{"filings":[{"id":1303998,"accession_number":"0001428336-26-000034","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-06-26T20:07:55+00:00","items":["5.07","9.01"],"status":"ready","headline":"HealthEquity shareholders approve all five proposals at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All ten director nominees elected with >74M votes each; no director received less than 95% support.","Ratification of PwC as auditor for FY ending Jan 31, 2027: 79.2M for, 0.45M against.","Advisory say-on-pay approved: 74.0M for, 1.85M against, 3.8M broker non-votes.","2026 Employee Stock Purchase Plan approved: 75.7M for, 0.19M against.","Amended 2024 Equity Incentive Plan approved: 73.5M for, 2.37M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":721636,"accession_number":"0001428336-26-000027","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-05-28T20:03:03+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q1 net income up 29%, raises FY2027 guidance, adds $1B buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $354.6M (+7% YoY); net income $69.4M ($0.82 dil. EPS, +34% YoY); non-GAAP EPS $1.24.","Adjusted EBITDA $164.5M (46% margin, +17% YoY); total HSA assets $37.1B (+19% YoY).","Raised FY2027 revenue guidance to $1.410-1.420B; Adjusted EBITDA to $625-633M.","Board authorized additional $1.0B in share repurchases; repurchased $123M shares in Q1.","HSA accounts 10.6M (+8% YoY); 909K with investments (+18% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.82,"consensus_revenue_estimate":null,"consensus_revenue_actual":354641000.0,"consensus_period":"2027-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92810,"accession_number":"0001428336-26-000016","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-05-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity amends severance and equity vesting for six top officers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Scott Cutler gets enhanced severance: 12 months base plus target bonus; 18 months base + 150% bonus if termination within 18 mo post-change-in-control.","Five other executives (Lucania, Neeleman, Fiore, Rajasekar, Ladd) receive 12 months base plus target bonus only if termination within 18 mo post-change-in-control.","RSUs granted after March 25, 2026: upon termination without cause or good reason before change-in-control, RSUs scheduled to vest in 12-month period accelerate.","PSUs granted after March 25, 2026: prorated based on days employed during performance period; remain eligible to vest based on actual performance.","Amendments signed May 5, 2026; equity vesting approved March 25, 2026 by Talent, Culture and Compensation Committee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92809,"accession_number":"0001428336-26-000014","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-04-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity terminates CTO Eli Rosner without cause; Rajasekar to oversee tech","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eli Rosner's employment as CTO terminated without cause effective April 17, 2026.","Sunil Rajasekar, EVP Chief Product & Strategy Officer, will oversee technology organization from that date.","Rosner will receive severance per his employment agreement and equity treatment under company plans.","Rajasekar joined HealthEquity in Jan 2026; prior CEO of Billtrust and President of MINDBODY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103953,"accession_number":"0001428336-26-000012","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-03-30T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"HealthEquity adds Sanford Health CEO Bill Gassen to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William Gassen appointed to HealthEquity board, effective March 26, 2026.","Board expands to 10 members; Gassen to serve on Audit and Risk and Talent/Compensation committees.","Gassen is CEO of Sanford Health; HealthEquity had $123,923 revenue from Sanford in FY2026, expects >$120k in FY2027.","Gassen also serves on board of Oscar Health (OSCR)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103952,"accession_number":"0001428336-26-000009","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-03-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity reports record revenue; raises FY2027 guidance after strong Q4","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2026 revenue $1.31B (+9% YoY); net income $215.2M (+123% YoY); EPS $2.46.","Q4 revenue $334.6M (+7% YoY); adjusted EBITDA $132.9M (+23%); margin 40%.","Total HSA assets $36.5B (+14%); added 1M new HSAs from sales for second straight year.","Raised FY2027 guidance: revenue $1.405-$1.415B; adjusted EBITDA $618-$628M.","Returned $301.7M to shareholders via stock repurchases in FY2026."],"consensus_eps_estimate":null,"consensus_eps_actual":2.