Healthequity reported a gross margin of 73.55% and a net margin of 18.72% for the quarter ended Jul 2026. These financial ratios cover 53 quarters of results from Jul 2013 through Jul 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Jul2013 | Oct2013 | Jan2014 | Apr2014 | Jul2014 | Oct2014 | Jan2015 | Apr2015 | Jul2015 | Oct2015 | Jan2016 | Apr2016 | Jul2016 | Oct2016 | Jan2017 | Apr2017 | Jul2017 | Oct2017 | Jan2018 | Apr2018 | Jul2018 | Oct2018 | Jan2019 | Apr2019 | Jul2019 | Oct2019 | Jan2020 | Apr2020 | Jul2020 | Oct2020 | Jan2021 | Apr2021 | Jul2021 | Oct2021 | Jan2022 | Apr2022 | Jul2022 | Oct2022 | Jan2023 | Apr2023 | Jul2023 | Oct2023 | Jan2024 | Apr2024 | Jul2024 | Oct2024 | Jan2025 | Apr2025 | Jul2025 | Oct2025 | Jan2026 | Apr2026 | Jul2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gross Margin | 57.55% | 51.95% | 54.26% | 57.36% | 58.92% | 57.63% | 60.74% | 62.27% | 63.87% | 62.24% | 65.07% | 68.03% | 65.58% | 60.63% | 67.80% | 71.38% | 70.79% | 68.19% | 72.27% | 73.55% | |||||||||||||||||||||||||||||||||
| EBT Margin | -5.07% | -21.53% | -8.78% | -6.73% | -2.86% | 0.00% | 4.10% | 5.84% | 8.46% | 11.33% | 11.56% | 15.54% | 2.07% | 9.61% | 21.45% | 23.95% | 20.96% | 18.20% | 26.06% | 25.05% | |||||||||||||||||||||||||||||||||
| EBIT Margin | -0.20% | -13.40% | -3.54% | -1.17% | 2.56% | 5.65% | 9.48% | 10.16% | 12.40% | 14.82% | 14.48% | 19.65% | 6.53% | 13.52% | 25.11% | 27.50% | 24.43% | 21.24% | 29.03% | 28.14% | |||||||||||||||||||||||||||||||||
| EBITDA Margin | -0.20% | -13.40% | -3.54% | -1.17% | 2.56% | 5.65% | 9.48% | 10.16% | 12.40% | 14.82% | 14.48% | 19.65% | 6.53% | 13.52% | 25.11% | 27.50% | 24.43% | 21.24% | 29.03% | 28.14% | |||||||||||||||||||||||||||||||||
| Operating Margin | -0.20% | -13.40% | -3.54% | -1.17% | 2.56% | 5.65% | 9.48% | 10.16% | 12.40% | 14.82% | 14.48% | 19.65% | 6.53% | 13.52% | 25.11% | 27.50% | 24.43% | 21.24% | 29.03% | 28.14% | |||||||||||||||||||||||||||||||||
| Net Margin | -2.80% | -16.14% | -6.63% | -5.17% | -0.76% | -0.09% | 1.67% | 4.34% | 5.89% | 10.05% | 10.02% | 11.94% | 1.90% | 8.46% | 16.30% | 18.37% | 16.05% | 14.87% | 19.57% | 18.72% | |||||||||||||||||||||||||||||||||
| FCF Margin | 2.97% | 18.14% | -3.19% | 14.34% | 17.05% | 19.51% | 9.22% | 27.64% | 18.25% | 25.29% | 18.19% | 31.98% | 25.96% | 20.05% | 14.71% | 38.50% | 39.82% | 32.33% | 23.01% | 34.60% | |||||||||||||||||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Inventory AverageInventory Avg. | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 3,124.12M | 3,103.36M | 3,086.08M | 3,069.55M | 3,069.39M | 3,076.83M | 3,061.95M | 3,050.73M | 3,079.98M | 3,128.65M | 3,205.14M | 3,380.47M | 3,501.41M | 3,468.45M | 3,432.41M | 3,416.48M | 3,407.37M | 3,389.20M | 3,343.26M | 3,288.77M | |||||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 2,808.48M | 2,792.15M | 2,795.65M | 2,806.11M | 2,825.15M | 2,838.48M | 2,791.49M | 2,823.20M | 2,862.24M | 2,909.99M | 3,023.46M | 3,258.44M | 3,205.73M | 3,171.21M | 3,180.37M | 3,153.26M | 3,116.13M | 3,064.57M | 2,990.05M | 2,921.17M | |||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.24 | 0.24 | 0.25 | 0.26 | 0.27 | 0.28 | 0.29 | 0.31 | 0.32 | 0.32 | 0.33 | 0.33 | 0.33 | 0.35 | 0.36 | 0.37 | 0.38 | 0.39 | 0.40 | 0.41 | |||||||||||||||||||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | -0.03 | -2.54 | -0.70 | -0.21 | 0.46 | 0.92 | 1.55 | 1.86 | 2.28 | 2.85 | 3.53 | 3.82 | 1.08 | 2.76 | 5.59 | 5.99 | 5.60 | 5.36 | 8.18 | 7.83 | |||||||||||||||||||||||||||||||||
| Debt Ratio | 0.30 | 0.30 | 0.31 | 0.31 | 0.31 | 0.31 | 0.29 | 0.28 | 0.28 | 0.28 | 0.29 | 0.31 | 0.31 | 0.31 | 0.31 | 0.29 | 0.29 | 0.28 | 0.29 | 0.28 | |||||||||||||||||||||||||||||||||
