{"schema_version":"secwatch.filing_event.v1","accession":"0001428336-25-000008","form_type":"8-K","ticker":"HQY","cik":"0001428336","company_name":"HEALTHEQUITY, INC.","filed_at":"2025-03-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.607092+00:00","generated_at":"2026-05-24T13:29:51.001555+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"HealthEquity FY25 revenue $1.2B (+20% YoY); net income up 74%; guides FY26 above consensus","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001428336-25-000008","json":"https://secwatch.observer/filing/0001428336-25-000008.json","markdown":"https://secwatch.observer/filing/0001428336-25-000008.md","text":"https://secwatch.observer/filing/0001428336-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1428336/000142833625000008/0001428336-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1428336/000142833625000008/hqy-20250318.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T13:29:51.001555+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}