OakChart

Healthequity Inc

HQYHealthcare·Health Information Services·USA·Mid·NASD·Nov 11 • 3:59 PM ET

103.03-0.51 (-0.49%)
2026-11-11 22:52 CET
Market cap
8,564.34 USD m
Revenue, TTM
1,361.95 USD m
Net income, TTM
236.49 USD m
Free cash flow, TTM
487.73 USD m
EPS diluted, TTM
2.77
P/E
37.21
Compare

Price

HQY against its 20, 50 and 200-day averages
2050200beatearnings
80.0090.00100.00110.001.6M3.2MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26HQYclose 103.0320-day 100.8650-day 95.90200-day 89.76103.0352w high

6.6% under the 52-week high of 110.26 on 5 Nov 2026. 52-week low 72.76 on 17 Feb 2026. Last 15 sessions, 12.9% high to low

Volume 0.67× normal · the line is the 50-bar volume average

Profile

HQY
52-week range, 81% of the way up
72.76110.26

HealthEquity, Inc. engages in the provision of technology-enabled services for healthcare and spending decisions. The company was founded by Stephen D. Neeleman on September 18, 2002 and is headquartered in Draper, UT.

IndexRUT
Employees2814
IPOJul 31, 2014
Beta0.19
ATR, 14d3.41
Rel volume0.67
Short float6.80%
Insider own2.64%
Inst own109.36%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap8.52B
Enterprise Value9.24B
Income236.49M
Sales1.36B
Book/sh24.00
Cash/sh3.09
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees2814
IPOJul 31, 2014

Ratios

P/E37.21
Forward P/E18.67
PEG1.26
P/S6.26
P/B4.29
P/C33.29
P/FCF17.47
EV/EBITDA17.99
EV/Sales6.78
Quick Ratio2.99
Current Ratio2.99
Debt/Eq0.49
LT Debt/Eq0.48
Option/ShortYes / Yes

Earnings

EPS (ttm)2.77
EPS next Y5.52
EPS next Q1.15
EPS this Y18.11%
EPS next Y16.80%
EPS next 5Y14.85%
EPS past 3/5Y- 83.98%
Sales past 3/5Y15.08% 12.36%
EPS Y/Y TTM65.97%
Sales Y/Y TTM7.33%
EPS Q/Q14.56%
Sales Q/Q7.65%
EarningsDec 01 AMC
EPS/Sales Surpr.3.92% 0.42%

Ownership

Insider Own2.64%
Insider Trans-1.16%
Inst Own109.36%
Inst Trans-0.64%
ROA7.07%
ROE11.43%
ROIC8.01%
Gross Margin63.41%
Oper. Margin26.12%
Profit Margin17.36%
SMA202.15%
SMA507.44%
SMA20014.78%
Trades-

Technical

Shs Outstand82.91M
Shs Float80.54M
Short Float6.80%
Short Ratio6.27
Short Interest5.48M
52W High110.26 -6.56%
52W Low72.76 41.60%
Volatility5.03% 3.51%
ATR (14)3.41
RSI (14)57.04
Beta0.19
Rel Volume0.67
Avg Volume872.74K
Volume581,433

Performance

Perf Week-5.34%
Perf Month14.24%
Perf Quarter-2.42%
Perf Half Y25.37%
Perf YTD12.47%
Perf Year3.21%
Perf 3Y49.34%
Perf 5Y49.10%
Perf 10Y156.80%
Recom1.18
Target Price120.67
Prev Close103.54
Price103.03
Change %-0.49%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Apr 09, 2026UpgradeBBMO Capital MarketsMarket Perform → Outperform$105+1.9%
Jan 09, 2026DowngradeGGoldmanNeutral → Sell$89-13.6%
Dec 09, 2025InitiatedBBarclaysOverweight$118+14.5%
Nov 13, 2025InitiatedBBMO Capital MarketsMarket Perform$100-2.9%
May 22, 2025ResumedRRBC Capital MktsOutperform$105 → $112+8.7%
Mar 25, 2025UpgradeRRaymond JamesOutperform → Strong Buy$120 → $115+11.6%
Dec 04, 2024InitiatedMMizuhoOutperform$126+22.3%
Nov 15, 2024InitiatedGGoldmanNeutral$108+4.8%
Apr 04, 2024InitiatedJJMP SecuritiesMkt Outperform$101-2.0%
Apr 02, 2024ReiteratedJJP MorganOverweight$86 → $108+4.8%

