Profitability
Weight: 25%
C-
48
- 5yr Avg ROIC 3.0%
- Operating Margin Trend +5.32 pp/yr
HQY
HealthEquity, Inc.
AlphaQuality composite grade, weighted for platform & compounding fcf businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a platform & compounding fcf business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
D-
30
- 5yr Avg ROE 2.8%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 25%
A+
96
- 5yr Revenue CAGR 14.8%
- 5yr EPS CAGR 96.1%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 20%
B+
76
- 5yr FCF Margin 17.3%
- 5yr FCF/NI Conversion 3.05x
Balance Sheet
Weight: 10%
B
75
- Net Debt / EBITDA 2.12x
- Interest Coverage (EBIT/Int) 5.64x
- Altman Z-Score 4.18
Stability
Weight: 5%
C+
58
- EPS Volatility (σ/μ) 0.85
- Piotroski F-Score 9
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 new buy; 1 added; 2 full exits.
- Holders
- 2 -1
- Avg Δ position
- +219.2%
- New buys
- 1
- Full exits
- 2