.52
  4.74
  4.98
  5.23
  5.49
  5.76
  6.05
  6.35
  6.67
  7.00
  7.35
  7.72
  8.11
  8.51
  8.94
  9.39
  9.86
  10.35
  10.87
  11.41
  11.98
  12.58
  13.21
  13.87
  14.56
  15.29
  16.05
  16.86
  17.70
PV of cash for distribution, $m
  221
  17
  25
  33
  43
  52
  62
  72
  81
  89
  95
  100
  103
  105
  104
  101
  97
  91
  84
  77
  68
  60
  51
  43
  35
  29
  23
  17
  13
  10
Current shareholders' claim on cash, %
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

HealthEquity, Inc. provides a range of solutions for managing healthcare accounts (Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs) and Flexible Spending Accounts (FSAs)) for health plans, insurance companies and third-party administrators. The Company is engaged in technology-enabled services platforms that allow consumers to make healthcare saving and spending decisions. Its platform provides an ecosystem where consumers can access their tax-advantaged healthcare savings, compare treatment options and pricing, evaluate and pay healthcare bills, receive personalized benefit and clinical information, earn wellness incentives and make educated investment choices to help in their tax-advantaged healthcare savings. Its products and services include healthcare saving and spending platform, health savings accounts, investment advisory services, reimbursement arrangements and healthcare incentives. Its ecosystem primarily consists of HSA.

FINANCIAL RATIOS  of  HealthEquity (HQY)

Valuation Ratios
P/E Ratio 199.3
Price to Sales 29.1
Price to Book 19.8
Price to Tangible Book
Price to Cash Flow 112.7
Price to Free Cash Flow 157.1
Growth Rates
Sales Growth Rate 40.2%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -74%
Cap. Spend. - 3 Yr. Gr. Rate 21.1%
Financial Strength
Quick Ratio NaN
Current Ratio 0.2
LT Debt to Equity 0%
Total Debt to Equity 0%
Interest Coverage 0
Management Effectiveness
Return On Assets 10.4%
Ret/ On Assets - 3 Yr. Avg. 9.6%
Return On Total Capital 11.2%
Ret/ On T. Cap. - 3 Yr. Avg. 10.7%
Return On Equity 11.2%
Return On Equity - 3 Yr. Avg. 10.7%
Asset Turnover 0.7
Profitability Ratios
Gross Margin 59.6%
Gross Margin - 3 Yr. Avg. 57.2%
EBITDA Margin 29.8%
EBITDA Margin - 3 Yr. Avg. 27.4%
Operating Margin 23%
Oper. Margin - 3 Yr. Avg. 20.9%
Pre-Tax Margin 22.5%
Pre-Tax Margin - 3 Yr. Avg. 20.4%
Net Profit Margin 14.6%
Net Profit Margin - 3 Yr. Avg. 13.1%
Effective Tax Rate 35%
Eff/ Tax Rate - 3 Yr. Avg. 35.7%
Payout Ratio 0%

HQY stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the HQY stock intrinsic value calculation we used $230 million for the last fiscal year's total revenue generated by HealthEquity. The default revenue input number comes from 2018 income statement of HealthEquity. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our HQY stock valuation model: a) initial revenue growth rate of 28.7% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 4.3%, whose default value for HQY is calculated based on our internal credit rating of HealthEquity, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of HealthEquity.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of HQY stock the variable cost ratio is equal to 74.1%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $5 million in the base year in the intrinsic value calculation for HQY stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 5.4% for HealthEquity.

Corporate tax rate of 27% is the nominal tax rate for HealthEquity. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the HQY stock is equal to 6.2%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for HQY are equal to 37.2%.

Life of production assets of 10 years is the average useful life of capital assets used in HealthEquity operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for HQY is equal to -1%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $346 million for HealthEquity - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 60 million for HealthEquity is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of HealthEquity at the current share price and the inputted number of shares is $5.2 billion.