Peers

Mkt cap
TickerCompanyMkt cap
WEXWEX Inc5.99B
WAYWaystar Holding Corp5.55B
UMBFUMB Financial Corp10.23B
UNHUnitedhealth Group Inc361.04B
VOYAVoya Financial Inc9.26B
ALITAlight Inc329.45M
PAYXPaychex Inc41.07B
TNETTriNet Group Inc3.00B
ADPAutomatic Data Processing Inc120.94B
CNDTConduent Inc208.61M

Insider trading

latest 14 of 53
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Rajasekar SunilEVP Chief Prod & Strat OfficerOct 15 '26Buy90.331089,75653,405Oct 19 05:30 PM
Rajasekar SunilEVP Chief Prod & Strat OfficerJul 08 '26Buy95.06232,18653,405Oct 19 05:30 PM
Rajasekar SunilEVP Chief Prod & Strat OfficerAug 24 '26Sale105.6010811,40553,297Oct 19 05:30 PM
Rajasekar SunilEVP Chief Prod & Strat OfficerApr 22 '26Sale82.81231,90553,382Oct 19 05:30 PM
Delano LaddOfficerOct 06 '26Proposed Sale91.161,08098,448Oct 08 07:53 PM
Michael Henry FioreFormer EVP, CCOOct 06 '26Proposed Sale91.162,032185,228Oct 08 07:47 PM
Stephen NeelemanOfficerOct 06 '26Proposed Sale91.161,09599,815Oct 08 06:06 PM
Michael GathrightOfficerOct 06 '26Proposed Sale91.1666260,345Oct 08 06:01 PM
James M. LucaniaOfficerOct 06 '26Proposed Sale91.162,822257,240Oct 08 05:55 PM
Scott CutlerOfficerOct 06 '26Proposed Sale91.161,230112,121Oct 08 05:46 PM
DILLON ADRIAN TDirectorAug 25 '26Option Exercise32.507,632248,04070,027Aug 27 05:04 PM
DILLON ADRIAN TDirectorAug 25 '26Sale104.617,632798,37362,395Aug 27 05:04 PM
ADRIAN DILLONDirectorAug 25 '26Proposed Sale105.407,632804,413Aug 25 04:28 PM
Fiore Michael HenryEVP, CHIEF COMMERCIAL OFFICERJul 10 '26Sale95.002,354223,63052,244Jul 14 04:23 PM

Held by

AUM
TickerCompanyAUM
IJHiShares Core S&P Mid-Cap ETFAUM: 124.48B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBKVanguard Morningstar Small-Cap Growth ETFAUM: 22.34B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
MDYState Street SPDR S&P MIDCAP 400 ETF TrustAUM: 26.22B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
IJKiShares S&P Mid-Cap 400 Growth ETFAUM: 10.46B

News

latest 14 of 198

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-12-01-1.152--347.2414
2026Q22026-08-271.2401.1930.780350.7349.2214
2026Q12026-05-281.2401.1150.817354.64352.0215
2025Q42026-03-170.9500.8980.576334.6332.3214
2025Q32025-12-031.0100.9120.594322.2320.6314
2025Q22025-09-021.0800.9140.682325.8320.7412
2025Q12025-06-030.9700.8130.610330.8322.2813
2024Q42025-03-180.6900.7160.296311.8305.8213
2024Q32024-12-090.7800.7220.064300.4290.0913
2024Q22024-09-030.8600.6990.404299.93285.1314
2024Q12024-06-030.8000.6560.326287.6277.9113
2023Q42024-03-190.6300.5680.302262.4258.6912
2023Q32023-12-050.6000.5000.168249.2243.6111
2023Q22023-09-050.5300.4770.123243.55239.9612
2023Q12023-06-050.5000.4050.048244.43239.3912
2022Q42023-03-210.3700.349-0.003233.84230.7312

