{"schema_version":"secwatch.filing_event.v1","accession":"0001428336-25-000035","form_type":"8-K","ticker":"HQY","cik":"0001428336","company_name":"HEALTHEQUITY, INC.","filed_at":"2025-12-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.390070+00:00","generated_at":"2026-05-16T15:09:31.452662+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"HealthEquity Q3 revenue $322M (+7%); net income $0.59 EPS; FY2026 guidance reaffirmed","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001428336-25-000035","json":"https://secwatch.observer/filing/0001428336-25-000035.json","markdown":"https://secwatch.observer/filing/0001428336-25-000035.md","text":"https://secwatch.observer/filing/0001428336-25-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1428336/000142833625000035/0001428336-25-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1428336/000142833625000035/hqy-20251203.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T15:09:31.452662+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"}