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    HQY

    HEALTHEQUITY, INC.

    Company overview

    Market capitalization
    $7.32B
    Employees
    2,814
    Latest publication
    2026-09-29
    About HEALTHEQUITY, INC.

    HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. It offers health savings accounts (HAS); investment platform; online-only automated investment advisory services through Advisor, a Web-based tool. The company also provides flexible spending accounts (FSA) for health and dependent care; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. In addition, the company offers HSA and FSA members with access to certain healthcare products, programs, and services through its marketplace. It serves clients through a direct sales force; and brokers and advisors, a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20272026-07-31 · USDQ1 20272026-04-30 · USDQ4 20262026-01-31 · USDQ3 20262025-10-31 · USDQ2 20262025-07-31 · USDQ1 20262025-04-30 · USDQ4 20252025-01-31 · USDQ3 20252024-10-31 · USD
    Total cost of revenue92,778,000USD———————
    Diluted0.78USD/share———————
    General and administrative34,869,000USD———————
    Custodial revenue175,936,000USD———————
    Sales and marketing23,215,000USD———————
    Custodial costs12,083,000USD———————
    Income tax provision22,221,000USD———————
    Amortization of acquired intangible assets26,286,000USD———————
    Other income, net1,780,000USD———————
    Service revenue124,444,000USD———————
    Income from operations98,690,000USD———————
    Merger integration971,000USD———————
    Service costs73,170,000USD———————
    Total other expense-10,825,000USD———————
    Total operating expenses159,264,000USD———————
    Net income65,644,000USD———————
    Interest expense-12,605,000USD———————
    Total revenue350,732,000USD———————
    Gross profit257,954,000USD———————
    Income before income taxes87,865,000USD———————
    Interchange costs7,525,000USD———————
    Interchange revenue50,352,000USD———————
    Basic83,374USD/share———————
    Technology and development73,923,000USD———————
    Total Revenue—354,641,000USD334,586,000USD322,164,000USD325,835,000USD330,844,000USD311,817,000USD300,432,000USD
    Cost Of Revenue—98,329,000USD25,434,000USD121,103,000USD120,241,000USD133,535,000USD122,576,000USD131,756,000USD
    Gross Profit—256,312,000USD309,152,000USD201,061,000USD205,594,000USD197,309,000USD189,241,000USD168,676,000USD
    Research Development—67,767,000USD70,354,000USD65,916,000USD64,804,000USD61,436,000USD64,654,000USD60,189,000USD
    Selling General Administrative—31,131,000USD146,504,000USD30,880,000USD29,990,000USD25,536,000USD29,975,000USD31,789,000USD
    Selling And Marketing Expenses—26,833,000USD24,923,000USD24,411,000USD19,922,000USD25,984,000USD23,084,000USD22,636,000USD
    Total Operating Expenses—125,731,000USD241,781,000USD121,207,000USD114,716,000USD112,956,000USD117,713,000USD114,614,000USD
    Operating Income—102,953,000USD67,371,000USD79,854,000USD90,878,000USD84,353,000USD71,528,000USD54,062,000USD
    Interest Income—1,887,000USD2,768,000USD2,864,000USD3,364,000USD2,733,000USD3,033,000USD3,897,000USD
    Interest Expense—12,588,000USD13,269,000USD14,049,000USD14,955,000USD14,858,000USD15,257,000USD18,155,000USD
    Net Interest Income—-10,701,000USD-10,501,000USD-11,185,000USD-11,591,000USD-12,125,000USD-12,224,000USD-14,258,000USD
    Income Before Tax—92,413,000USD60,899,000USD67,532,000USD78,048,000USD70,953,000USD29,961,000USD6,218,000USD
    Income Tax Expense—22,995,000USD11,159,000USD15,840,000USD18,194,000USD17,038,000USD3,596,000USD515,000USD