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.6800.7280.766229.53227.35
2018FY1.1901.1581.166287.24285.59
2019FY1.7301.6790.579531.99529.78
2020FY1.6701.6650.117733.57731.18
2021FY1.3301.333-0.533756.56753.12
2022FY1.3601.334-0.310861.75858.8
2023FY2.2502.1970.641999.6995.66
2024FY3.1203.1531.0891,2001,194
2025FY4.0003.9562.4601,3101,312
2026FY-4.725--1,417
2027FY-5.518--1,525
2028FY-6.060--1,620

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q3S2026-10-231410347.24344.9350.05
2026Q3S2026-10-201410347.19344.9350.05
2026Q3S2026-10-141410347.19344.9350.05
2026Q3S2026-09-031410347.18344.9350.05
2026Q3S2026-09-021400346.86343.28350.05
2026Q3S2026-08-281400346.88343.28350.05
2026Q3S2026-08-271400346.88343.28350.05
2026Q3S2026-08-131400346.55343.28348.99
2026Q3S2026-08-121400346.56343.28348.99
2026Q3S2026-07-281401346.56343.28348.99
2026Q3S2026-07-221401346.58343.28349
2026Q3S2026-07-141401346.58343.28349
2026Q3S2026-07-131511346.89343.28351.25
2026Q3S2026-06-111511346.84343.28350.52

Estimate history

EPS, annual0.7661.1660.5790.117-0.533-0.310.6411.0892.462.7688
Period201720182019202020212022202320242025TTM
EPS, quarterly0.4040.0640.2960.610.6820.5940.5760.8170.781
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Sales, annual229.525287.243531.993733.57756.556861.748999.5871199.7741313.4291361.95
Period201720182019202020212022202320242025TTM
Sales, quarterly299.928300.432311.817330.844325.835322.164334.586354.445350.76
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Shares, annual60.82562.44671.05177.16883.7884.75886.12786.53685.00782.909
Period201720182019202020212022202320242025MRQ
Shares, quarterly87.32486.82386.53686.71486.42185.61585.00783.92782.909
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue1,361.951,313.431,199.77999.59861.75756.56733.57531.99287.24
Cost of Goods Sold Incl. D&A498.40508.27507.19469.71466.24415.64394.30240.79111.98
Gross Profit863.56805.16692.58529.87395.50340.92339.27291.20175.26
Selling, General and Administrative Excl. Other507.75477.68462.51401.74357.85300.35259.27182.0997.59
Research and Development277.96262.51239.51218.81193.38157.36124.8177.5835.06
Other Operating Expense0.000.000.000.000.000.000.000.000.00
Operating Income355.81327.48230.07128.1337.6540.5780.00109.1277.67
Interest Expense52.5157.1359.0654.3048.4232.5234.8824.770.00
Unusual Expense4.575.0269.3111.5928.6577.5447.1172.922.10
Net Income Before Taxes308.71277.43116.0375.04-38.10-66.744.1443.1675.82
Income Taxes72.2262.2319.3319.33-11.95-22.45-4.693.491.92
Consolidated Net Income236.49215.2096.7055.71-26.14-44.298.8339.6673.90
Net Income From Continuing Operations236.49215.2096.7055.71-26.14-44.298.8339.6673.90
Net Income236.49215.2096.7055.71-26.14-44.298.8339.6673.90
EPS (Recurring)2.852.501.630.73-0.070.120.551.331.19
EPS (Basic, Before Extraordinaries)2.792.501.110.65-0.31-0.530.120.591.20
EPS (Diluted)2.772.461.090.64-0.31-0.530.120.581.17
EBITDA513.44482.14392.52281.21198.85177.75195.91164.4795.86
Non-Operating Income (Expense)9.9812.1114.3312.801.322.756.1231.730.25
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense64.2157.7276.1860.9549.4738.7631.2933.1616.64
Price To Earnings Ratio37.4037.40100.73118.09--1,920.69102.4853.22
Price To Sales Ratio6.215.718.186.575.965.878.628.5013.75
Gross Margin63.4161.3057.7353.0145.9045.0646.2554.7461.02
Operating Margin26.1224.9319.1812.824.375.3610.9120.5127.04
Net Margin17.3616.388.065.57-3.03-5.851.207.4625.73
Shares Outstanding82.9185.0186.5486.1384.7683.7877.1771.0562.45
Market Capitalization8,564.348,564.349,569.306,484.855,150.334,467.666,432.574,682.273,889.33

