HealthEquity, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from HealthEquity, Inc.'s yearly results (2023–2026), compared with Healthcare companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $19 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 97% of Healthcare companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 96% of Healthcare companies in United States.
- Debt Due Cover Ratio: Debt due within a year is covered 46.1 times by its yearly operating cash. Higher than 94% of Healthcare companies in United States.
Where $100 of sales goes
Latest year (Jan 2026). Taxes and other income are not shown, so the parts need not add up to 100.
Cash quality
Profit Cash Ratio
$283Over the last 3 years, every $100 of reported profit came with $283 of operating cash.
Higher than 86% of Healthcare companies in United States.
Self-Funding Ratio
1.7×Over the last 3 years its own operating cash covered its investment spending (capex) 1.7 times.
Higher than 72% of Healthcare companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 96% of Healthcare companies in United States.
Growth Efficiency Ratio
$53Sales grew 52% in 3 years; of every extra $100 of sales, $53 became extra profit.
Higher than 71% of Healthcare companies in United States.
Asset Productivity Ratio
+52% / +9%In 3 years sales changed by +52% while total assets changed by +9%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
46.1×Debt due within a year is covered 46.1 times by its yearly operating cash.
Higher than 94% of Healthcare companies in United States.
Cash Cushion Ratio
−8%Debt, after subtracting cash, equals 8% of its market value (net debt).
Lower than 77% of Healthcare companies in United States.
Tangible Assets Ratio
19%Of every $100 the company owns, $19 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 97% of Healthcare companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 82% of Healthcare companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (14)
HealthEquity, Inc. owes $0.39 for every $1 it owns. Net profit rose 123% in the year to Jan 2026.
Compared with Healthcare companies in United States · latest annual results Jan 2026.
P/E ratio
36.5Investors pay $36.5 for every $1 of HealthEquity, Inc.'s yearly profit, higher than 67% of Healthcare companies in United States.
P/B ratio
4.20The share price is 4.20 times HealthEquity, Inc.'s book value per share, higher than 67% of Healthcare companies in United States.
Market cap
$8.4 BThe total market value of all of HealthEquity, Inc.'s shares at today's price (share price × number of shares), larger than 88% of Healthcare companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$2.0 BWhat HealthEquity, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Jul 2026).
Book value per share
$24.06Net worth divided by the number of shares. The share price of $100.97 is 4.2 times this, which is the P/B above.
Return on equity (ROE)
11.4%HealthEquity, Inc. earned 11.4% on its shareholders' money over the last year, higher than 85% of Healthcare companies in United States.
Owes vs Owns
0.39×HealthEquity, Inc. owes $0.39 for every $1 it owns (low), lower than 52% of Healthcare companies in United States.
Dividend yield
NoneHealthEquity, Inc. does not currently pay a dividend.
Revenue growth
+9%Revenue rose 9% in the year to Jan 2026, and grew 15% a year on average over 3 years.
Profit growth
+123%Net profit rose 123% in the year to Jan 2026.
Profit margin
16.4%HealthEquity, Inc. keeps $16 of every $100 of revenue as net profit.
Cash quality
2.1×Cash from HealthEquity, Inc.'s business was 2.1× its reported profit in the year to Jan 2026 — its profit turned into cash.
Interest cover
5.7×HealthEquity, Inc.'s operating profit covered its interest costs 5.7 times in the year to Jan 2026.
Cash vs debt
Net debtHealthEquity, Inc. had $683 M more debt than cash (net debt) at Jan 2026.
Questions
What is HealthEquity, Inc.'s P/E ratio?
Investors pay $36.5 for every $1 of HealthEquity, Inc.'s yearly profit, higher than 67% of Healthcare companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For HealthEquity, Inc.: $8.4 B ÷ $2.0 B (31 Jul 2026) = 4.2.
What is HealthEquity, Inc.'s return on equity?
HealthEquity, Inc. earned 11.4% on its shareholders' money over the last year, higher than 85% of Healthcare companies in United States.
How much does HealthEquity, Inc. owe compared with what it owns?
HealthEquity, Inc. owes $0.39 for every $1 it owns (low), lower than 52% of Healthcare companies in United States.
Does HealthEquity, Inc. pay a dividend?
No. HealthEquity, Inc. does not currently pay a dividend.
Is HealthEquity, Inc.'s revenue growing?
Revenue rose 9% in the year to Jan 2026, and grew 15% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.