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":1313429000.0,"consensus_period":"2026-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103951,"accession_number":"0001428336-26-000005","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-02-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity reports record Q4 HSA sales; total HSAs up 7% to 10.6M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total HSAs: 10.6M as of Jan 31, 2026, +7% YoY; new HSAs from sales in Q4: 553K, +17% YoY.","HSA Assets grew 14% YoY to $36.5B; HSA investments up 26% to $18.5B.","Total Accounts (including CDBs): 17.8M, +4% YoY. Average daily HSA cash $17.1B.","Reaffirmed guidance for FY2026 and FY2027; expects FY2026 results near top end of ranges.","Earnings call set for March 17, 2026; management to present at Raymond James and Mizuho conferences."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103950,"accession_number":"0001428336-26-000003","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2026-01-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity initiates FY2027 guidance: revenue $1.38-1.41B, Adj. EBITDA margin 43.8-44.3%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["FY2027 revenue guidance $1.38B-$1.41B; Adjusted EBITDA margin 43.8%-44.3%; HSA cash yield ~3.75%.","Reaffirmed previously provided FY2026 guidance (no specific numbers restated).","Largest HSA custodian with >17M accounts and 200+ integrated network partners.","CEO Scott Cutler cites modernization momentum; presentation at JPM Conference on Jan 13."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":120225,"accession_number":"0001428336-25-000035","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-12-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q3 revenue $322M (+7%); net income $0.59 EPS; FY2026 guidance reaffirmed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $322.2M, up 7% YoY; custodial $159.1M, service $120.3M, interchange $42.8M.","GAAP net income $51.7M ($0.59 diluted EPS) vs $5.7M ($0.06) a year ago.","Non-GAAP EPS $1.01 (up 29% YoY); Adjusted EBITDA $141.8M (+20%), margin 44% of revenue.","Total HSA Assets $34.4B (+15%); HSAs 10.1M (+6%); client-held funds $0.8B.","FY2026 outlook: revenue $1.302-1.312B, non-GAAP EPS $3.87-3.95, Adj. EBITDA $555-565M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":978843000.0,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136803,"accession_number":"0001428336-25-000028","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-09-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q2 revenue +9% to $325.8M; net income up 67% to $0.68 EPS; record adjusted EBITDA margin 46%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $325.8M (+9% YoY); net income $59.9M ($0.68 diluted EPS) vs $35.8M ($0.40) in Q2 FY25.","Non-GAAP net income $94.6M ($1.08 diluted EPS), up 24% from $76.3M ($0.86).","Adjusted EBITDA $151.1M (+18% YoY), margin 46% vs 43% last year.","Total HSA accounts 10.0M (+6% YoY, including 782K investment HSAs +10%); total HSA assets $33.1B (+12%).","FY26 outlook: revenue $1.290B-$1.310B, adjusted EBITDA $540M-$560M, non-GAAP EPS $3.74-$3.91."],"consensus_eps_estimate":null,"consensus_eps_actual":1.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":656679000.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154029,"accession_number":"0001428336-25-000024","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-06-27T23:59:59+00:00","items":["5.07","7.01","9.01"],"status":"ready","headline":"HealthEquity board authorizes new $300M stock repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized new $300M stock repurchase program on June 26, 2025.","Program supplements existing $300M program from August 2024; allows opportunistic repurchases.","Repurchases may be made via open market, private transactions, or Rule 10b5-1 plans.","Company not obligated to repurchase any specific amount; program can be suspended anytime."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154028,"accession_number":"0001428336-25-000021","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-06-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q1 revenue $330.8M (+15% YoY), net income up 87%, raises FY2026 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $330.8M (+15% YoY); net income $53.9M ($0.61 diluted EPS), +87% vs $28.8M.","Non-GAAP net income $85.8M ($0.97 diluted EPS), +22%; Adjusted EBITDA $140.2M (42% margin), +19%.","HSAs 9.9M (+9% YoY); total HSA Assets $31.3B (+15%); total accounts 17.1M (+7%).","Repurchased 0.7M shares for $60.3M; $117.5M remaining under buyback program.","FY2026 outlook raised: revenue $1.285-1.305B, Adj. EBITDA $530-550M, non-GAAP EPS $3.61-3.78."],"consensus_eps_estimate":0.909,"consensus_eps_actual":0.