Income statement, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q3
Total Revenue350.76354.44334.59322.16325.83330.84311.82300.43
Cost of Goods Sold Incl. D&A119.06124.84133.39121.10120.24133.53122.58131.76
Gross Profit231.70229.60201.20201.06205.59197.31189.24168.68
Selling, General and Administrative Excl. Other132.01125.73128.80121.21114.72112.96117.71114.61
Research and Development73.9267.7770.3565.9264.8061.4464.6560.19
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income99.69103.8772.3979.8590.8884.3571.5354.06
Interest Expense12.6112.5913.2714.0514.9614.8615.2618.16
Unusual Expense0.971.111.321.161.271.2729.3834.44
Net Income Before Taxes87.8692.4160.9067.5378.0570.9529.966.22
Income Taxes22.2223.0011.1615.8418.1917.043.600.52
Consolidated Net Income65.6469.4249.7451.6959.8553.9126.365.70
Net Income From Continuing Operations65.6469.4249.7451.6959.8553.9126.365.70
Net Income65.6469.4249.7451.6959.8553.9126.365.70
EPS (Recurring)0.790.830.590.600.690.620.530.34
EPS (Basic, Before Extraordinaries)0.790.820.580.600.690.620.300.07
EPS (Diluted)0.780.820.580.590.680.610.300.06
EBITDA141.64142.08111.08118.63129.33123.09110.7194.78
Non-Operating Income (Expense)1.752.243.102.893.392.733.074.75
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense17.5515.3315.1016.2315.0611.3317.1516.69
Price To Earnings Ratio37.4033.3139.2657.2670.6078.62100.7371.02
Price To Sales Ratio6.215.225.636.376.716.108.216.57
Gross Margin66.0664.7860.1362.4163.1059.6460.6956.14
Operating Margin28.4229.3021.6424.7927.8925.5022.9417.99
Net Margin18.7119.5814.8716.0518.3716.308.461.90
Shares Outstanding82.9183.9385.0185.6186.4286.7186.5486.82
Market Capitalization8,564.346,929.767,319.338,148.668,388.117,414.489,569.307,444.41