    Tax Provision—22,995,000USD11,159,000USD15,840,000USD18,194,000USD17,038,000USD3,596,000USD515,000USD
    Net Income—69,418,000USD49,740,000USD51,692,000USD59,854,000USD53,915,000USD26,365,000USD5,703,000USD
    Net Income From Continuing Ops—69,418,000USD49,740,000USD51,692,000USD59,854,000USD53,915,000USD26,365,000USD5,703,000USD
    Ebitda—102,953,000USD-53,914,000USD120,361,000USD131,457,000USD124,552,000USD84,400,000USD65,094,000USD
    Reconciled Depreciation—38,214,000USD38,682,000USD38,780,000USD38,454,000USD38,741,000USD39,182,000USD40,721,000USD
    Total Other Income Expense Net—-10,540,000USD-6,472,000USD-12,322,000USD-12,830,000USD-13,400,000USD-41,567,000USD-47,844,000USD
    Ebit——62,061,000USD81,581,000USD93,003,000USD85,811,000USD45,218,000USD24,373,000USD
    Depreciation And Amortization——-115,975,000USD38,780,000USD38,454,000USD38,741,000USD39,182,000USD40,721,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-01-31 · USDFY 20252025-01-31 · USDFY 20242024-01-31 · USDFY 20232023-01-31 · USDFY 20222022-01-31 · USDFY 20212021-01-31 · USDFY 20202020-01-31 · USDFY 20192019-01-31 · USD
    Total Revenue1,313,429,000USD1,199,774,000USD999,587,000USD861,748,000USD756,556,000USD733,570,000USD531,993,000USD287,243,000USD
    Cost Of Revenue400,313,000USD507,193,000USD469,713,000USD466,243,000USD415,641,000USD394,300,000USD240,788,000USD111,979,000USD
    Gross Profit913,116,000USD692,581,000USD529,874,000USD395,505,000USD340,915,000USD339,270,000USD291,205,000USD175,264,000USD
    Research Development262,510,000USD239,513,000USD218,811,000USD193,375,000USD157,364,000USD124,809,000USD77,576,000USD35,057,000USD
    Selling General Administrative232,910,000USD132,260,000USD103,656,000USD95,628,000USD84,379,000USD84,493,000USD60,561,000USD33,039,000USD
    Selling And Marketing Expenses95,240,000USD90,739,000USD79,273,000USD68,849,000USD58,605,000USD49,964,000USD43,951,000USD29,498,000USD
    Total Operating Expenses590,660,000USD462,512,000USD401,740,000USD357,852,000USD300,348,000USD259,266,000USD182,088,000USD97,594,000USD
    Operating Income322,456,000USD230,069,000USD128,133,999USD37,653,000USD40,567,000USD80,004,000USD109,117,000USD77,670,000USD
    Interest Income11,729,000USD13,914,000USD12,138,000USD1,763,000USD1,501,000USD1,045,000USD5,905,000USD—
    Interest Expense57,131,000USD60,634,000USD55,455,000USD48,424,000USD36,572,000USD34,881,000USD24,772,000USD0USD
    Net Interest Income-45,402,000USD-46,720,000USD-43,317,000USD-46,661,000USD-36,572,000USD-34,881,000USD-18,867,000USD—
    Income Before Tax277,432,000USD116,034,000USD75,040,000USD-38,096,000USD-66,741,000USD4,140,000USD43,155,000USD75,818,000USD
    Income Tax Expense62,231,000USD19,331,000USD19,328,000USD-11,953,000USD-22,452,000USD-4,694,000USD3,491,000USD1,919,000USD
    Tax Provision62,231,000USD19,331,000USD19,328,000USD-11,953,000USD-22,452,000USD-4,694,000USD3,491,000USD1,919,000USD
    Net Income215,201,000USD96,703,000USD55,712,000USD-26,143,000USD-44,289,000USD8,834,000USD39,664,000USD73,899,000USD
    Net Income From Continuing Ops215,201,000USD96,703,000USD55,712,000USD-26,143,000USD-44,289,000USD8,834,000USD39,664,000USD73,899,000USD
    Ebitda322,456,000USD337,543,000USD282,416,000USD171,529,000USD102,970,000USD154,925,000USD123,279,000USD94,003,000USD
    Reconciled Depreciation154,657,000USD162,451,000USD153,078,000USD161,201,000USD137,188,000USD115,904,000USD55,352,000USD18,185,000USD
    Total Other Income Expense Net-45,024,000USD-114,035,000USD-53,093,999USD-75,749,000USD-107,308,000USD-75,864,000USD-65,962,000USD-1,852,000USD
    Ebit—175,092,000USD129,338,000USD10,328,000USD-34,218,000USD39,021,000USD67,927,000USD75,818,000USD
