HEALTHEQUITY, INC.

HQY 10-K · FY 2026
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HQY FY 2026 request

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Income Statement

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Income Statement
Metric FY 2026 FY 2025 YoY
Revenue 1,313,429 1,199,774 +9.5%
Show Product Lines breakouts
Credit And Debit Card 191,607 176,043 +8.8%
Financial Service Other 636,800 545,414 +16.8%
Service 485,022 478,317 +1.4%
Cost of Revenue 400,313 422,515 -5.3%
Show Product Lines breakouts
Credit And Debit Card 27,985 31,252 -10.5%
Financial Service Other 43,821 39,675 +10.4%
Service 328,507 351,588 -6.6%
Gross Profit 913,116 777,259 +17.5%
Sales & Marketing 95,240 90,739 +5.0%
Research & Development 262,510 239,513 +9.6%
General & Administrative 119,933 132,260 -9.3%
Amortization Of Acquired Intangible 107,953 111,878 -3.5%
Business Combination Integration Related Costs 5,024 40,535 -87.6%
Operating Expenses 590,660 614,925 -3.9%
Operating Income 322,456 162,334 +98.6%
Interest Expense -57,131 -60,634 +5.8%
Other Non-Operating Income (Expense) 12,107 14,334 -15.5%
Non-Operating Income (Expense) -45,024 -46,300 +2.8%
Income Before Taxes 277,432 116,034 +139.1%
Income Tax Expense (Benefit) 62,231 19,331 +221.9%
Net Income 215,201 96,703 +122.5%
Show Equity Components breakouts
Retained Earnings 215,201 96,703 +122.5%
EPS (Basic) 2.5 1.11 +125.2%
EPS (Diluted) 2.46 1.09 +125.7%
Wtd Avg Shares (Basic) 86,132 86,870 -0.8%
Wtd Avg Shares (Diluted) 87,473 88,828 -1.5%
Comprehensive Income 209,494 96,703 +116.6%
Other Comprehensive Income -5,707 — —
Show Equity Components breakouts
Accumulated Other Comprehensive Income -5,707 — —
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax -5,695 — —

Balance Sheet

Balance Sheet
Metric FY 2026 FY 2025 YoY
Current Assets
Cash & Cash Equivalents 318,927 295,948 +7.8%
Accounts Receivable 123,696 118,006 +4.8%
Prepaid Expenses & Other Current Assets 69,658 63,795 +9.2%
Total Current Assets 512,281 477,749 +7.2%
Non-Current Assets
Property, Plant & Equipment 3,177 3,239 -1.9%
Operating Lease Right-of-Use Assets 36,310 43,185 -15.9%
Goodwill 1,648,145 1,648,145 0.0%
Other Non-Current Assets 83,247 71,574 +16.3%
Total Assets 3,380,332 3,448,550 -2.0%
Intangible Assets 1,097,172 1,204,658 -8.9%
Show Finite Lived Intangible Assets By Major Class breakouts
Acquired HSA portfolios 563,617 612,405 -8.0%
Customer Relationships 451,270 502,962 -10.3%
Developed Technology Rights 3,979 11,159 -64.3%
Software And Software Development Costs 78,306 78,132 +0.2%
Other Assets
Intangible Assets Net Excluding Goodwill 1,097,172 1,204,658 -8.9%
Current Liabilities
Accounts Payable 12,159 14,361 -15.3%
Employee Related Liabilities Current 60,392 69,330 -12.9%
Accrued Liabilities 74,388 62,631 +18.8%
Operating Lease Liability Current 9,911 10,001 -0.9%
Total Current Liabilities 156,850 156,323 +0.3%
Non-Current Liabilities
Long-Term Debt 957,379 1,056,301 -9.4%
Operating Lease Liabilities 34,190 42,219 -19.0%
Other Non-Current Liabilities 31,007 22,962 +35.0%
Deferred Tax Liabilities 93,710 55,834 +67.8%
Liabilities Noncurrent 1,116,286 1,177,316 -5.2%
Total Liabilities 1,273,136 1,333,639 -4.5%
Long-Term Debt 957,379 1,056,301 -9.4%
Show Debt Instrument breakouts
4.50% Senior Notes due 2029 600,000 — —
Credit Agreement · Revolving Credit Facility 361,875 — —
Stockholders' Equity
Common Stock 8 9 -11.1%
Additional Paid-In Capital 1,916,989 1,905,628 +0.6%
Retained Earnings 195,906 209,274 -6.4%
Accumulated Other Comprehensive Income -5,707 — —
Total Stockholders' Equity 2,107,196 2,114,911 -0.4%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -5,707 — —
Additional Paid In Capital 1,916,989 1,905,628 +0.6%
Common Stock 8 9 -11.1%
Retained Earnings 195,906 209,274 -6.4%
Total Liabilities & Equity 3,380,332 3,448,550 -2.0%

Cash Flow Statement

Cash Flow Statement
Metric FY 2026 FY 2025 YoY
Operating Activities
Depreciation & Amortization 154,657 162,451 -4.8%
Stock-Based Compensation 73,063 96,425 -24.2%
Amortization Of Financing Costs And Discounts 1,078 2,067 -47.8%
Amortization Of Deferred Hedge Gains -16 — —
Deferred Income Taxes And Tax Credits 39,730 -12,836 +409.5%
Change in Accounts Receivable -5,690 -13,113 +56.6%
Change in Prepaid & Other Assets -12,663 -11,790 -7.4%
Increase Decrease In Operating Lease Right Of Use Asset 6,785 6,664 +1.8%
Increase Decrease In Employee Related Liabilities -8,806 17,758 -149.6%
Increase Decrease In Accrued Liabilities 1,708 8,888 -80.8%
Increase Decrease In Operating Lease Liability Noncurrent -8,001 -7,779 -2.9%
Change in Other Liabilities 48 -7,158 +100.7%
Net Cash from Operations 457,094 339,856 +34.5%
Deferred Income Taxes 39,762 -12,829 +409.9%
Investing Activities
Payments For Software -46,515 -51,129 +9.0%
Capital Expenditures -1,969 -2,084 +5.5%
Payments To Acquire Intangible Assets -293 -452,241 +99.9%
Payments For Proceeds From Derivative Instrument Investing Activities 1,637 — —
Net Cash from Investing -47,140 -505,454 +90.7%
Noncash Or Part Noncash Acquisition Intangible Assets Acquired1 4,332 5,971 -27.4%
Stock Repurchased But Not Yet Paid 3,174 754 +321.0%
Derivatives Settled 2,465 — —
Financing Activities
Repayments Of Long Term Debt -100,000 -561,875 +82.2%
Share Repurchases -299,254 -121,493 -146.3%
Payments For Proceeds From Settlement Of Client Held Funds 867 -1,620 +153.5%
Proceeds From Stock Options Exercised 11,412 9,428 +21.0%
Net Cash from Financing -386,975 57,567 -772.2%
Net Change in Cash 22,979 -108,031 +121.3%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 318,927 295,948 +7.8%
Supplemental
Interest Paid 52,245 58,587 -10.8%
Income Taxes Paid 8,042 26,069 -69.2%
Unpaid Capital Expenditures 16 45 -64.4%

Values in thousands USD. Source: SEC EDGAR 10-K filing.

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