HQY
HEALTHEQUITY, INC.
Overview
HealthEquity provides technology-enabled administration of health savings accounts (HSAs) and other consumer-directed benefits like flexible spending accounts and health reimbursement arrangements for employers and their employees.
HEALTHEQUITY, INC is a Healthcare company operating in Health Information Services with a $7.07B market cap.
Most recent earnings call: Q1 FY26 on Jun 3, 2025.
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2025-06-0329 Q&A exchanges
- Q4 FY2025Earnings2025-03-1825 Q&A exchanges
- Q3 FY2025Earnings2024-12-1019 Q&A exchanges
- Q2 FY2025Earnings2024-09-0333 Q&A exchanges
- Q1 FY2025Earnings2024-06-0341 Q&A exchanges
- Q4 FY2024Earnings2024-03-1921 Q&A exchanges
- Q3 FY2024Earnings2023-12-0526 Q&A exchanges
- Q2 FY2024Earnings2023-09-0529 Q&A exchanges
- Q1 FY2024Earnings2023-06-0541 Q&A exchanges
- Q4 FY2023Earnings2023-03-2118 Q&A exchanges
- Q3 FY2023Earnings2022-12-0747 Q&A exchanges
- Q2 FY2023Earnings2022-09-0737 Q&A exchanges
- Q1 FY2023Earnings2022-06-0649 Q&A exchanges
- Q4 FY2022Earnings2022-03-2344 Q&A exchanges
- Q3 FY2022Earnings2021-12-0639 Q&A exchanges
- Q2 FY2022Earnings2021-09-0828 Q&A exchanges
- Q1 FY2022Earnings2021-06-0743 Q&A exchanges
- Q4 FY2021Earnings2021-03-1518 Q&A exchanges
- Q3 FY2021Earnings2020-12-0747 Q&A exchanges
- Q2 FY2021Earnings2020-09-0949 Q&A exchanges
- Q1 FY2021Earnings2020-06-0223 Q&A exchanges
History
Earnings history
Reported quarters with consensus, surprise, and 1-day reaction context.
Track Record
SampleSpoken Alpha tracks HQY's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $0.77 | $0.95 | -19.1% | -2.4% | -0.5% |
| Q4 FY2026 | $0.70 | $0.83 | -15.7% | +3.2% | +4.4% |
| Q3 FY2026 | $0.72 | $0.94 | -23.7% | +1.2% | +0.9% |
| Q2 FY2026 | $0.59 | $0.75 | -21.4% | -0.5% | +0.3% |
| Q1 FY2025 | $0.77 | $1.01 | -23.6% | -2.0% | -4.5% |
| Q4 FY2025 | $0.62 | $0.79 | -21.2% | +7.4% | +6.4% |
| Q3 FY2025 | $0.90 | $1.09 | -17.8% | +5.3% | +4.3% |
| Q2 FY2025 | $0.88 | $1.05 | -16.5% | +1.5% | +3.8% |
| Q1 FY2024 | $0.83 | $1.06 | -22.1% | -0.8% | -3.2% |
| Q4 FY2024 | $0.93 | $1.14 | -18.6% | +0.4% | -1.6% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Lowered2026-13-15
- Q3 FY2026Lowered2026-10-15
- Q2 FY2026Lowered2026-07-15
- Q1 FY2025Lowered2025-04-15
- Q4 FY2025Lowered2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Lowered2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Scott CutlerCEO5 mo3 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- James M LucaniaCFO8 mo7 callsCurrentSample
CFO since 2025 • 3/4 beats (75%) • last guidance cut Q3 FY2026
- Michael GathrightChief Customer Officer3 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance cut Q2 FY2026
- Elimelech RosnerEVP, CHIEF TECHNOLOGY OFFICER8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Michael Henry FioreEVP, CHIEF COMMERCIAL OFFICER8 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • guidance suspended Q3 FY2026
- Delano LaddEVP, General Counsel9 mono recorded callsCurrentSample
DIVISION_HEAD since 2025 • 3/4 beats (75%) • guidance suspended Q1 FY2026
Peers
Other companies in Healthcare
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for HQY.
$ curl https://api.spokenalpha.com/v1/companies/HQYFAQ
Frequently asked about HQY
Where can I find HEALTHEQUITY, INC.'s (HQY) earnings call transcripts?
Spoken Alpha indexes HQY's earnings call transcripts at https://spokenalpha.com/companies/HQY. Each call links to attributed speakers and parsed analyst Q&A.
When was HEALTHEQUITY, INC.'s most recent earnings call?
HEALTHEQUITY, INC. (HQY) held its most recent earnings call on 2025-06-03, covering fiscal Q1 2026.
What sector is HQY in?
HEALTHEQUITY, INC. (HQY) operates in the Healthcare sector (Health Information Services industry).