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HealthEquity Inc (HQY) — chart, structure and Closelooknet read

The Closelooknet read

HealthEquity runs technology platforms that administer health savings accounts and related benefit programmes for employers and their employees across the United States. It offers an investment platform and a web-based advisory tool that lets account holders put part of their savings into investments.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for HQY, from the same nightly bakes the boards use. Research diary readings, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 46/100 · S&P 500 fund at 50, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-02
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 76th percentile of the window, -20.6% over 20 sessions. Factor regime → 2026-11-02
  • Sector × region Health care in US: +3.0% week · +11.1% month · +14.3% quarter · +26.9% yearThe Sector Engine cell this name lives in, from XLV.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-02
  • Sovereign pressure Index -1.63 · down 2.22 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-02
How it trades on rate days beta 0.30 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How HQY has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.30 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), HealthEquity Inc moved 0.30% on average · correlation 0.08 · higher than 22% of US names
  • Beta, last 3 months 0.50 more rate-sensitive lately than over the year
  • On the 10 worst bond days −0.02% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days −1.98% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against Health Information Services · US · 8 names with week and year-to-date

Peer group

Health Information Services · US

Names in the same industry from the Closelooknet universe; scored names rank on their Closelooknet score, the rest on trend state.

Compared against HQY on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — HealthEquity Inc

HQY in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
HealthEquity runs technology platforms that administer health savings accounts and related benefit programmes for employers and their employees across the United States. It offers an investment platform and a web-based advisory tool that lets account holders put part of their savings into investments. The company also manages flexible spending accounts, health reimbursement arrangements, continuation-of-coverage administration and pre-tax commuter benefits, and runs a marketplace for healthcare purchases. It reaches clients through direct sales, brokers, health plans and retirement-plan record-keepers, and is based in Draper, Utah.
Where it sits in the stack
HealthEquity holds no seat in our index. It sits in the diary's Healthcare sleeve, under the health information services industry, alongside other benefit-administration platforms.
Who it is priced against
Closelooknet's peer group does not yet cover this name; the market commonly compares it with WEX, another administrator of pre-tax benefit accounts.
Why Closelooknet tracks it
HealthEquity carries a Closelooknet score, but only one module has been built so far, so the read is still being assembled. It holds no seat in our index and has not yet appeared in the diary's editions or quotes.
What the diary watches
The diary watches whether balances held in the investment platform keep growing relative to plain deposit balances, since that mix shapes how the business earns from float and fees.

HealthEquity Inc (HQY) trades on US exchanges, classified under Healthcare.

The Closelooknet company score reads 62/100 composite (momentum 77, quality 70, valuation 40) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 2 analyst actions on the wire · latest: price target by BMO Capital, 2026-10-21

The Street on this name

Analyst actions and the latest print for HQY from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target BMO Capital — target 125 from 105 Target raised to $125 from $105 (+27.1% to spot) 2026-10-21
  • Price target Deutsche Bank — target 142 from 135 Target raised to $142 from $135 (+51.2% to spot) 2026-08-31

2 actions on the analyst wire since 2026-08-13: 2 target changes. Analyst wire → · Earnings wire →

Dividends and capital return no distribution in twelve months · buybacks 299 m USD in FY2026

Dividends and capital return

What HQY pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2026 299 m USD 3.5% of today's market value
  • Share count −1.5% in FY2026 73 m USD of stock-based compensation in the year
  • Capital returned 299 m USD · 66% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-03

Quick answers

What is HealthEquity Inc (HQY)?

HealthEquity Inc trades as HQY on the US exchange (US) and is classified under Healthcare in the Closelooknet research universe, as of the registry build of 2026-11-03.

Is HQY in a Closelooknet index?

Not currently — HealthEquity Inc is tracked in the Closelooknet research universe but is not a constituent of a Closelooknet functional index as of 2026-11-03.

What is HealthEquity Inc's Closelooknet composite score?

62 out of 100, with momentum 77, quality 70 and valuation 40 sub-scores, as of 2026-11-03. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does HQY trade against its moving averages?

HealthEquity Inc trades 8.7% above its 50-day and 16.4% above its 200-day moving average (7.4% above its 20-day). As of 2026-11-02 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How does HealthEquity Inc compare with its peers?

Against its peer group (Health Information Services · US), HealthEquity Inc (HQY) sits 3.7% below its 52-week high, 8.7% above its 50-day average; Veeva Systems Inc Class A (VEEV) is 4.0% below, Hinge Health, Inc. (HNGE) is 2.8% below, HealthStream Inc (HSTM) is 2.9% below, as of 2026-11-02. Put any of them next to HQY in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does HealthEquity Inc trade when bond yields rise?

Over the past year HealthEquity Inc had a beta of 0.30 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 22% of US names. On the 10 sessions in which long bonds fell most it moved −0.02% on average, against −0.74% for the S&P 500. As of 2026-11-02; The "How it trades on rate days" block on this page carries the lines.

What does HealthEquity Inc do?

HealthEquity runs technology platforms that administer health savings accounts and related benefit programmes for employers and their employees across the United States. It offers an investment platform and a web-based advisory tool that lets account holders put part of their savings into investments. The company also manages flexible spending accounts, health reimbursement arrangements, continuation-of-coverage administration and pre-tax commuter benefits, and runs a marketplace for healthcare purchases. Closelooknet's peer group does not yet cover this name; the market commonly compares it with WEX, another administrator of pre-tax benefit accounts. (Company snapshot of 2026-09-17.)

Where does HealthEquity Inc sit in the AI build-out?

HealthEquity holds no seat in our index. It sits in the diary's Healthcare sleeve, under the health information services industry, alongside other benefit-administration platforms. HealthEquity carries a Closelooknet score, but only one module has been built so far, so the read is still being assembled. It holds no seat in our index and has not yet appeared in the diary's editions or quotes. (Company snapshot of 2026-09-17.)

Does HealthEquity Inc pay a dividend?

No cash distribution shows in HealthEquity Inc’s price series over the last three years. In fiscal 2026 the company bought back 299 m USD of its own shares, 66% of that year’s free cash flow. The share count fell 1.5% over the fiscal year. As of 2026-11-02; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on HealthEquity Inc recently?

The most recent analyst action on HealthEquity Inc on the Closelooknet wire is a price target by BMO Capital on 2026-10-21 (target 125 from 105). 2 actions on the analyst wire since 2026-08-13: 2 target changes. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for HQY, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

then Health Information Services, then Healthcare. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.