HealthEquity, Inc. (HQY) — Health Information Services. Numbers-first dossier: valuation, distress risk, calibrated signal.

How we compute this

HQYpeers & supply-chain relationships

HQY earnings history

Qtick
Sign in
Bid — × — AskUpdated Nov 6, 2026 · 4:00 PM ETVol 674.4K · 3-mo avg 872.9K

HealthEquity, Inc. (HQY)

HQYHealthEquity, Inc.loading…
loading…
QTick signal
+6net
4 bull / 1 bear factors · moderate
Bull 7 pts·Bear 1 pts30d
loading…
Market context—Sector read · not on fileOKBalance sheet · Safe—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 0/100 · Nov 6
$103.11
near a recent low and a support level · Nov 6
$109–111
near the top of its usual range, a heavy call-option level, the 52-week high and a round-number price · midpoint $110.07 · Nov 6
±$8.40
±8.1% up or down, priced by the options market
Golden cross
50-day average is above the 200-day — an uptrend
In line
85% of similar setups fell 10% or more within 3 months · 1.1× the usual rate · rating eased: at bottom zone (2/6 bottoming checks met)
Golden cross
50-day average is above the 200-day — an uptrend
Trading volume20% below normal0.80× its 20-day average
Past year's range$72.76 – $110.26lowest to highest price
From its peak11.2% belowpeak $116.65, highest since 2015
Gain vs. risk0.81 to 1$0.81 possible gain per $1 at risk
Plan fails below$95.64the setup is broken under this price
Options pressure point$80.00price can drift here near expiry
Momentum (RSI)59.3fires under 35 · fires near $85.49
Accounting warning signs1worth checking — see the list
Price vs. profit18.8× next year37.4× last 12 months
Price vs. its own pastpricier than 24%of the last 5 years · usual P/E 72.6×
Cash it generates4.7%of its market value, per year

Last session traded in line with its own normal, price up 0.2%. Over the last 20 sessions, 40% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

1 of 6 aligned — not yet
RSI 14
●
59.3
fires under 35 · fires near $85.49
vs 50-day
●
$95.52
above the line · fires near $96.25
Bollinger
●
$88.17
no lower pierce · fires near $86.14
VWAP 20
●
$99.94
above the rolling VWAP · fires near $99.87
Entry level
✓
$103.11
within 1% of model level
Put wall
●
$75.00
2026-11-20 expiry · chain of 2026-11-06
MACD
Context✓
+0.49
histogram above zero · fading
RVolStatic
0.80×
in line with its own normal
Short int.Static
7.3%
short interest below 20%
ATRStatic
$3.74
14-session average true range
A checklist, not odds on a return: 4 of 6 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2026-12-01
in 16 sessions
Next dividend
No indicated yield
no forward dividend on file