What Is HealthEquity, Inc. (HQY) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, HealthEquity, Inc.'s intrinsic value is estimated at $51.19. Trading at its current price of $95.66, the valuation engine raises significant caution: 11 of 12 models flag downside risk, projecting an average implied return of -46.5%. Model dispersion is worth noting: First Chicago targets $94.03 (-1.7%), versus EPV at $1.70 (-98.2%). This +96.5% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About HQY?
12 of 13 models are currently active for HQY. All 12 active models suggest the stock trades above fair value. The Bayesian DCF estimates HQY's intrinsic value at $53.22, implying -44.4% downside from the current price. See which stocks rank higher →
How Does HQY Rank in Services-Business Services, NEC?
Among 94 Services-Business Services, NEC stocks, HQY ranks #8 by Quality of Company score. CirclFi's QOC score of 9.5/10 evaluates 32 fundamental signals. A score of 9.5 places HQY in the top tier.
See all Most Undervalued Services-Business Services, NEC Stocks →
HealthEquity, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is HQY a Value Trap?
CirclFi's Value Trap algorithm assigns HQY a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for HealthEquity, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, HealthEquity, Inc. earns a quality score of 9.5/10. This exceptional rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +96.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HQY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HQY's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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