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":330844000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":154027,"accession_number":"0001428336-25-000011","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-04-28T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity announces departure of two directors; Black resigns, Kessler retires","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Paul Black resigned from the Board on April 22, 2025; no disagreement with the Company.","Board size reduced to ten members effective April 22, 2025.","Jon Kessler's previously announced retirement effective April 30, 2025, further reduces Board to nine.","Both departures are orderly and unrelated to any operational or policy matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172660,"accession_number":"0001428336-25-000008","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-03-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity FY25 revenue $1.2B (+20% YoY); net income up 74%; guides FY26 above consensus","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY25 revenue $1.20B (+20% YoY); net income $96.7M ($1.09 dilution) vs $55.7M; adjusted EBITDA $471.8M (+28%).","Q4 revenue $311.8M (+19%); net income $26.4M (flat); adj. EBITDA $107.8M (+9%).","HSAs grew 14% to 9.9M; total HSA assets $32.1B (+27%); acquired BenefitWallet portfolio for $425M.","FY26 guidance: revenue $1.28-$1.305B, non-GAAP EPS $3.57-$3.74, adj. EBITDA $525M-$545M.","Repurchased 1.4M shares for $122.2M; $177.8M remaining under buyback."],"consensus_eps_estimate":0.9376,"consensus_eps_actual":1.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":1199774000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172659,"accession_number":"0001428336-25-000004","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-02-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity reports 14% HSA growth to 9.9M, $32.1B in assets, affirms FY25/FY26 outlook","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total HSAs reached 9.9M as of Jan 31, 2025, up 14% YoY from 8.7M.","HSA Assets grew 27% YoY to $32.1B ($17.4B cash, $14.7B investments).","New HSAs from sales YTD: 1,040,000 (+10% YoY); total accounts 17.0M (+9%).","Affirms FY2025 and FY2026 outlook previously issued Dec 9, 2024; Q4 FY2025 earnings call set for Mar 18, 2025.","Provides HSA cash repricing schedule: $2.3B expected to reprice in FY2026 at 2.5% avg yield."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172658,"accession_number":"0001428336-25-000002","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2025-01-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity reports record HSA sales: 9.8M HSAs, $31B assets, nearly 1M new HSAs","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Estimated HSAs 9.8M as of Jan 31, 2025, up from 8.7M a year ago (12.6% growth).","HSA Assets ~$31B vs $25.2B in FY2024, with ~$17B in HSA Cash; invested balances subject to market fluctuation.","Total Accounts ~17M, up from 15.7M (8.3% growth).","Record New HSAs from Sales of nearly 1M, driven by over 200 Network Partners (health/retirement plan partners, brokers, advisors).","CEO Scott Cutler cites strong new logo growth; positioned for continued growth in FY26."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189671,"accession_number":"0001428336-24-000109","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-12-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q3 revenue $300.4M (+21% YoY); non-GAAP EPS $0.78 vs $0.60; raises FY2025 outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $300.4M (+21% YoY); net income $5.7M ($0.06 diluted EPS) vs $14.7M ($0.17) prior.","Non-GAAP net income $69.4M (+33%), non-GAAP EPS $0.78 (vs $0.60); Adjusted EBITDA $118.2M (+24%).","HSAs reached 9.5M (+15% YoY), HSA Assets $30B (+33%), Total Accounts 16.5M (+8%).","Repurchased 0.7M shares for $60M; $240M remaining under buyback authorization.","FY2025 guidance raised: Revenue $1.185-1.195B, Adj EBITDA $470-480M; FY2026 initial outlook revenue ~$1.275-1.295B."],"consensus_eps_estimate":0.9295,"consensus_eps_actual":0.79,"consensus_revenue_estimate":null,"consensus_revenue_actual":887957000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189670,"accession_number":"0001428336-24-000106","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-11-29T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"HealthEquity settles lease lawsuit with Union Mesa for $32.8M","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Union Mesa retained $2.8M letter of credit; HealthEquity/WageWorks to pay additional $30M.","Lawsuit dismissed with prejudice; all claims and future lease liability released.","Settlement recorded as merger integration expense in fiscal Q3 ended Oct 31, 2024; payment in Q4 ending Jan 31, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189669,"accession_number":"0001428336-24-000104","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"HealthEquity