    Depreciation And Amortization—162,451,000USD153,078,000USD161,201,000USD137,188,000USD115,904,000USD55,352,000USD18,185,000USD
    Net Income Applicable To Common Shares———-26,143,000USD-44,289,000USD8,834,000USD39,664,000USD73,899,000USD
    Non Operating Income Net Other—————5,007,000USD-9,079,000USD-1,852,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20272026-07-31 · USDQ1 20272026-04-30 · USDQ4 20262026-01-31 · USDQ3 20262025-10-31 · USDQ2 20262025-07-31 · USDQ1 20262025-04-30 · USDQ4 20252025-01-31 · USDQ3 20252024-10-31 · USD
    Total liabilities and stockholders’ equity3,271,363,000USD———————
    Other assets77,520,000USD———————
    Total current assets460,204,000USD———————
    Prepaid expenses and other current assets82,008,000USD———————
    Total long term liabilities1,127,478,000USD———————
    Other long term liabilities73,999,000USD———————
    Common stock, $0.0001 par value, 900,000 shares authorized, 82,909 and 85,007 shares issued and outstanding as of July 31, 2026 and January 31, 2026, respectively8,000USD———————
    Deferred tax liability92,433,000USD———————
    Accumulated other comprehensive loss-69,052,000USD———————
    Property and equipment, net4,823,000USD———————
    Accrued compensation37,913,000USD———————
    Operating lease liabilities9,970,000USD———————
    Total assets3,271,363,000USD———————
    Total current liabilities153,775,000USD———————
    Total liabilities1,281,253,000USD———————
    Accounts receivable, net of allowance for doubtful accounts of $1,067 and $924 as of July 31, 2026 and January 31, 2026, respectively122,193,000USD———————
    Total stockholders’ equity1,990,110,000USD———————
    Cash and cash equivalents256,003,000USD———————
    Operating lease liabilities, non current29,984,000USD———————
    Goodwill1,648,145,000USD———————
    Accounts payable8,592,000USD———————
    Operating lease right of use assets32,874,000USD———————
    Additional paid in capital1,896,571,000USD———————
    Long term debt, net of issuance costs931,062,000USD———————
    Intangible assets, net1,047,797,000USD———————
    Accumulated earnings162,583,000USD———————
    Accrued liabilities97,300,000USD———————
    Total Assets—3,306,186,000USD3,432,042,000USD3,398,061,000USD3,416,678,000USD3,416,273,000USD3,448,550,000USD3,488,347,000USD
    Intangible Assets—1,073,045,000USD1,097,172,000USD1,124,768,000USD1,152,456,000USD1,179,430,000USD1,204,658,000USD1,228,476,000USD
    Other Current Assets—79,156,000USD69,658,000USD78,206,000USD77,207,000USD68,646,000USD63,795,000USD66,371,000USD
    Total Liab—1,123,051,000USD1,324,846,000USD1,264,035,000USD1,270,257,000USD1,292,467,000USD1,333,639,000USD1,363,660,000USD
    Total Stockholder Equity—2,047,395,000USD2,107,196,000USD2,134,026,000USD2,146,421,000USD2,123,806,000USD2,114,911,000USD2,124,687,000USD
    Other Current Liab—111,605,000USD134,780,000USD91,148,000USD97,025,000USD92,877,000USD131,961,000USD124,291,000USD
    Common Stock—8,000USD8,000USD9,000USD9,000USD9,000USD9,000USD9,000USD
    Capital Stock—8,000USD8,000USD9,000USD9,000USD9,000USD9,000USD9,000USD
    Retained Earnings—177,204,000USD195,906,000USD207,936,000USD226,897,000USD218,353,000USD209,274,000USD231,590,000USD
    Good Will—1,648,145,000USD1,648,145,000USD1,648,145,000USD1,648,145,000USD1,648,145,000USD1,648,145,000USD1,648,145,000USD
    Cash—265,369,000USD318,927,000USD309,259,000USD304,461,000USD287,894,000USD295,948,000USD322,163,000USD
    Cash And Short Term Investments—265,369,000USD318,927,000USD309,259,000USD304,461,000USD287,894,000USD295,948,000USD322,163,000USD