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments318.93295.95403.98254.27225.41328.80191.73361.48240.27
Short Term Receivables123.70118.01104.8996.8387.4372.7770.8625.6721.60
Inventories0.000.000.000.000.000.000.000.000.00
Other Current Assets69.6663.8048.5631.7938.4958.6134.717.533.52
Total Current Assets512.28477.75557.44382.89351.34460.18297.30394.68265.40
Net Property, Plant & Equipment39.4946.4254.3969.3286.98118.61116.668.227.84
Total Investments and Advances3.290.000.000.000.000.000.000.700.71
Intangible Assets2,745.322,852.802,484.092,584.502,618.972,094.202,115.9184.3288.29
Deferred Tax Assets51.7195.4572.71--0.000.021.6811.59
Other Assets79.9671.5767.8752.1849.8137.4235.0920.421.47
Total Assets3,432.043,544.003,236.503,088.903,107.102,710.412,564.98510.02375.29
Short Term Debt Incl. Current Port. of LT Debt9.9110.009.4027.6620.9276.5451.460.000.00
Accounts Payable12.1614.3612.0413.9027.541.613.983.522.42
Other Current Liabilities134.78131.9695.6589.50104.72126.5596.4925.5318.07
Total Current Liabilities156.85156.32117.09131.06153.19204.70151.9429.0520.49
Long Term Debt991.571,098.52923.74966.83987.31998.441,249.630.000.00
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities145.42151.28141.3882.6799.85119.73130.490.926.13
Other Liabilities31.0122.9619.2712.7114.198.812.622.972.40
Total Liabilities1,324.851,429.091,201.481,193.261,254.531,331.681,534.6932.9429.01
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity2,107.202,114.912,035.021,895.641,852.581,378.731,030.30477.08346.27
Total Shareholders Equity2,107.202,114.912,035.021,895.641,852.581,378.731,030.30477.08346.27
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,107.202,114.912,035.021,895.641,852.581,378.731,030.30477.08346.27
Total Liabilities & Stockholders Equity3,432.043,544.003,236.503,088.903,107.102,710.412,564.98510.02375.29
Book Value Per Share24.7924.4423.6322.3722.1117.8714.507.645.69
Tangible Book Value Per Share-7.51-8.53-5.21-8.13-9.15-9.27-15.286.294.24
Full-Time Employees2,8143,1203,1503,2083,7153,0012,9311,1411,027
Price to Book Ratio4.314.513.202.722.424.744.568.168.89
Return on Assets6.172.851.76-0.84-1.520.332.5816.6914.47
Return on Equity10.194.662.83-1.39-2.740.735.2617.9515.57
Return on Invested Capital6.943.011.88-0.91-1.560.371.7415.4913.68
Quick Ratio3.273.064.762.922.292.251.9613.5812.95
Current Ratio3.273.064.762.922.292.251.9613.5812.95

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Net Income236.49215.2096.7055.71-26.14-44.298.8339.6673.90
Depreciation157.63154.66162.45153.08161.20137.19115.9055.3518.18
Other Funds (Non Cash)82.1974.12100.0781.1666.1469.9049.7216.6922.23
Funds from Operations504.66483.71346.39275.95184.02139.37169.32115.37114.72
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-14.48-26.62-6.53-33.13-33.371.6212.29-10.36-1.30
Cash from Operating Activities490.18457.09339.86242.83150.65141.00181.62105.01113.42
Capital Expenditures-53.51-48.78-505.45-46.07-119.13-137.08-96.96-42.07-15.04
Net Assets From Acquisitions0.000.000.000.000.00-504.530.00-1,644.580.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.002.370.00-53.8440.69
Purchase of Investments0.000.000.000.000.000.000.00-53.84-0.73
Sale Or Maturity of Investments0.000.000.000.000.002.370.000.0041.42
Other Uses-7.760.000.000.000.000.000.000.000.00
Other Sources-1.640.000.000.000.000.000.000.00
Cash from Investing Activities-59.64-47.14-505.45-46.07-119.13-639.25-96.96-1,740.4925.65
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-402.87-287.84-112.066.476.68466.39295.35469.8422.93
Repurchase of Common Pref Stock-404.50-299.25-121.490.000.000.000.000.000.00
Sale of Common Pref Stock1.6211.419.436.476.68466.39295.35469.8422.93
Proceedsfrom Stock Options0.000.000.000.000.00456.64286.78458.500.00
Issuance or Reduction of Debt, Net-76.88-100.00171.25-54.38-8.75-65.05-239.061,211.680.00
Change in Long Term Debt-76.88-100.00171.25-54.38-8.75-65.05-239.061,211.680.00
Issuance of Long Term Debt0.000.00733.130.000.00938.080.001,219.500.00
Reduction of Long Term Debt-76.88-100.00-561.88-54.38-8.75-1,003.12-239.06-7.810.00
Net Financing Active Other Cash Flow0.750.87-1.620.86-0.60-6.49-3.86-215.790.00
Other Financing Activities Uses0.000.00-1.620.00-0.60-6.49-3.86-215.790.00
Cash from Financing Activities-479.00-386.9857.57-47.04-2.67394.8652.421,465.7322.93
Net Change in Cash-48.4622.98-108.03149.7128.85-103.39137.08-169.75162.00
Free Cash Flow487.73455.12337.77241.13147.28132.09168.5397.72109.55
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow17.3316.4729.0427.2634.8933.6337.5246.2736.06
Deferred Taxes & Investment Tax Credit-39.73-12.84-13.99-17.18-23.43-5.133.670.41