CEO Jon Kessler to retire Jan 6, 2025; Scott Cutler appointed as successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Jon Kessler to retire effective Jan 6, 2025, serve as Special Advisor through Apr 30, 2025.","Scott Cutler appointed President & CEO and director effective Jan 6, 2025.","Cutler was CEO of StockX, SVP Americas at eBay, President of StubHub, EVP of NYSE Euronext.","Cutler receives base salary $775k, sign-on bonus $650k, and RSU award with fair value $7.5M vesting over 3 years.","Kessler transition includes extended non-compete to three years after termination and PRSU treatment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206159,"accession_number":"0001428336-24-000101","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-09-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q2 revenue up 23% to $299.9M; EPS $0.40; raises guidance, $300M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $299.9M, +23% YoY; net income $35.8M ($0.40 diluted EPS) vs $10.6M ($0.12) last year.","Non-GAAP net income $76.3M ($0.86 diluted) vs $45.6M ($0.53); Adj. EBITDA $128.3M (43% margin) vs $88.1M (36%).","HSA accounts 9.4M (+15% YoY); total HSA Assets $29.5B (+27%).","New $300M stock repurchase program authorized by Board.","Guidance raised: FY2025 revenue $1.165B-$1.185B; Adj. EBITDA $458M-$478M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":587525000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206158,"accession_number":"0001428336-24-000098","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-08-27T23:59:59+00:00","items":["1.01","2.03","1.02","9.01"],"status":"ready","headline":"HealthEquity enters $1B credit facility, repays prior $512M debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $1,000,000,000 senior secured revolving credit facility entered Aug 23, 2024; $511.9M drawn to refinance prior debt.","Prior 2021 credit agreement with $511.9M outstanding fully repaid and commitments terminated.","Five-year maturity; includes $25M letter of credit sublimit and ability to incur up to $450M additional loans subject to leverage test.","Interest at SOFR +1.25%-2.50% or base rate +0.25%-1.50%; commitment fee 0.25%-0.50%, based on leverage grid.","Financial covenants: maximum total net leverage ratio 5.00:1 and minimum interest coverage ratio 3.00:1, effective Jan 31, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":206157,"accession_number":"0001428336-24-000055","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-07-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"HealthEquity discloses data breach via compromised business partner account; PII/PHI accessed","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["A third party compromised a business partner's account, accessing personally identifiable and protected health information of some members.","Investigation concluded some information was transferred off the partner's systems; no malicious code found on HealthEquity systems.","No interruption to systems, services, or business operations; company is notifying partners, clients, and affected members.","Company expects to offer complimentary credit monitoring and identity restoration; holds adequate cybersecurity insurance.","Company currently believes the incident will not have a material adverse effect on its business, operations, or financial results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223212,"accession_number":"0001428336-24-000048","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-06-27T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"HealthEquity stockholders approve 2024 Equity Incentive Plan with 4.085M new shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders approved the 2024 Equity Incentive Plan; 4,085,000 shares authorized for future awards.","All ten director nominees elected; board composition unchanged.","Ratification of PricewaterhouseCoopers as independent auditor for FY2025 approved.","Non-binding advisory vote on fiscal 2024 executive compensation passed.","No further awards under the 2014 Plan; replaced by the 2024 Plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223211,"accession_number":"0001428336-24-000035","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-06-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q1 revenue $287.6M (+18% YoY), net income $28.8M; raises FY25 outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $287.6M, up 18% YoY; net income $28.8M ($0.33 diluted EPS) vs $4.1M ($0.05) in Q1 FY24.","Non-GAAP net income $70.3M ($0.80 per diluted share), up 64% YoY; Adjusted EBITDA $117.4M (41% of revenue), up 36% YoY.","HSAs grew 13% to 9.1M; total HSA assets $27.3B (+22% YoY); total accounts 16.0M (+7%).","Completed BenefitWallet HSA portfolio acquisition on May 9, 2024 for $425M, funded with revolver and cash.","FY2025 guidance raised: revenue $1.16B-$1.18B; Adjusted EBITDA $454M-$474M; non-GAAP EPS $2.93-$3.10."],"consensus_eps_estimate":null,"consensus_eps_actual":0.