    Total Current Assets—466,528,000USD512,281,000USD498,708,000USD492,832,000USD472,796,000USD477,749,000USD495,246,000USD
    Total Current Liabilities—135,740,000USD156,850,000USD120,628,000USD116,575,000USD116,342,000USD156,323,000USD154,539,000USD
    Net Debt—-223,343,000USD682,553,000USD719,005,000USD750,563,000USD818,864,000USD812,573,000USD778,772,000USD
    Short Term Debt—9,916,000USD9,911,000USD9,931,000USD9,950,000USD9,969,000USD10,001,000USD19,896,000USD
    Short Long Term Debt Total—42,026,000USD1,001,480,000USD1,028,264,000USD1,055,024,000USD1,106,758,000USD1,108,521,000USD54,150,000USD
    Long Term Debt—942,656,000USD957,379,000USD982,105,000USD1,006,834,000USD1,056,566,000USD1,056,301,000USD1,081,039,000USD
    Net Receivables—122,003,000USD123,696,000USD111,243,000USD111,164,000USD116,256,000USD118,006,000USD106,712,000USD
    Accounts Payable—14,219,000USD12,159,000USD19,549,000USD9,600,000USD13,496,000USD14,361,000USD10,352,000USD
    Property Plant Equipment Net—38,378,000USD39,487,000USD41,435,000USD42,844,000USD44,619,000USD46,424,000USD48,735,000USD
    Property Plant Equipment Gross—76,097,000USD76,805,000USD78,416,000USD79,397,000USD80,933,000USD83,077,000USD88,352,000USD
    Accumulated Other Comprehensive Income—-31,752,000USD-5,707,000USD8,837,000USD203,000USD———
    Common Stock Shares Outstanding—85,006,000shares87,473,000shares86,970,000shares87,746,000shares88,415,000shares88,614,000shares88,634,000shares
    Non Current Assets Total—2,839,658,000USD2,919,761,000USD2,899,353,000USD2,923,846,000USD2,943,477,000USD2,970,801,000USD2,993,101,000USD
    Non Current Liabilities Total—987,311,000USD1,167,996,000USD1,143,407,000USD1,153,682,000USD1,176,125,000USD1,177,316,000USD1,054,582,000USD
    Non Current Liabilities Other—52,932,000USD31,007,000USD23,501,000USD21,993,000USD22,178,000USD22,962,000USD25,275,000USD
    Non Currrent Assets Other—80,090,000USD131,672,000USD85,005,000USD79,320,000USD71,283,000USD71,574,000USD67,745,000USD
    Net Working Capital—330,788,000USD355,431,000USD378,080,000USD376,257,000USD356,454,000USD321,426,000USD340,707,000USD
    Unclassified Equity—1,901,927,000USD1,916,981,000USD1,917,235,000USD1,919,303,000USD1,905,435,000USD1,905,619,000USD1,893,079,000USD
    Unclassified Non Current Liabilities——179,610,000USD137,801,000USD124,855,000USD97,381,000USD98,053,000USD-51,732,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-01-31 · USDFY 20252025-01-31 · USDFY 20242024-01-31 · USDFY 20232023-01-31 · USDFY 20222022-01-31 · USDFY 20212021-01-31 · USDFY 20202020-01-31 · USDFY 20192019-01-31 · USD
    Total Assets3,432,042,000USD3,448,550,000USD3,163,790,000USD3,088,900,000USD3,107,102,000USD2,710,407,000USD2,564,981,000USD510,016,000USD
    Intangible Assets1,097,172,000USD1,204,658,000USD835,948,000USD936,359,000USD973,137,000USD767,003,000USD783,279,000USD79,666,000USD
    Other Current Assets69,658,000USD63,795,000USD48,564,000USD31,792,000USD38,495,000USD58,607,000USD34,711,000USD7,534,000USD
    Total Liab1,324,846,000USD1,333,639,000USD1,128,769,000USD1,193,260,000USD1,254,527,000USD1,331,679,000USD1,534,686,000USD32,937,000USD
    Total Stockholder Equity2,107,196,000USD2,114,911,000USD2,035,021,000USD1,895,640,000USD1,852,575,000USD1,378,728,000USD1,030,295,000USD477,079,000USD
    Other Current Liab134,780,000USD131,961,000USD95,646,000USD89,503,000USD104,725,000USD126,550,000USD96,493,000USD25,533,000USD
    Common Stock8,000USD9,000USD9,000USD8,000USD8,000USD8,000USD7,000USD6,000USD
    Capital Stock8,000USD9,000USD9,000USD8,000USD8,000USD8,000USD7,000USD6,000USD