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COMPANY NEWS

▶ HealthEquity Introduces New COO   [Jun-21-18 04:15PM  GlobeNewswire]
▶ 3 Top Healthcare Stocks to Buy in June   [Jun-15-18 10:21AM  Motley Fool]
▶ This Top IBD 50 Stock Beats Earnings Estimates, Lifts Guidance   [04:23PM  Investor's Business Daily]
▶ HealthEquity: Fiscal 1Q Earnings Snapshot   [04:18PM  Associated Press]
▶ HealthEquity Inc to Host Earnings Call   [12:00PM  ACCESSWIRE]
▶ Dow Gains Nearly 200 Points; This FANG Stock Falls On Report   [10:19AM  Investor's Business Daily]
▶ How to Find a Growth Stock   [May-30-18 02:54PM  Motley Fool]
▶ Best HSA Providers By Fees, Features And Investment Options   [Apr-20-18 08:40AM  Investor's Business Daily]
▶ Is There Now An Opportunity In HealthEquity Inc (NASDAQ:HQY)?   [Apr-18-18 06:29AM  Simply Wall St.]
▶ Is HealthEquity (HQY) a Great Growth Stock?   [Apr-10-18 08:55AM  Zacks]
▶ HealthEquity Appoints Angelique Hill as EVP of Operations   [Apr-06-18 04:10PM  GlobeNewswire]
▶ The 1 Stock I'd Buy in April   [Mar-29-18 07:25PM  Motley Fool]
▶ HealthEquity Appoints New Director to the Board   [Mar-28-18 04:07PM  GlobeNewswire]
▶ Forget Bitcoin: You're Better Off Buying These 3 Stocks   [Mar-27-18 06:11PM  Motley Fool]
▶ Company News For Mar 21, 2018   [10:29AM  Zacks]
▶ Why MuleSoft, Square, and HealthEquity Jumped Today   [Mar-20-18 04:31PM  Motley Fool]
▶ Here's Why HealthEquity Is Up 12% Today   [03:43PM  Motley Fool]
▶ HealthEquity meets 4Q profit forecasts   [Mar-19-18 04:26PM  Associated Press]
▶ IBD 50 Stock HealthEquity Beats Q4 Forecasts As HSAs Grow   [04:21PM  Investor's Business Daily]
▶ HealthEquity Inc to Host Earnings Call   [12:30PM  ACCESSWIRE]
▶ HealthEquity Q4 Earnings Preview   [07:33AM  Benzinga]
▶ HealthEquity Sets Date to Announce Year-end Results   [Mar-05-18 05:13PM  GlobeNewswire]
▶ HealthEquity Stock Plunges On HSA Enrollment Fears   [Feb-23-18 10:27AM  Investor's Business Daily]
▶ Stocks Inch Up At Open: Amazon Target Raised, Fed Minutes Loom   [Feb-21-18 09:38AM  Investor's Business Daily]
▶ HealthEquity to Present at Investor Conferences   [Feb-20-18 04:04PM  GlobeNewswire]
▶ Stocks Mixed As Walmart Dents Dow, But Chips Hoist Nasdaq   [01:35PM  Investor's Business Daily]
▶ As Apple, Netflix And Cisco Rise, This IBD 50 Stock Breaks Out   [09:34AM  Investor's Business Daily]
▶ Indexes Extend Win Streaks; One FANG Name Shines, Another Lags   [Feb-13-18 04:20PM  Investor's Business Daily]
▶ Does HealthEquity Incs (NASDAQ:HQY) PE Ratio Warrant A Sell?   [Feb-06-18 07:59PM  Simply Wall St.]
▶ HealthEquity Reports Year-End Sales Metrics   [04:05PM  GlobeNewswire]
▶ HealthEquity Inc to Host Earnings Call   [01:00PM  ACCESSWIRE]
▶ HealthEquity to Announce Year-End HSAs and Custodial Assets   [Jan-23-18 06:06PM  GlobeNewswire]
▶ At $49.41, Is HealthEquity Inc (NASDAQ:HQY) A Buy?   [Jan-10-18 05:22AM  Simply Wall St.]
▶ HealthEquity tops Street 3Q forecasts   [04:20PM  Associated Press]
▶ HealthEquity Inc to Host Earnings Call   [12:00PM  ACCESSWIRE]
▶ HSAs: Room for Improvement   [Nov-24-17 07:00AM  Morningstar]
▶ HealthEquity Sets Date to Announce Third Quarter Results   [Nov-14-17 04:05PM  GlobeNewswire]
▶ Stocks Flashing Renewed Technical Strength: HealthEquity   [Nov-07-17 03:00AM  Investor's Business Daily]
▶ This New Breakout Stock Is Outperforming 95% Of The Market   [Nov-06-17 04:27PM  Investor's Business Daily]
▶ Best Health Savings Account   [Nov-01-17 01:20PM  Kiplinger]
▶ Heres why health care premiums could jump 30%   [Oct-31-17 12:40PM  Yahoo Finance Video]
▶ HealthEquity Sees IBD RS Rating Climb To 72   [Oct-27-17 03:00AM  Investor's Business Daily]
▶ These 3 Stocks Could Rise as Much as 40%   [Oct-26-17 06:00AM  Investopedia]
▶ Trump to unwind Obamacare with new exec. order   [Oct-12-17 01:18PM  Yahoo Finance Video]
▶ What Do Alibaba And Weibo Share With This Health Stock?   [Oct-06-17 09:24PM  Investor's Business Daily]
▶ 5 Reasons This Top Growth Stock's Next Breakout Might Work   [Oct-03-17 03:03PM  Investor's Business Daily]
▶ HealthEquity Earns Relative Strength Rating Upgrade   [Sep-28-17 03:00AM  Investor's Business Daily]
▶ GOP health care bill is doomed as possible vote looms   [Sep-26-17 12:50PM  Yahoo Finance Video]
▶ Why the Republicans bomb on health care   [11:24AM  Yahoo Finance]
▶ HealthEquity to Serve Alliant Credit Union HSA Members   [Sep-18-17 09:00AM  GlobeNewswire]
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