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":287597000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223210,"accession_number":"0001428336-24-000032","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-05-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity issues 2024 Corporate Social Responsibility Report","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Issued 2024 Corporate Social Responsibility Report on May 28, 2024.","Report is available at the link provided in the filing.","No financial results or material business updates in this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223209,"accession_number":"0001428336-24-000022","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["2.01","7.01","9.01"],"status":"ready","headline":"HealthEquity completes $425M BenefitWallet acquisition; adds 616K HSAs, $2.7B in assets","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired ~616,000 HSAs and $2.7B in HSA assets from Conduent for $425M; funded with $225M revolver and cash.","HealthEquity now serves >9M HSA members and >16M total accounts.","Approx. 34% of acquired assets are HSA investments; >85% of HSA cash in Enhanced Rates.","Company targets doubling fiscal 2024 non-GAAP EPS by fiscal 2027, with deal as a downpayment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223208,"accession_number":"0001428336-24-000020","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Frank Corvino not to stand for re-election; board size reduced to 10","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Frank Corvino notified the Board on April 25, 2024 he will not stand for re-election at the 2024 Annual Meeting.","Board reduced to 10 members effective immediately after the Annual Meeting on June 27, 2024.","Corvino will continue serving as director until the Annual Meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":223207,"accession_number":"0001428336-24-000018","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-04-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity completes 2nd tranche of Conduent HSA acquisition, adds 134k accounts, $555M assets","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Second of three HSA asset transfers closed on April 11, 2024: 134,000 accounts and $555M in assets moved to HealthEquity.","Purchase price of $84.9M funded with $50M revolver draw and cash on hand.","Total HSA portfolio transfer from Conduent remains on track per the September 2023 agreement.","HealthEquity now custodies additional $555M in HSA assets, expanding its custodial base materially."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242703,"accession_number":"0001428336-24-000009","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-03-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity FY2024 revenue $999.6M (+16%), net income $55.7M vs loss; Q4 beat; guides FY2025 rev ~$1.15B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY 2024 revenue $999.6M (+16% YoY); net income $55.7M vs loss $26.1M; GAAP EPS $0.64 vs -$0.31.","Q4 revenue $262.4M (+12%); net income $26.4M vs loss; adj EBITDA $98.8M (+34%, margin 38%).","HSA accounts 8.7M (+9%), assets $25.2B (+14%); total accounts 15.7M.","Acquired first BenefitWallet tranche: 266k HSAs, $1.1B assets for $163.9M cash; $425M total deal.","FY 2025 guidance: rev $1.14-1.16B; adj EBITDA $438-458M; non-GAAP EPS $2.79-2.96."],"consensus_eps_estimate":null,"consensus_eps_actual":0.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":999587000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242702,"accession_number":"0001428336-24-000007","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-03-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity completes first tranche of Conduent HSA portfolio acquisition","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["First tranche closed March 7: ~266,000 HSAs and $1.1B of assets transferred to HealthEquity.","Purchase price of $163.9M paid in cash; previously announced on Sept 18, 2023.","Remaining two tranches of Conduent's HSA portfolio to transfer in future."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242701,"accession_number":"0001428336-24-000005","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-02-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity reports 9% HSA growth to 8.7M accounts, raises FY24 guidance, affirms FY25 outlook","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["HSAs 8.69M (+9% YoY); HSA Assets $25.2B (+14%); Total Accounts 15.7M (+5%).","Q4 new HSAs from sales 497K (+12% YoY); record organic growth.","FY24 guidance raised: Revenue $995M-$1B, Non-GAAP EPS $2.20-$2.24.","FY25 guidance reaffirmed: Revenue $1.14B-$1.16B, Adj. EBITDA margin 38%-39%.","CFO targets doubling non-GAAP EPS over three years as HSA cash yields rise."