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HQY · Healthequity, Inc.
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HQY Healthequity (HQY) Insider Trading, Ownership & Congress Trades

Services · Services-business services, nec · CIK 0001428336
Quote by TradingView
C-suite buying · 1Congress · 1Form 144 · 7
Funds added, last quarter
286
13F, latest reported quarter
Conversions, 180 days
2
Codes C/M, not in net · $363.2K priced

What the filings say about HQY

Insiders, 180 days
-$2.4M net sold
1 buyer · 5 sellers · 25% of sales under a 10b5-1 plan
Congress, 1 year
1 bought · 0 sold
Latest: purchase, 2026-07-10
Planned sales (Form 144), 90 days
$1.6M
7 notices

Healthequity insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, HEALTHEQUITY, INC. insiders sold a net $2.4M of stock across 134 Form 4 purchases and sales, with 1 insider buying. Source: SEC Form 4 filings, as of 2026-10-27.

Insider
Filed
Shares
Value
Since filing
Rajasekar Sunil
EVP Chief Prod & Strat Officer
BUY
2026-10-19 SECtraded 2026-10-15
108
$9.8K
+7.6%
Context
  • 3 earlier Form 4 trades (code P or S) here by this insider (1 buy, 2 sales), the last on Aug 24, 2026.
  • The trade is 0.2% of the 53,405 shares held after it.
  • No other insider bought within 30 days.
  • 286 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP Chief Prod & Strat Officer Rajasekar Sunil bought about $9.8K of HQY on Oct 15, 2026, the largest insider purchase at the company since 2021; 286 funds added in the latest 13F quarter.
DILLON ADRIAN T
Director
SELL
2026-08-27 SECtraded 2026-08-25
6,300
$658.2K
+7.9%
Context
  • 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 14, 2021.
  • The trade is 9.9% of the 63,727 shares held after it.
  • 1 other insider sold within 30 days.
  • 286 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director DILLON ADRIAN T sold about $658.2K of HQY under a 10b5-1 plan on Aug 25, 2026; 1 other insider sold within 30 days and 286 funds added in the latest 13F quarter.
DILLON ADRIAN T
Director
SELL
2026-08-27 SECtraded 2026-08-25
1,332
$140.2K
+7.9%
Context
  • 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 14, 2021.
  • The trade is 2.1% of the 62,395 shares held after it.
  • 1 other insider sold within 30 days.
  • 286 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director DILLON ADRIAN T sold about $140.2K of HQY under a 10b5-1 plan on Aug 25, 2026; 1 other insider sold within 30 days and 286 funds added in the latest 13F quarter.
Rajasekar Sunil
EVP Chief Prod & Strat Officer
SELL
2026-10-19 SECtraded 2026-08-24
108
$11.4K
+7.6%
Context
  • 2 earlier Form 4 trades (code P or S) here by this insider (1 buy, 1 sale), the last on Jul 8, 2026.
  • The trade is 0.2% of the 53,297 shares held after it.
  • 1 other insider sold within 30 days.
  • 286 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP Chief Prod & Strat Officer Rajasekar Sunil sold about $11.4K of HQY on Aug 24, 2026; 1 other insider sold within 30 days and 286 funds added in the latest 13F quarter.
Fiore Michael Henry
EVP, CHIEF COMMERCIAL OFFICER
SELL
2026-07-14 SECtraded 2026-07-10
2,354
$223.6K
+9.4%
Context
  • 6 earlier Form 4 trades (code P or S) here by this insider (6 sales), the last on Jul 2, 2026.
  • The trade is 4.5% of the 52,244 shares held after it.
  • No other insider sold within 30 days.
  • 286 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP, CHIEF COMMERCIAL OFFICER Fiore Michael Henry sold about $223.6K of HQY on Jul 10, 2026; 286 funds added in the latest 13F quarter.
134 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 129 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$2.4M over 180 days
-$800.0K over 90 days
below 65% of Services
Congress
1 member bought in the last year
the lowest in Services
Funds
286 funds bought in last quarter
more than 86% of Services
Revenue
+9.5% year over year
more than 61% of Services
Margin
16.4% net margin
more than 84% of Services
Buybacks
$231.1M repurchased, FY to 2026-07-31
more than 74% of Services
Short interest
7.4% of the float short (float per yahoo 2026-10-26) · 6.1 days to cover · settled 2026-09-30
more than 78% of Services
What changed in the last 30 days
Oct 8Officer James M. Lucania filed to sell $257.2K by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 8Former EVP, CCO Michael Henry Fiore filed to sell $185.2K by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 8Officer Scott Cutler filed to sell $112.1K by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 8Officer Stephen Neeleman filed to sell $99.8K by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 8Officer Delano Ladd filed to sell $98.4K by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.

