In the last three months, 8 analysts have published ratings on HealthEquity (NASDAQ:HQY), offering a diverse range of perspectives from bullish to bearish.

The table below provides a concise overview of recent ratings by analysts, offering insights into the changing sentiments over the past 30 days and drawing comparisons with the preceding months for a holistic perspective.

	Bullish	Somewhat Bullish	Indifferent	Somewhat Bearish	Bearish
Total Ratings	1	6	1	0	0
Last 30D	0	1	0	0	0
1M Ago	1	3	1	0	0
2M Ago	0	2	0	0	0
3M Ago	0	0	0	0	0

Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $112.5, a high estimate of $125.00, and a low estimate of $94.00. Marking an increase of 0.22%, the current average surpasses the previous average price target of $112.25.

Breaking Down Analyst Ratings: A Detailed Examination

In examining recent analyst actions, we gain insights into how financial experts perceive HealthEquity. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

| Analyst | Analyst Firm | Action Taken | Rating |Current Price Target| Prior Price Target | |--------------------|--------------------|---------------|---------------|--------------------|--------------------| |Alexander Paris |Barrington Research |Maintains |Outperform | $112.00|$112.00 | |David Roman |Goldman Sachs |Lowers |Neutral | $94.00|$107.00 | |C. Gregory Peters |Raymond James |Lowers |Strong Buy | $115.00|$120.00 | |Scott Schoenhaus |Keybanc |Lowers |Overweight | $110.00|$120.00 | |Alexander Paris |Barrington Research |Maintains |Outperform | $112.00|$112.00 | |Alexander Paris |Barrington Research |Maintains |Outperform | $112.00|$112.00 | |Stan Berenshteyn |Wells Fargo |Raises |Overweight | $125.00|$110.00 | |C. Gregory Peters |Raymond James |Raises |Outperform | $120.00|$105.00 |

Key Insights:

• Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to HealthEquity. This information provides a snapshot of how analysts perceive the current state of the company.
• Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of HealthEquity compared to the broader market.
• Price Targets: Gaining insights, analysts provide estimates for the future value of HealthEquity's stock. This comparison reveals trends in analysts' expectations over time.

For valuable insights into HealthEquity's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.

Stay up to date on HealthEquity analyst ratings.

Unveiling the Story Behind HealthEquity

HealthEquity Inc provides solutions that allow consumers to make healthcare saving and spending decisions. It provides payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice to grow their tax-advantaged healthcare savings. It manages consumers' tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and administers Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It also provides investment advisory services to customers whose account balances exceed a certain threshold. HealthEquity generates its revenue in the United States.

HealthEquity: Financial Performance Dissected

Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.

Revenue Growth: HealthEquity's remarkable performance in 3M is evident. As of 31 January, 2025, the company achieved an impressive revenue growth rate of 18.84%. This signifies a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Health Care sector.

Net Margin: HealthEquity's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 8.46% net margin, the company effectively manages costs and achieves strong profitability.

Return on Equity (ROE): HealthEquity's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 1.24%, the company showcases efficient use of equity capital and strong financial health.

Return on Assets (ROA): HealthEquity's ROA stands out, surpassing industry averages. With an impressive ROA of 0.76%, the company demonstrates effective utilization of assets and strong financial performance.

Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.52.

The Basics of Analyst Ratings

Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter.

Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.

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This article was generated by Benzinga's automated content engine and reviewed by an editor.