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242700,"accession_number":"0001428336-24-000002","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2024-01-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity guides FY2024 year-end: ~8.7M HSAs, $24.5B HSA assets","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Estimated HSAs ~8.7M as of Jan 31, 2024, up from 8.0M a year earlier (8.75% growth).","Estimated HSA assets ~$24.5B, up from $22.1B; total accounts ~15.6M vs 14.9M.","Beat Enhanced Rates goal: >30% of HSA cash in Enhanced Rates, 40% capacity increase.","Pending BenefitWallet HSA acquisition expected to close in fiscal 2025.","Investor day set for Feb 22, 2024; J.P. Morgan conference presentation Jan 9."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":260081,"accession_number":"0001428336-23-000036","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-12-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q3 revenue $249M (+15% YoY); net income $14.7M; acquires BenefitWallet HSA portfolio for ~$425M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $249.2M (+15% YoY); net income $14.7M vs net loss $1.6M prior year.","Non-GAAP net income $52.2M (+61%); adjusted EBITDA $95.6M (+30%), margin 38%.","HSAs 8.3M (+8%), total accounts 15.3M (+5%), HSA assets $22.6B (+12%).","Agreed to acquire BenefitWallet HSA portfolio for ~$425M plus $20M expenses; ~$2.8B assets in 665k accounts; close H1 FY2025.","FY2024 guidance: revenue $985-995M, adj. EBITDA $350-360M; FY2025 revenue ~$1.14-1.16B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":737200000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277370,"accession_number":"0001104659-23-101786","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-09-19T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"HealthEquity to acquire BenefitWallet HSA portfolio from Conduent for $425M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Purchase price $425M for ~665,000 HSA accounts with ~$2.7B in assets.","Expected to close in multiple tranches during first half of 2024, subject to regulatory approval.","HealthEquity to pay ~50% cash, remainder from existing credit line; expects immediate accretion.","Conduent CEO cites progress on portfolio rationalization; transaction includes non-compete for five years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277369,"accession_number":"0001428336-23-000031","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-09-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q2 revenue $243.5M (+18% YoY), net income $10.6M vs loss, EPS $0.53 non-GAAP","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $243.5M, up 18% YoY from $206.1M; net income $10.6M vs net loss $10.7M in prior year.","Non-GAAP EPS $0.53, up from $0.33; Adjusted EBITDA $88.1M (+31%), margin 36% vs 33%.","HSAs 8.2M (+9% YoY); total HSA assets $23.2B (+13%); HSA cash + investments $23.2B.","FY2024 guidance: revenue $980-990M, non-GAAP EPS $1.97-2.06, Adj. EBITDA $338-348M.","Record HSA asset growth and 360bps adjusted EBITDA margin expansion YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":0.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":487981000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277368,"accession_number":"0001104659-23-085407","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-07-28T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity terminates EVP and CSO Larry Trittschuh without cause effective July 28, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["HealthEquity terminated employment of Larry Trittschuh, EVP and Chief Security Officer, effective July 28, 2023, without cause.","Trittschuh will receive severance payments and benefits per his Employment Agreement dated November 9, 2019, as amended.","No replacement for Chief Security Officer has been announced by the company.","Severance terms were previously disclosed in the May 12, 2023 proxy statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":277367,"accession_number":"0001428336-23-000028","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-07-03T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity CFO Tyson Murdock to depart after Aug 2023 10-Q filing; receives $100k retention bonus","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CFO Tyson Murdock will cease as CFO following filing of Q2 FY2024 10-Q, expected in early September 2023.","Murdock receives a $100,000 retention bonus for staying through filing date and assisting with 10-Q.","After filing, Murdock may serve as Special Advisor to CEO until November 30, 2023, for transition.","Termination