Watch HQY

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+8.9%12M
-23%-12%+0%+12%2025-102025-122026-022026-042026-062026-082026-10 2025-12-18 · Rosner Elimelech sold $1.0M2026-05-28 · Ladd Delano sold $675.0K2026-08-25 · DILLON ADRIAN T sold $658.2K2025-12-12 · Wellborn Gayle Furgurson sold $425.4K2026-05-29 · Fiore Michael Henry sold $298.5K2026-07-02 · Fiore Michael Henry sold $234.7K2026-07-10 · Fiore Michael Henry sold $223.6K2026-05-28 · Wellborn Gayle Furgurson sold $219.5K2025-11-20 · Ladd Delano sold $156.8K2025-12-19 · Ladd Delano sold $142.1K2026-08-25 · DILLON ADRIAN T sold $140.2K2026-08-24 · Rajasekar Sunil sold $11.4K2026-10-15 · Rajasekar Sunil bought $9.8K2026-07-08 · Rajasekar Sunil bought $2.2K2026-04-22 · Rajasekar Sunil sold $1.9K2026-10-08 · Scott Cutler filed to sell $112.1K2026-10-08 · Michael Henry Fiore filed to sell $185.2K2026-10-08 · Michael Gathright filed to sell $60.3K2026-10-08 · Stephen Neeleman filed to sell $99.8K2026-10-08 · James M. Lucania filed to sell $257.2K2026-10-08 · Delano Ladd filed to sell $98.4K2026-08-25 · ADRIAN DILLON filed to sell $804.4K2026-07-13 · Michael Gathright filed to sell $211.3K2026-07-10 · Scott Cutler filed to sell $117.7K2026-07-10 · MICHAEL FIORE filed to sell $223.2K2026-07-10 · Michael Henry Fiore filed to sell $194.4K2026-07-10 · Stephen Neeleman filed to sell $104.9K2026-07-10 · James M. Lucania filed to sell $269.9K2026-07-10 · Delano Ladd filed to sell $103.4K2026-07-02 · MICHAEL FIORE filed to sell $228.0K
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns HQY: institutional holders (13F)

13F holdings, latest reported quarter
BlackRock, Inc.
11,277,914 sh
$1.0B
WASATCH ADVISORS LP
7,960,735 sh
$719.0M
MORGAN STANLEY
4,547,219 sh
$410.7M
VANGUARD PORTFOLIO MANAGEMENT LLC
4,057,643 sh
$366.5M
VANGUARD CAPITAL MANAGEMENT LLC
3,640,776 sh
$328.8M

Congress trades in HQY

STOCK Act disclosures, US House only, filed up to 45 days after the trade
Gilbert Cisneros
Bought 2026-07-10 · disclosed 56 days later
$1,001 - $15,000
Gilbert Cisneros
Bought 2026-06-30 · disclosed 2 days later
$1,001 - $15,000
Gilbert Cisneros
Bought 2026-05-29 · disclosed 10 days later
$1,001 - $15,000
Lisa McClain
Sold 2025-06-17 · disclosed 57 days later
$1,001 - $15,000
Gilbert Cisneros
Sold 2025-06-16 · disclosed 24 days later
$1,001 - $15,000
All stocks members of Congress are buying · Every member's trades

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

HQY planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Scott Cutler
Filed 2026-10-08
$112.1K
Michael Henry Fiore
Filed 2026-10-08
$185.2K
Michael Gathright
Filed 2026-10-08
$60.3K
Stephen Neeleman
Filed 2026-10-08
$99.8K
James M. Lucania
Filed 2026-10-08
$257.2K

HQY mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
Wasatch Core Growth Fund
$201.3M position · as of 2026-06-30
6.7%
Wasatch U.S. Select Fund
$1.1M position · as of 2026-06-30
6.2%
Wasatch Small Cap Growth Fund
$67.9M position · as of 2026-06-30
5.8%
Wasatch Long/Short Alpha Fund
$2.1M position · as of 2026-06-30
5.5%
Wasatch Global Select Fund
$656.9K position · as of 2026-06-30
5.3%
Motley Fool Mid-Cap Growth ETF
$5.8M position · as of 2026-05-31
5.0%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Executive pay vs shareholder return · Scott Cutler
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$13.6M
$10.4M
$4.4M
+3%
-19%
2023
$13.4M
$22.9M
$3.9M
-10%
-24%
2022
$13.4M
$14.4M
$5.6M
-27%
-27%
2021
$9.9M
-$5.5M
$2.4M
-36%
-7%
2020
$9.4M
$16.5M
$2.7M
+26%
+28%
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $2.4M sold by insiders over 180 days, 286 funds added last quarter, 1 House member(s) bought in 12 months, disclosed weeks after the trade, $1.6M in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
DASHABNBSEETSYFICOXMTRACNZGFLYWMAMAXPHR