    Retained Earnings195,906,000USD209,274,000USD205,628,000USD149,916,000USD176,059,000USD220,348,000USD211,514,000USD171,850,000USD
    Good Will1,648,145,000USD1,648,145,000USD1,648,145,000USD1,648,145,000USD1,645,836,000USD1,327,193,000USD1,332,631,000USD4,651,000USD
    Cash318,927,000USD295,948,000USD403,979,000USD254,266,000USD225,414,000USD328,803,000USD191,726,000USD361,475,000USD
    Cash And Short Term Investments318,927,000USD295,948,000USD403,979,000USD254,266,000USD225,414,000USD328,803,000USD191,726,000USD361,475,000USD
    Total Current Assets512,281,000USD477,749,000USD557,436,000USD382,893,000USD351,337,000USD460,177,000USD297,300,000USD394,677,000USD
    Total Current Liabilities156,850,000USD156,323,000USD117,091,000USD131,061,000USD153,187,000USD204,701,000USD151,937,000USD29,053,000USD
    Net Debt682,553,000USD812,573,000USD529,163,000USD740,219,000USD782,816,000USD746,175,000USD1,109,370,000USD-361,475,000USD
    Short Term Debt9,911,000USD10,001,000USD9,404,000USD27,659,000USD20,921,000USD76,537,000USD51,464,000USD—
    Short Long Term Debt Total1,001,480,000USD1,108,521,000USD933,142,000USD994,485,000USD1,008,230,000USD1,074,978,000USD1,301,096,000USD—
    Long Term Debt957,379,000USD1,056,301,000USD874,972,000USD907,838,000USD922,077,000USD924,217,000USD1,181,615,000USD—
    Net Receivables123,696,000USD118,006,000USD104,893,000USD96,835,000USD87,428,000USD72,767,000USD70,863,000USD25,668,000USD
    Accounts Payable12,159,000USD14,361,000USD12,041,000USD13,899,000USD27,541,000USD1,614,000USD3,980,000USD3,520,000USD
    Property Plant Equipment Net39,487,000USD46,424,000USD54,393,000USD69,323,000USD86,985,000USD118,614,000USD116,664,000USD8,223,000USD
    Property Plant Equipment Gross76,805,000USD83,077,000USD95,411,000USD69,323,000USD86,985,000USD118,614,000USD116,664,000USD8,223,000USD
    Accumulated Other Comprehensive Income-5,707,000USD—0USD0USD0USD0USD-15,757,000USD0USD
    Common Stock Shares Outstanding87,473,000shares88,828,000shares86,957,000shares84,442,000shares83,133,000shares75,679,000shares68,453,000shares63,370,000shares
    Non Current Assets Total2,919,761,000USD2,970,801,000USD2,606,354,000USD2,706,007,000USD2,755,765,000USD2,250,230,000USD2,267,681,000USD115,339,000USD
    Non Current Liabilities Total1,167,996,000USD1,177,316,000USD1,011,678,000USD1,062,199,000USD1,101,340,000USD1,126,978,000USD1,382,749,000USD3,884,000USD
    Non Current Liabilities Other31,007,000USD22,962,000USD19,270,000USD12,708,000USD14,185,000USD8,808,000USD1,382,749,000USD3,884,000USD
    Non Currrent Assets Other131,672,000USD71,574,000USD67,868,000USD52,180,000USD49,807,000USD37,420,000USD35,089,000USD21,122,000USD
    Net Working Capital355,431,000USD321,426,000USD440,345,000USD251,832,000USD198,150,000USD255,476,000USD145,363,000USD365,624,000USD
    Unclassified Non Current Liabilities179,610,000USD98,053,000USD117,436,000USD46,280,000USD46,647,000USD60,416,000USD-1,321,132,000USD-3,884,000USD
    Unclassified Equity1,916,981,000USD1,905,619,000USD1,829,375,000USD1,745,708,000USD1,676,500,000USD1,158,364,000USD834,524,000USD305,217,000USD
    Other Assets——1USD52,180,000USD49,807,000USD37,420,000USD35,107,000USD22,799,000USD
    Current Deferred Revenue——-5,834,000USD—————
    Other Liab———95,373,000USD114,031,000USD128,537,000USD133,117,000USD3,884,000USD
    Short Long Term Debt———17,500,000USD8,750,000USD62,500,000USD39,063,000USD—
    Inventory———1USD———1USD
    Net Tangible Assets———-688,864,000USD-766,398,000USD-715,068,000USD-1,085,615,000USD392,762,000USD
    Unclassified Non Current Assets———-52,180,000USD-49,807,000USD-37,420,000USD-35,089,000USD-21,822,000USD