Balance sheet, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1
Cash & Short Term Investments256.00265.37318.93309.26304.46287.89
Short Term Receivables122.19122.00123.70111.24111.16116.26
Inventories0.000.000.000.000.000.00
Other Current Assets82.0179.1669.6678.2177.2168.65
Total Current Assets460.20466.53512.28498.71492.83472.80
Net Property, Plant & Equipment37.7038.3839.4941.4442.8444.62
Total Investments and Advances0.000.003.297.791.080.00
Intangible Assets2,695.942,721.192,745.322,772.912,800.602,827.57
Deferred Tax Assets--51.71---
Other Assets77.5280.0979.9677.2179.3271.28
Total Assets3,271.363,306.193,432.043,398.063,416.683,416.27
Short Term Debt Incl. Current Port. of LT Debt9.979.929.919.939.959.97
Accounts Payable8.5914.2212.1619.559.6013.50
Income Tax Payable-17.20----
Other Current Liabilities135.2194.41134.7891.1597.0392.88
Total Current Liabilities153.78135.74156.85120.63116.58116.34
Long Term Debt961.05974.77991.571,018.331,045.071,096.79
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities92.4395.35145.42101.5786.6157.16
Other Liabilities74.0052.9331.0123.5021.9922.18
Total Liabilities1,281.251,258.791,324.851,264.041,270.261,292.47
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,990.112,047.392,107.202,134.032,146.422,123.81
Total Shareholders Equity1,990.112,047.392,107.202,134.032,146.422,123.81
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,990.112,047.392,107.202,134.032,146.422,123.81
Total Liabilities & Stockholders Equity3,271.363,306.193,432.043,398.063,416.683,416.27
Book Value Per Share24.0024.3924.7924.9324.8424.49
Tangible Book Value Per Share-8.51-8.03-7.51-7.46-7.57-8.12
Full-Time Employees--2,814---
Price to Book Ratio4.313.313.443.813.963.51
Return on Assets7.076.866.175.574.213.66
Return on Equity11.4311.0610.199.016.785.77
Return on Invested Capital2.222.301.611.641.881.67
Quick Ratio2.993.443.274.134.234.06
Current Ratio2.993.443.274.134.234.06

Cash flow, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1
Net Income65.6469.4249.7451.6959.8553.91
Depreciation41.9538.2138.6838.7838.4538.74
Other Funds (Non Cash)22.5219.4919.3820.8119.3414.60
Funds from Operations139.33137.22104.79123.31147.03108.58
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-3.17-39.7013.1215.27-11.16-43.84
Cash from Operating Activities136.1697.53117.92138.57135.8764.74
Capital Expenditures-15.77-16.29-10.07-11.38-11.18-16.14
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses-7.760.000.000.000.000.00
Other Sources-2.391.640.000.000.00
Cash from Investing Activities-25.91-13.90-8.44-11.38-11.18-16.14
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-107.50-122.90-75.06-97.42-57.26-58.10
Repurchase of Common Pref Stock-107.74-123.31-81.02-92.42-66.75-59.06
Sale of Common Pref Stock0.240.425.96-5.009.480.96
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-11.88-15.00-25.00-25.00-50.000.00
Change in Long Term Debt-11.88-15.00-25.00-25.00-50.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-11.88-15.00-25.00-25.00-50.000.00
Net Financing Active Other Cash Flow-0.240.720.250.03-0.851.45
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities-119.61-137.18-99.81-122.40-108.12-56.65
Net Change in Cash-9.37-53.569.674.8016.57-8.05
Free Cash Flow135.1897.16117.59137.79135.0964.65
Price to Free Cash Flow17.3314.3016.2419.9223.2922.44