HQY financials

Revenue growth
+9.5%
XBRL, annual
Net margin
16.4%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.4B
four quarters, 2025-08-01 to 2026-07-31
Net margin, TTM
+17.4%
net income over revenue, 2025-08-01 to 2026-07-31
Free cash flow, TTM
$487.7M
operating cash flow minus capex, 2025-08-01 to 2026-07-31
Debt to equity
0.47x
long-term 2026-07-31 plus current 2026-07-31; equity 2026-07-31
Cash flow to debt
0.53x
TTM operating cash flow over long-term 2026-07-31 plus current 2026-07-31
Return on equity
+11.4%
TTM net income over average of 2025-07-31 and 2026-07-31
Return on assets
+7.1%
TTM net income over average of 2025-07-31 and 2026-07-31
Return on invested capital
+9.9%
operating income after a 23.4% effective tax rate, over long-term 2026-07-31 plus current 2026-07-31 plus average of 2025-07-31 and 2026-07-31 minus cash
Return on capital employed
+11.0%
operating income (EBIT proxy) over average of 2025-07-31 and 2026-07-31 minus current liabilities
P/E, trailing
37.53x
close 2026-10-23 over four quarters of diluted EPS, 2025-08-01 to 2026-07-31
Enterprise value
$9.3B
market value at close 2026-10-23 on 2026-08-20 shares, plus long-term 2026-07-31 plus current 2026-07-31, minus cash 2026-07-31
FCF yield
+5.7%
TTM free cash flow over market value at close 2026-10-23
PEG, trailing
0.55x
P/E over trailing EPS growth of 68%: four quarters to 2026-07-31 against the four to 2025-07-31
Price as of 2026-10-23. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2026-012025-012024-012023-01
Revenue$1.3B$1.2B$999.6M$861.7M
Gross profit$913.1M$777.3M$622.6M$491.9M
Operating income$322.5M$162.3M$117.7M$9.1M
Net income$215.2M$96.7M$55.7M-$26.1M
EPS (diluted)2.461.090.64-0.31
Operating cash flow$457.1M$339.9M$242.8M$150.7M
Cash$318.9M$295.9M$404.0M$254.3M
Long-term debt$957.4M$1.1B$875.0M$907.8M
Buybacks$299.3M$121.5M$0$0
SEC XBRL, fiscal years, as known on 2026-10-27

HQY Stock Sonar score 6/7 axes

Find similar shapesCompare

HQY ranks highest on institutional and government (86th percentile) and profitability (58th), and lowest on growth (32nd), among Services peers.

ProfitHealthGrowthInsidersInstitutionsRisk
Profitability
58
Inputs
  • Return on equity+11.4% · 58 pct, sector of 207
  • Return on assets+7.1% · 76 pct, sector of 269
  • Return on invested capital+9.9% · 31 pct, sector of 81
  • Return on capital employed+11.0% · 66 pct, sector of 203
Financial health
58
Inputs
  • Debt to equity0.47x · 43 pct, sector of 228
  • Cash flow to debt0.53x · 73 pct, sector of 199
Growth
32
Inputs
  • Revenue growth, YoY+9.5% · 61 pct, sector of 341
  • Backlog growth, YoY-73.0% · 3 pct, sector of 77
Insider conviction
46
Inputs
  • Net Form 4 buying (codes P and S), 180d-$1.7M · 36 pct, sector of 174
  • Insider buyers, 180d1 · 57 pct, sector of 179
Institutional and government
86
Inputs
  • Funds adding, latest quarter286 · 86 pct, sector of 243
  • Congress net buyers, 365d1 · 92 pct, sector of 37
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quarters$2.8M · 80 pct, sector of 61
Risk and compliance
39
Inputs
  • Short interest, % of float+7.4% · 25 pct, sector of 383
  • Recalls per $1B revenue, 3ynot measured for this sector, almost no peer has an event
  • EPA cases per $1B revenue, 5ynot measured for this sector, almost no peer has an event
  • New text in Risk Factors, latest 10-K+11.0% · 54 pct, sector of 227
1 not measured: US patents
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

HQY filings, in plain words

Are Healthequity insiders buying or selling HQY?

In the 180 days to 2026-10-27, Healthequity insiders were net sellers, a net $2.4M: $11.9K of purchases and $2.5M of sales reported on Form 4, by 1 buyer and 5 sellers.

Have members of Congress traded HQY?

Yes. In the year to 2026-10-27, 1 House member disclosed buying HQY and 0 House members disclosed selling it; the latest on record is a purchase by Gilbert Cisneros dated 2026-07-10.

Are there planned insider sales of HQY?

Yes. 7 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-27, covering $1.6M of stock; the latest, by Scott Cutler, was filed 2026-10-08.

Read the full summary

In the 180 days to 2026-10-27, Healthequity insiders were net sellers of HQY, a net $2.4M across purchases and sales reported on Form 4 by 1 buyer and 5 sellers. Sales outweighed purchases more than tenfold by value. 25% of the 8 insider sales were made under a Rule 10b5-1 plan; the rest were not flagged as planned. In the year to 2026-10-27, 1 member of Congress disclosed buying HQY and 0 members disclosed selling it; the latest on record is a purchase by Gilbert Cisneros dated 2026-07-10. Insiders filed 7 Form 144 notices of intent to sell in the 90 days to 2026-10-27, covering $1.6M of stock. Each figure is counted from SEC and House filings as of 2026-10-27, dated the day the filing was made public.

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