{"schema_version":"secwatch.filing_event.v1","accession":"0001428336-26-000009","form_type":"8-K","ticker":"HQY","cik":"0001428336","company_name":"HEALTHEQUITY, INC.","filed_at":"2026-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.062138+00:00","generated_at":"2026-05-15T10:21:01.038862+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 reports record revenue; raises FY2027 guidance after strong Q4","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001428336-26-000009","json":"https://secwatch.observer/filing/0001428336-26-000009.json","markdown":"https://secwatch.observer/filing/0001428336-26-000009.md","text":"https://secwatch.observer/filing/0001428336-26-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1428336/000142833626000009/0001428336-26-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1428336/000142833626000009/hqy-20260317.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T10:21:01.038862+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":"011046f8b5cd177960c46a18500c4070e26b91de","claim":"HEALTHEQUITY, INC. reported the fourth quarter ended January 31, 2026 results: revenue $334.6 million, net income $49.7 million, EPS $0.58 per diluted share. Guidance raised.","evidence_excerpt":"Revenue for the fourth quarter ended January 31, 2026 was $334.6 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1428336/000142833626000009/0001428336-26-000009-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended January 31, 2026"},{"label":"Revenue","value":"$334.6 million"},{"label":"Net income","value":"$49.7 million"},{"label":"EPS","value":"$0.58 per diluted share"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"3f5aa4cdd7ef05a7b82ff04993da13f5e4a0f769","claim":"HEALTHEQUITY, INC. reported the fiscal year ended January 31, 2026 results: revenue $1.31 billion, net income $215.2 million, EPS $2.46 per diluted share. Guidance raised.","evidence_excerpt":"Revenue for the fiscal year ended January 31, 2026 was $1.31 billion","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1428336/000142833626000009/0001428336-26-000009-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended January 31, 2026"},{"label":"Revenue","value":"$1.31 billion"},{"label":"Net income","value":"$215.2 million"},{"label":"EPS","value":"$2.46 per diluted share"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}