Should I buy HealthEquity (HQY) stock or is it too late?

HealthEquity · Health Care · price $93

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: BTIG — 63% of its targets hit on this sector (41 calls tested). It aims for $115 (+23 %), call made on July 25, 2026, maturing on July 25, 2027 (34 d ago).

The 2 reliable analysts $112+19 %

The 5 other firms $111+19 %

How to read it: the 2 reliable firms are not filtered by optimism — 2 aim above the price, 0 below, hence their $112 median. “The 5 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on HealthEquity

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
Cantor Fitzgerald	83 %	+33.4 %	6	$85 -9%
JP Morgan	100 %	+27.9 %	6	$123 +32%
Barrington Research	62 %	+15.8 %	16	$110 +18%
RBC Capital	85 %	+13.9 %	13	$108 +16%
Deutsche Bank	56 %	+11.4 %	18	$128 +37%
Raymond James	56 %	+7.2 %	18	$120 +28%
JMP Securities	80 %	+5.9 %	5	$117 +25%
Wells Fargo	62 %	+5.9 %	16	$125 +34%

In short — Should you invest in HealthEquity? Is it too late, still worth it? Analysts are overwhelmingly positive (100% buy, median target $111, i.e. +19%), and the most reliable on HQY targets even higher. But it pays virtually no dividend. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

100% of analysts rate it a buy (Buy consensus, 7 ratings) — a sign of market conviction.
Median price target $111, i.e. +19% from the current price ($93).
The most reliable firm on HQY, JP Morgan (100% hit rate, 6 scored calls), targets $123 (call made on March 18, 2026, maturing on March 18, 2027) (+32%) in its most recent call, and $126 (call made on September 3, 2025, maturing on September 3, 2026) (+35%) in the one coming due soonest.

⚠️ Reasons to hesitate

A 12-month target is not a guaranteed path: the price can fall in the meantime.
No dividend: your return depends only on price appreciation.
A near-unanimous consensus leaves little room for positive surprise — a lot of optimism is already baked in.

The analyst consensus on HQY

Median target $111 (+19%) · 7 ratings · Buy consensus

Strong Buy00%

Buy7100%

Hold00%

Sell00%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in HealthEquity now?

We won't decide for you. The facts: 100% of analysts rate it a buy, median target $111 (+19%), and JP Morgan (most reliable on HQY, 100%) targets $123. Weigh that against valuation. This is not personalized advice.

Is it too late to invest in HealthEquity?

Not according to analysts: the median target ($111) is still +19% above the current price ($93) (most reliable on HQY: JP Morgan, 100%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is HealthEquity still worth investing in?

It depends on the gap between the price ($93) and its estimated value: analysts target $111 on median (+19%), with 100% buys (most reliable on HQY: JP Morgan, 100%). Cross-check with their real reliability on HQY and the cautions above. Information, not advice.

What's the main risk in buying HQY?

A 12-month target is not a guaranteed path: the price can fall in the meantime.

→ Go deeper: the full HealthEquity profile (consensus, analyst reliability, price target, performance).