HealthEquity, Inc. cash flow to debt ratio of 45.64% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

HealthEquity, Inc.'s free cash flow has increased 34.74% from $337.77M last year to $455.12M, signaling increasing performance

HealthEquity, Inc.'s debt to equity ratio is 0.48, which means that the company's assets are healthy financed, signaling financial stability.

HealthEquity, Inc.'s debt has decreased relative to shareholder equity from 0.52 last year to 0.48 today, signaling strengthened financials

HealthEquity, Inc. has a net debt to EBITDA ratio of 1.40x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

HealthEquity, Inc.'s interest coverage ratio of 6.22 indicates that earnings with good margin can cover interest payments on company debt

HealthEquity, Inc.'s profit margin has increased (114.05%) in the last year from 8.06% to 17.25%, signaling increasing performance

HealthEquity, Inc.'s short-term assets of $512.28M exceed its short-term liabilities of $156.85M

HealthEquity, Inc.'s return on assets of 6.98% is higher than the 5.00% threshold, indicating efficient asset utilization

HealthEquity, Inc.'s return on equity of 10.94%, is lower than 15.00%, indicating bad performance

HealthEquity, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

HealthEquity, Inc. had positive net income in 3 out of 5 years, indicating stable and consistent earnings

HealthEquity, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

HealthEquity, Inc. has a free cash flow yield of 5.10%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

HealthEquity, Inc.'s yearly earnings has increased 122.54% since last year from $96.70M to $215.20M, signaling increasing performance

HealthEquity, Inc.'s yearly revenue has increased 9.47% since last year from $1.20B to $1.31B, signaling increasing performance

ROIC 8.28% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

HealthEquity, Inc.'s 3-year revenue CAGR of 15.08% is positive, indicating growing revenue over the past 3 years

HealthEquity, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

HealthEquity, Inc. had positive ROE in 3 out of 5 years, indicating consistent and reliable returns on equity

HealthEquity, Inc. is overvalued relative to its fair value price of 86.57 based on Discounted Cash Flow model

HealthEquity, Inc. has an earnings yield of 2.56%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

HealthEquity, Inc. is overvalued relative to its fair value price of 18.44 based on EBITDA multiple model

HealthEquity, Inc. has an EV/EBITDA ratio of 19.64x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

HealthEquity, Inc. is overvalued relative to its fair value price of 43.19 based on Earnings Fair Value model

HealthEquity, Inc. has a PEG-ratio under 1 which is considered undervalued

HealthEquity, Inc. has a price-to-book ratio of 4.40x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

HealthEquity, Inc. has a price-to-sales ratio of 6.74x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue