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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of HealthEquity, Inc. (HQY)

Previous Close$60.09
Intrinsic Value$15.00
Upside potential  -75%
Previous Close
$60.09
Intrinsic Value
$15.00*
Potential        
-75%
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh14.51 15

The original valuation is based on fiscal year data as of 2022-01-31 and quarterly data as of 2022-01-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

HealthEquity, Inc. providing technology-enabled services platforms to consumers and employers in the United States. The company offers cloud-based platforms for individuals to make health saving and spending decisions, pay healthcare bills, compare treatment options and prices, receive personalized benefit and clinical information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides mutual fund investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers flexible spending accounts; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves through employers; benefits brokers and advisors; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was founded in 2002 and is headquartered in Draper, Utah.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2022(a)2023202420252026202720282029203020312032203320342035203620372038203920402041204220432044204520462047

INCOME STATEMENT

Revenue growth rate, %3.1NaN
Revenue, $757NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m781NaN
Operating income, $m-24NaN
EBITDA, $m113NaN
Interest expense (income), $mNaN
Earnings before tax, $m-67NaN
Tax expense, $m-22NaN
Net income, $m-44NaN

BALANCE SHEET

Cash and short-term investments, $m225NaN
Total assets, $m3107NaN
Adjusted assets (=assets-cash), $m2882NaN
Average production assets, $m2460NaN
Working capital, $m198NaN
Total debt, $m1008NaN
Total liabilities, $m1254NaN
Total equity, $m1853NaN
Debt-to-equity ratio0.544NaN
Adjusted equity ratio0.572NaN

CASH FLOW

Net income, $m-44NaN
Depreciation, amort., depletion, $m137NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m150NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-72NaN
Free cash flow, $m222NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m198
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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