is without cause; Murdock eligible for previously negotiated severance benefits.","No successor CFO named; a new CFO will be appointed after transition period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295268,"accession_number":"0001428336-23-000026","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-06-22T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"HealthEquity stockholders elect 11 directors, ratify PwC, approve say-on-pay, select 1-year frequency","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected with >74.4M votes for each; broker non-votes of ~3.58M.","Ratification of PwC as auditor for FY2024 approved: 80.33M for, 411.5K against.","Advisory say-on-pay approved: 75.66M for, 1.49M against, 47K abstentions.","Advisory frequency vote selected 1 year: 75.40M for 1 year, 1.75M for 3 years, 4.9K for 2 years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295267,"accession_number":"0001428336-23-000024","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-06-14T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"HealthEquity names James Lucania as CFO; $575k salary, $4.5M RSU grant","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["James Lucania appointed EVP & CFO, starting Sept 2023 after Q2 10-Q filing.","Base salary $575,000; target annual bonus 75% of salary; initial RSU grant $4.5M.","Outgoing CFO Mr. Murdock receives severance, will serve as Special Advisor for transition.","Murdock's departure not related to any disagreement on financial or accounting policies.","Lucania eligible for annual equity awards of at least $3.5M starting FY2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295266,"accession_number":"0001428336-23-000020","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-06-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q1 revenue $244.4M (+19%), net income $4.1M vs loss, raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $244.4M (+19% YoY); GAAP EPS $0.05; non-GAAP EPS $0.50 vs $0.27.","Adjusted EBITDA $86.6M (+48%), margin 35% vs 28%.","HSA accounts 8.0M (+9%); total HSA assets $22.3B (+10%).","FY2024 guidance raised: revenue $975-985M, Adj. EBITDA $333-343M, non-GAAP EPS $1.88-$1.97.","Early repaid $50M variable-rate debt; cites strong profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":244432000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295265,"accession_number":"0001428336-23-000018","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-06-02T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"HealthEquity amends credit agreement to replace LIBOR with Term SOFR","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment replaces LIBOR with Term SOFR plus 0.10% credit spread adjustment; margin range unchanged at 1.25%–2.25%.","Applies to borrowings under the existing credit agreement (dated October 2021); no changes to amounts, maturity, or financial covenants.","Effective June 1, 2023; lenders include JPMorgan Chase, Truist, MUFG, TD Bank, and others."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":295264,"accession_number":"0001428336-23-000016","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-04-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Director Ian Sacks to not stand for re-election at HealthEquity 2023 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Ian Sacks notified HealthEquity Board on April 13, 2023 of decision not to stand for re-election at 2023 Annual Meeting.","Board will reduce size from 12 to 11 directors effective immediately after June 22, 2023 annual meeting.","Ian Sacks will continue to serve as director until the annual meeting on June 22, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315833,"accession_number":"0001428336-23-000012","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-03-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity FY2023 revenue $861.7M (+14% YoY); guides FY2024 rev $960-975M, EBITDA $320-335M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $233.8M (+15% YoY); net loss $0.2M vs $32.8M loss; non-GAAP EPS $0.37 vs $0.20.","FY2023 Adjusted EBITDA $272.3M (+15% YoY); margin 32% vs 31%.","HSAs grew 11% to 8.0M; total HSA assets $22.1B (+13%).","FY2024 guidance: revenue $960-975M, non-GAAP EPS $1.74-$1.87, Adjusted EBITDA $320-335M.","Record new HSA sales and highest ever accounts & assets; became largest HSA custodian."