    Unclassified Current Liabilities———-17,500,000USD-8,750,000USD-62,500,000USD-39,063,000USD—
    Deferred Long Term Liab————4,400,000USD5,000,000USD6,400,000USD—
    Long Term Investments———————700,000USD
    Short Term Investments———————361,475,000USD
    Unclassified Current Assets———————-361,475,001USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20272026-07-31 · USD
    Stock based compensation41,616,000USD
    Deferred taxes19,321,000USD
    Accrued compensation-21,095,000USD
    Accounts receivable, net-1,503,000USD
    Net cash used in investing activities-39,819,000USD
    Settlement of derivatives, net-7,759,000USD
    Accounts payable, accrued liabilities, and other current liabilities-13,595,000USD
    Purchases of property and equipment-1,340,000USD
    Amortization of debt discount and issuance costs558,000USD
    Net cash provided by operating activities233,685,000USD
    Operating lease right of use assets-3,436,000USD
    Net income135,062,000USD
    Increase (decrease) in cash and cash equivalents-62,924,000USD
    Prepaid expenses and other current and non current assets-12,581,000USD
    Principal payments on long term debt-26,875,000USD
    Amortization of gains on derivatives-168,000USD
    Depreciation and amortization80,169,000USD
    Net cash used in financing activities-256,790,000USD
    Ending cash and cash equivalents256,003,000USD
    Repurchases of common stock-231,054,000USD
    Other long term liabilities3,665,000USD
    Settlement of client held funds obligation, net-480,000USD
    Proceeds from exercise of common stock options659,000USD
    Capitalized software development costs-30,720,000USD
    Operating lease liabilities, non current-4,206,000USD
    SourceDisclosureVerified

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20272026-07-31 · USDQ1 20272026-04-30 · USDQ4 20262026-01-31 · USDQ3 20262025-10-31 · USDQ2 20262025-07-31 · USDQ1 20262025-04-30 · USDQ4 20252025-01-31 · USDQ3 20252024-10-31 · USD
    Net Income65,644,000USD69,418,000USD49,740,000USD51,692,000USD59,854,000USD53,915,000USD26,365,000USD5,703,000USD
    Depreciation—38,214,000USD38,682,000USD38,780,000USD38,454,000USD38,741,000USD39,182,000USD40,721,000USD
    Stock Based Compensation—19,406,000USD19,117,000USD20,542,000USD19,068,000USD14,336,000USD21,708,000USD21,123,000USD
    Other Non Cash Items—-39,618,000USD258,000USD271,000USD268,000USD265,000USD262,000USD1,953,000USD
    Change To Account Receivables—1,693,000USD-12,453,000USD-79,000USD5,092,000USD1,750,000USD-11,294,000USD1,742,000USD
    Change In Working Capital—-39,699,000USD13,122,000USD15,267,000USD-11,165,000USD-43,843,000USD-8,998,000USD25,911,000USD
    Total Cash From Operating Activities—97,526,000USD117,915,000USD138,575,000USD135,866,000USD64,738,000USD75,748,000USD90,550,000USD
    Capital Expenditures—-362,000USD-16,383,000USD-784,000USD15,284,000USD-16,143,000USD-13,557,000USD-12,865,000USD
    Free Cash Flow—97,164,000USD101,532,000USD137,791,000USD151,150,000USD48,595,000USD62,191,000USD77,685,000USD
    Investments—2,388,000USD——-11,180,000USD-16,143,000USD-13,557,000USD-12,865,000USD
    Total Cashflows From Investing Activities—-13,904,000USD-8,436,000USD-11,381,000USD-11,180,000USD-16,143,000USD-13,557,000USD-12,865,000USD
    Net Borrowings—-15,000,000USD-25,000,000USD-25,000,000USD-50,000,000USD0USD-25,000,000USD-25,000,000USD
    Total Cash From Financing Activities—-137,180,000USD-99,811,000USD-122,396,000USD-108,119,000USD-56,649,000USD-88,406,000USD-82,415,000USD
    Sale Purchase Of Stock—-123,314,000USD-81,020,000USD-92,424,000USD-66,745,000USD-59,065,000USD-62,980,000USD-58,513,000USD