Revenue breakdown

Credit and Debit Card2024: 176.04M 2025: 191.61M
Financial Service, Other2024: 545.41M 2025: 636.80M
Service2024: 478.32M 2025: 485.02M
United States2024: 1.20B 2025: 1.31B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.80%5.5M80.5M832.57K
2026-10-157.38%5.9M80.5M830.78K
2026-09-307.44%6.0M80.5M842.78K
2026-09-155.96%4.8M80.5M870.57K
2026-08-315.61%4.5M80.6M892.77K
2026-08-145.06%4.1M81.4M906.54K
2026-07-315.12%4.2M81.5M930.95K
2026-07-156.18%5.0M81.5M974.38K
2026-06-306.46%5.3M81.5M1.00M
2026-06-155.65%4.6M81.5M984.39K
2026-05-295.07%4.1M81.5M984.30K
2026-05-155.51%4.5M81.7M924.18K
2026-04-306.15%5.1M82.2M987.01K
2026-04-155.01%4.1M82.2M987.27K
2026-03-314.18%3.4M82.5M1.03M
2026-03-133.86%3.2M82.5M960.61K
2026-02-273.87%3.2M83.4M988.40K
2026-02-133.81%3.2M83.4M999.82K
2026-01-304.35%3.6M83.5M934.96K
2026-01-154.39%3.7M83.5M915.63K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call50.0051.0055.0042.503.6604.000.000.966-0.2060.012
call55.0046.0050.100.003.3000.000.000.961-0.2020.013
call60.0040.9045.100.002.9250.000.000.956-0.1970.015
call65.0035.9040.200.002.6160.000.000.950-0.1920.016
call70.0031.0035.200.002.2890.000.000.943-0.1860.018
call75.0026.1029.600.001.7780.000.000.934-0.1790.021
call80.0021.1025.2011.601.68559.000.000.922-0.1710.023
call85.0016.0020.1019.201.2381.000.000.906-0.1600.027
call90.0011.0015.206.001.1217.000.000.883-0.1470.032
call95.007.709.2012.620.6272320.000.840-0.1310.039
call1002.606.508.750.75837.000.000.622-0.2800.061
call1050.853.702.000.7091400.000.452-0.2440.063
call1100.101.052.500.5222560.000.243-0.1610.050
call1150.002.301.150.71516.000.000.178-0.1710.042
call1200.002.202.800.8854.000.000.151-0.1900.038
call1250.002.151.091.03916.000.000.134-0.2050.035
call1300.002.150.001.1810.000.000.121-0.2170.032
call1350.002.150.001.3130.000.000.112-0.2280.031
call1400.002.150.001.4350.000.000.104-0.2340.029
call1450.002.150.001.5510.000.000.098-0.2450.028
call1500.002.150.001.6590.000.000.093-0.2500.027
call1550.002.150.001.7620.000.000.089-0.2560.026
put50.000.002.150.882.9161.000.00-0.034-0.2000.012
put55.000.002.150.002.5810.000.00-0.039-0.1960.013
put60.000.002.150.002.2740.000.00-0.044-0.1910.015
put65.000.002.150.001.9890.000.00-0.050-0.1850.016
put70.000.001.352.641.7230.000.00-0.057-0.1780.018
put75.000.002.153.701.4721.000.00-0.066-0.1710.021
put80.000.001.551.201.2332.000.00-0.078-0.1620.023
put85.000.002.150.201.0025.000.00-0.094-0.1510.027
put90.000.002.252.300.7755.000.00-0.117-0.1370.032
put95.000.100.750.530.5475.000.00-0.160-0.1210.039
put1000.003.708.980.8124.000.00-0.378-0.2690.061
put1051.654.904.300.6041.000.00-0.545-0.2430.064
put1106.209.100.000.6930.000.00-0.761-0.1450.050
put11510.0014.2011.200.9872.000.00-0.822-0.1580.042
put12014.9019.000.001.1400.000.00-0.849-0.1770.038
put12519.9024.0021.101.3140.000.00-0.866-0.1910.035
put13024.9029.0035.401.4730.000.00-0.879-0.2030.032
put13530.1034.000.001.6210.000.00-0.888-0.2130.031
put14034.9039.0036.101.7590.000.00-0.896-0.2220.029
put14539.9044.0041.101.8890.000.00-0.902-0.2290.028
put15044.9049.0046.102.0120.000.00-0.907-0.2360.027
put15550.1054.000.002.1280.000.00-0.911-0.2420.026

