{"schema_version":"secwatch.filing_event.v1","accession":"0001428336-23-000012","form_type":"8-K","ticker":"HQY","cik":"0001428336","company_name":"HEALTHEQUITY, INC.","filed_at":"2023-03-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.902195+00:00","generated_at":"2026-06-17T22:09:34.964168+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"HealthEquity FY2023 revenue $861.7M (+14% YoY); guides FY2024 rev $960-975M, EBITDA $320-335M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001428336-23-000012","json":"https://secwatch.observer/filing/0001428336-23-000012.json","markdown":"https://secwatch.observer/filing/0001428336-23-000012.md","text":"https://secwatch.observer/filing/0001428336-23-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1428336/000142833623000012/0001428336-23-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1428336/000142833623000012/hqy-20230321.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T22:09:34.964168+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"389aeb702e190e9266e285000ff49517304217ea","claim":"HEALTHEQUITY, INC. reported the fiscal year ended January 31, 2023 results: revenue $861.7 million, net income Net loss of $26.1 million, EPS $0.31 per diluted share.","evidence_excerpt":"Revenue for the fiscal year ended January 31, 2023 was $861.7 million, an increase of 14% compared to $756.6 million for the fiscal year ended January 31, 2022. Revenue this year included: service revenue of $430.2 million, custodial revenue of $283.1 million, and interchange revenue of $148.4 million. HealthEquity reported a net loss of $26.1 million, or $0.31 per diluted share, and non-GAAP net income of $114.5 million, or $1.36 per diluted share, for the fiscal year ended January 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1428336/000142833623000012/0001428336-23-000012-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended January 31, 2023"},{"label":"Revenue","value":"$861.7 million"},{"label":"Net income","value":"Net loss of $26.1 million"},{"label":"EPS","value":"$0.31 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"437ab05e338a0782531ff3bbb0247bbf7d5f1400","claim":"HEALTHEQUITY, INC. reported the fourth quarter ended January 31, 2023 results: revenue $233.8 million, net income Net loss of $0.2 million, EPS less than one cent per diluted share.","evidence_excerpt":"Revenue for the fourth quarter ended January 31, 2023 was $233.8 million, an increase of 15% compared to $203.3 million for the fourth quarter ended January 31, 2022. Revenue this quarter included: service revenue of $114.2 million, custodial revenue of $83.5 million, and interchange revenue of $36.1 million. HealthEquity reported a net loss of $0.2 million, or less than one cent per diluted share, and non-GAAP net income of $31.3 million, or $0.37 per diluted share, for the fourth quarter ended January 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1428336/000142833623000012/0001428336-23-000012-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended January 31, 2023"},{"label":"Revenue","value":"$233.8 million"},{"label":"Net income","value":"Net loss of $0.2 million"},{"label":"EPS","value":"less than one cent per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"66a8515f673a5ef07e7da86d79266f24dcd86a1c","claim":"HEALTHEQUITY, INC. reported the fiscal year ending January 31, 2024 results: revenue $960 million to $975 million, net income between $0 and $11 million, EPS $0.00 to $0.13 per diluted share. Guidance initiated.","evidence_excerpt":"For the fiscal year ending January 31, 2024, management expects revenues of $960 million to $975 million. Its outlook for net income is between $0 and $11 million, resulting in net income of $0.00 to $0.13 per diluted share. Its outlook for non-GAAP net income, calculated using the method described below, is between $152 million and $163 million, resulting in non-GAAP net income per diluted share of $1.74 to $1.87 (based on an estimated 87 million weighted-average shares outstanding).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1428336/000142833623000012/0001428336-23-000012-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ending January 31, 2024"},{"label":"Revenue","value":"$960 million to $975 million"},{"label":"Net income","value":"between $0 and $11 million"},{"label":"EPS","value":"$0.00 to $0.13 per diluted share"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}