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":861748000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315832,"accession_number":"0001428336-23-000009","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-03-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity discloses minimal SVB exposure; expects full access to funds","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["No HSA custodial cash deposited with Silicon Valley Bank.","Cash and equivalents with SVB <3% of total; client-held funds <1%.","Expects full access to these funds on March 13 per Treasury/Fed/FDIC statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315831,"accession_number":"0001428336-23-000007","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity reports record HSA sales of 971k new HSAs in FY23; assets up 13% to $22.1B","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["8.0M total HSAs (+11% YoY); Total Accounts 14.9M (+4% YoY).","HSA assets $22.1B (+13%); HSA investments $7.9B (+19%).","FY23 revenue guidance raised to ~$860M (top-end of prior range).","No investor call today; management to present at BTIG, Baird, Raymond James conferences.","Initial FY24 guidance provided Dec 6, 2022; update expected Mar 21, 2023 Q4 release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315830,"accession_number":"0001428336-23-000005","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-02-10T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"HealthEquity amends bylaws to implement universal proxy card rules and other governance updates","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Board adopted amendments on February 10, 2023, covering proxy card rules and stockholder meeting procedures.","Adds procedural and disclosure requirements for director nominees consistent with SEC universal proxy card rules.","Requires stockholders soliciting proxies from other holders to use a proxy card color other than white.","Updates stockholder list and meeting adjournment notice requirements per Delaware law amendments.","Includes technical and conforming revisions and clarifications."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":315829,"accession_number":"0001428336-23-000002","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2023-01-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"HealthEquity estimates ~8M HSAs, $22B assets by Jan 31; record new account openings","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Estimated 8 million HSAs by Jan 31, 2023, up from 7.2 million a year earlier.","Estimated HSA assets approaching $22 billion, up from $19.6 billion in fiscal 2022.","Estimated total accounts approaching 15 million, compared to 14.4 million end of fiscal 2022.","Record ~950,000 new HSAs from sales in fiscal 2023; CEO cites rising interest rates for growth.","Company to present at 41st J.P. Morgan Healthcare Conference on January 11, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":334163,"accession_number":"0001428336-22-000031","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2022-12-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q3 revenue $216.1M (+20% YoY); narrows net loss; guides FY2024 ~$950-970M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $216.1M (+20% YoY); net loss $1.6M vs $5.0M loss; non-GAAP diluted EPS $0.38 vs $0.35.","Adjusted EBITDA $73.4M (+20%); margin 34%; HSAs 7.7M (+23%); total accounts 14.5M (+9%).","FY2023 outlook: revenue $850-860M; Adj EBITDA $261-271M; non-GAAP EPS $1.26-$1.35.","FY2024 initial guidance: revenue ~$950-970M; Adj EBITDA margin ~33-34%; assumes ~2.25% cash yield."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":627907000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":351578,"accession_number":"0001428336-22-000025","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2022-09-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"HealthEquity Q2 revenue up 9% to $206.1M, net loss widens to $10.7M; guides FY23 revenue $834-844M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $206.1M (+9% YoY); net loss $10.7M vs $3.8M; non-GAAP net income $28.1M, down 16% from $33.4M.","Adjusted EBITDA $67.0M (+2% YoY); margin 33% vs 35% last year.","HSAs grew 26% to 7.5M; total HSA assets $20.5B (+33%); record 196k new HSAs.","FY2023 guidance: revenue $834-844M; adjusted EBITDA $252-262M; non-GAAP EPS $1.23-1.32."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":411821000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":351577,"accession_number":"0001428336-22-000022","cik":1428336,"company_name":"HEALTHEQUITY, INC.","ticker":"HQY","form_type":"8-K","filed_at":"2022-09-01T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"HealthEquity appoints former Allscripts CEO Paul Black to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Paul Black appointed to board effective Sept. 1, 2022; board expands to 12 members.","Black was CEO of Allscripts Healthcare Solutions (2012-2022), held exec roles at Cerner and IBM.","He will serve on Audit and Risk Committee and Talent, Compensation and Culture Committee.","10 of 12 board members are now independent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":7510369979.274838,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-09-01T23:59:59+00:00|351577"}