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-194Statement of changes in beneficial ownership of securities2026-04-22SEC
2026-10-098-KCurrent report2026-10-05SEC
2026-10-09SCHEDULE 13G/ASEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-10-084Statement of changes in beneficial ownership of securities2026-10-06SEC
2026-10-08144Filing for proposed sale of securities under Rule 144.SEC
2026-09-303Initial statement of beneficial ownership of securities2026-09-24SEC
2026-09-308-KCurrent report2026-09-24SEC
2026-09-184Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-08-27S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-08-2710-QQuarterly report pursuant to Section 13 or 15(d)2026-07-31SEC
2026-08-278-KCurrent report2026-08-27SEC
2026-08-274Statement of changes in beneficial ownership of securities2026-08-25SEC
2026-08-25144Filing for proposed sale of securities under Rule 144.SEC
2026-07-31SCHEDULE 13G/ASEC
2026-07-15SCHEDULE 13G/ASEC
2026-07-144Statement of changes in beneficial ownership of securities2026-07-10SEC
2026-07-134Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-07-13144Filing for proposed sale of securities under Rule 144.SEC
2026-07-104Statement of changes in beneficial ownership of securities2026-07-08SEC
2026-07-10144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-109.76K100
2026-090000
2026-0800809.78K2
2026-072.19K1458.28K2
2026-060000
2026-05001.19M3
2026-04001.90K1
2026-030000
2026-020000
2026-010000
2025-12001.61M3
2025-1100156.84K1

Institutional holders

Manager% owned
BlackRock, Inc.13.49%
WASATCH ADVISORS LP8.48%
MORGAN STANLEY5.44%
VANGUARD PORTFOLIO MANAGEMENT LLC4.85%
VANGUARD CAPITAL MANAGEMENT LLC4.35%
STATE STREET CORP3.88%
GEODE CAPITAL MANAGEMENT, LLC2.81%
AQR CAPITAL MANAGEMENT LLC2.39%
DIMENSIONAL FUND ADVISORS LP2.29%
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC2.10%

Funds

Fund% owned
BlackRock High Yield Portfolio37.92%
BrandywineGLOBAL - HIGH YIELD FUND27.14%
Federated Hermes Institutional High Yield Bond Fund22.73%
BrandywineGLOBAL - CORPORATE CREDIT FUND18.90%
Eaton Vance Income Fund of Boston18.38%
PIMCO High Yield Fund14.11%
iShares Broad USD High Yield Corporate Bond ETF12.55%
First Trust Smith Opportunistic Fixed Income ETF8.10%
Fidelity Capital and Income Fund7.67%
First Trust Smith Unconstrained Bond ETF7.54%

OakChart. HQY. Cached 15 minutes.