| Times Interest Earned | -0.03 | -2.54 | -0.70 | -0.21 | 0.46 | 0.92 | 1.55 | 1.86 | 2.28 | 2.85 | 3.53 | 3.82 | 1.08 | 2.76 | 5.59 | 5.99 | 5.60 | 5.36 | 8.18 | 7.83 | |||||||||||||||||||||||||||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Payout Ratio | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Valuation | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | -0.00M | -136.43 | -385.48 | -461.51 | -0.00M | -0.02M | 0.00M | 549.71 | 419.15 | 246.91 | 238.29 | 191.31 | 0.00M | 362.42 | 137.87 | 140.05 | 156.65 | 146.33 | 99.18 | 127.07 | |||||||||||||||||||||||||||||||||
| Price to SalesP/S | 30.74 | 22.02 | 25.56 | 23.85 | 30.52 | 22.06 | 18.69 | 23.88 | 24.68 | 24.81 | 23.87 | 22.85 | 24.64 | 30.64 | 22.47 | 25.73 | 25.13 | 21.77 | 19.41 | 23.78 | |||||||||||||||||||||||||||||||||
| Price to BookP/B | 2.96 | 2.42 | 2.83 | 2.64 | 3.50 | 2.72 | 2.38 | 2.98 | 3.09 | 3.20 | 3.27 | 3.18 | 3.48 | 4.52 | 3.50 | 3.91 | 3.79 | 3.46 | 3.36 | 4.19 | |||||||||||||||||||||||||||||||||
| Enterprise Value | 4,882.59M | 4,251.79M | 5,096.38M | 4,739.99M | 6,383.79M | 4,903.26M | 4,342.73M | 5,526.13M | 5,816.08M | 6,105.50M | 6,614.73M | 6,526.29M | 7,079.50M | 9,259.36M | 7,145.23M | 8,078.38M | 7,788.21M | 6,963.62M | 6,619.16M | 8,085.47M | |||||||||||||||||||||||||||||||||
| EV to EBIT | -0.01M | -156.03 | -699.19 | -0.00M | 0.00M | 371.01 | 187.34 | 223.37 | 188.28 | 157.01 | 158.89 | 110.75 | 360.74 | 219.68 | 86.01 | 90.15 | 98.97 | 97.98 | 64.29 | 81.93 | |||||||||||||||||||||||||||||||||
| EV to EBITDA | -0.01M | -156.03 | -699.19 | -0.00M | 0.00M | 371.01 | 187.34 | 223.37 | 188.28 | 157.01 | 158.89 | 110.75 | 360.74 | 219.68 | 86.01 | 90.15 | 98.97 | 97.98 | 64.29 | 81.93 | |||||||||||||||||||||||||||||||||
| Market Capitalization | 5,531.72M | 4,477.20M | 5,257.63M | 4,916.88M | 6,593.99M | 5,157.52M | 4,568.37M | 5,816.48M | 6,150.14M | 6,509.48M | 6,865.96M | 6,853.19M | 7,401.66M | 9,555.30M | 7,433.12M | 8,382.84M | 8,097.47M | 7,282.55M | 6,884.53M | 8,341.47M | |||||||||||||||||||||||||||||||||
| Price to FCFP/FCF | 0.00M | 121.39 | -801.71 | 166.28 | 178.98 | 113.04 | 202.72 | 86.41 | 135.20 | 98.09 | 131.22 | 71.46 | 94.92 | 152.84 | 152.69 | 66.82 | 63.13 | 67.33 | 84.37 | 68.73 | |||||||||||||||||||||||||||||||||
| EV to FCF | 915.03 | 115.28 | -777.12 | 160.30 | 173.27 | 107.47 | 192.71 | 82.09 | 127.86 | 92.00 | 126.42 | 68.05 | 90.79 | 148.10 | 146.78 | 64.39 | 60.72 | 64.38 | 81.12 | 66.62 | |||||||||||||||||||||||||||||||||
| EV to CFO | 219.23 | 84.10 | 720.13 | 118.06 | 133.18 | 88.36 | 137.70 | 71.67 | 101.84 | 79.22 | 101.10 | 60.36 | 78.18 | 122.24 | 110.37 | 59.46 | 56.20 | 59.06 | 67.87 | 59.38 | |||||||||||||||||||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | -0.20% | -13.40% | -3.54% | -1.17% | 2.56% | 5.65% | 9.48% | 10.16% | 12.40% | 14.82% | 14.48% | 19.65% | 6.53% | 13.52% | 25.11% | 27.50% | 24.43% | 21.24% | 29.03% | 28.14% | |||||||||||||||||||||||||||||||||
| Return on Capital Employed [ROCE]ROCE | 0.05% | -0.82% | -1.21% | -1.27% | -1.06% | 0.31% | 1.33% | 2.26% | 3.08% | 3.91% | 4.37% | 5.23% | 4.75% | 4.90% | 6.15% | 7.11% | 8.93% | 9.98% | 10.67% | 11.21% | |||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 0.01% | -0.57% | -0.90% | -0.98% | -0.80% | 0.22% | 1.18% | 1.69% | 2.08% | 3.03% | 3.76% | 4.39% | 4.11% | 4.24% | 5.08% | 5.83% | 7.29% | 8.09% | 8.73% | 9.11% | |||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | -0.20% | -1.43% | -1.79% | -2.02% | -1.91% | -0.85% | -0.27% | 0.42% | 0.95% | 1.78% | 2.51% | 3.13% | 2.76% | 2.79% | 3.55% | 4.27% | 5.63% | 6.35% | 6.90% | 7.19% |