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

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HQY fair-value estimate

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Bid × AskUpdated Sep 18, 2026 · 10:07 AM ETVol 213.4K · 3-mo avg 843.6K

HealthEquity, Inc. (HQY)

HQYHealthEquity, Inc.loading…
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QTick signal
+6net
4 bull / 1 bear factors · moderate
Bull 7 pts·Bear 1 pts30d
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Market contextSector read · not on fileOKBalance sheet · SafePCE inflation days · not on fileOKNeutral tape · 26/100 · as of 2026-09-18
Smart entry
$94.04
basis · pivot low + s1 · as of 2026-09-17
Target exit zone
$98–100
center $99.18 · basis · round + sma 50 + vwap 50 · as of 2026-09-17
Implied move · 1 wk
±$7.63
8.0% · options-priced
Chart pattern
Golden cross
50d above 200d · bullish structure
Pullback risk
In line
1.07× the norm · 85% saw a ≥10% dip · 63d · tape state: neutral · capped: at bottom zone (2/6 bottoming checks met)
Chart pattern
Golden cross
50d above 200d · bullish structure
Volume vs its own 20-session average0.71×
52-week range$72.76 – $107.62
Below high since 2015-19.0% · $116.65 high
Risk / reward0.59 : 1
Plan stop$88.44
Max pain$90.00 options cluster
RSI 1440.9 fires under 35 · fires near $92.06
Forensic flags1 review
Earnings multiple17.2× fwd · 34.1× trailing
P/E vs its own past10th pctile · 77.9× median
Free cash flow yield5.1% · of market value

Trading 0.71× its typical day, too early in the session to call the pace, price up 0.7%. Over the last 20 sessions, 55% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

2 of 6 aligned — not yet
RSI 14
40.9
fires under 35 · fires near $92.06
vs 50-day
$99.58
below the line
Bollinger
$89.55
no lower pierce · fires near $88.12
VWAP 20
$97.02
below the rolling VWAP
Entry level
$94.04
level below · fires near $94.87
Put wall
$80.00
2026-09-18 expiry · chain of 2026-09-16
MACD
Context
-0.25
below zero · rising toward the flip
RVolStatic
0.71×
10% of the session so far — too early to call the pace
Short int.Static
5.5%
short interest below 20%
ATRStatic
$2.80
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
2026-12-02
in 52 sessions
Next dividend
No indicated yield
no forward dividend on file