    Change In Cash—-53,558,000USD9,668,000USD4,798,000USD16,567,000USD-8,054,000USD-26,215,000USD-4,730,000USD
    Begin Period Cash Flow—318,927,000USD309,259,000USD304,461,000USD287,894,000USD295,948,000USD322,163,000USD326,893,000USD
    End Period Cash Flow—265,369,000USD318,927,000USD309,259,000USD304,461,000USD287,894,000USD295,948,000USD322,163,000USD
    Other Cashflows From Investing Activities—-13,542,000USD-8,110,000USD-10,597,000USD-10,407,000USD-16,057,000USD-13,229,000USD-12,571,000USD
    Other Cashflows From Financing Activities—-137,180,000USD246,000USD25,000USD-855,000USD1,451,000USD-4,808,000USD4,016,000USD
    Unclassified Operating Cash Flow—49,805,000USD-3,004,000USD12,023,000USD29,387,000USD1,324,000USD-2,771,000USD-4,861,000USD
    Unclassified Investing Cash Flow—-2,388,000USD16,057,000USD—-4,877,000USD32,200,000USD26,786,000USD25,436,000USD
    Unclassified Financing Cash Flow—138,314,000USD5,963,000USD-4,997,000USD9,481,000USD—4,382,000USD-2,918,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-01-31 · USDFY 20252025-01-31 · USDFY 20242024-01-31 · USDFY 20232023-01-31 · USDFY 20222022-01-31 · USDFY 20212021-01-31 · USDFY 20202020-01-31 · USDFY 20192019-01-31 · USD
    Net Income215,201,000USD96,703,000USD55,712,000USD-26,143,000USD-44,289,000USD8,834,000USD39,664,000USD73,899,000USD
    Depreciation154,657,000USD162,451,000USD153,078,000USD161,201,000USD137,188,000USD115,904,000USD55,352,000USD18,185,000USD
    Stock Based Compensation73,063,000USD96,425,000USD77,151,000USD62,614,000USD52,750,000USD42,863,000USD39,844,000USD21,057,000USD
    Other Non Cash Items1,062,000USD3,643,000USD4,009,000USD3,529,000USD17,151,000USD6,855,000USD-23,151,000USD1,173,000USD
    Change To Account Receivables-5,690,000USD-13,113,000USD-8,058,000USD-9,570,000USD-11,204,000USD-413,000USD-6,127,000USD-4,306,000USD
    Change In Working Capital-26,619,000USD-6,530,000USD-33,129,000USD-33,370,000USD1,625,000USD12,295,000USD-9,517,000USD-1,300,000USD
    Total Cash From Operating Activities457,094,000USD339,856,000USD242,826,000USD150,650,000USD140,995,000USD181,619,000USD105,857,000USD113,422,000USD
    Capital Expenditures-1,969,000USD-2,084,000USD-46,074,000USD-119,127,000USD-137,081,000USD-96,964,000USD-42,074,000USD-15,042,000USD
    Free Cash Flow455,125,000USD337,772,000USD196,752,000USD31,523,000USD3,914,000USD84,655,000USD63,783,000USD98,380,000USD
    Investments1,637,000USD-505,454,000USD-46,074,000USD-119,127,000USD2,367,000USD-96,964,000USD-53,845,000USD40,694,000USD
    Total Cashflows From Investing Activities-47,140,000USD-505,454,000USD-46,074,000USD-119,127,000USD-639,247,000USD-96,964,000USD-1,743,344,000USD25,652,000USD
    Net Borrowings-100,000,000USD175,000,000USD-54,375,000USD-8,750,000USD-53,125,000USD-239,063,000USD1,211,683,000USD1,242,187,000USD
    Total Cash From Financing Activities-386,975,000USD57,567,000USD-47,039,000USD-2,671,000USD394,863,000USD52,422,000USD1,467,738,000USD22,929,000USD
    Sale Purchase Of Stock-299,254,000USD-121,493,000USD0USD0USD—295,347,000USD469,842,000USD22,929,000USD
    Change In Cash22,979,000USD-108,031,000USD149,713,000USD28,852,000USD-103,389,000USD137,077,000USD-169,749,000USD162,003,000USD
    Begin Period Cash Flow295,948,000USD403,979,000USD254,266,000USD225,414,000USD328,803,000USD191,726,000USD361,475,000USD199,472,000USD
    End Period Cash Flow318,927,000USD295,948,000USD403,979,000USD254,266,000USD225,414,000USD328,803,000USD191,726,000USD361,475,000USD
    Other Cashflows From Investing Activities-45,171,000USD-503,370,000USD-44,380,000USD-115,756,000USD-128,173,000USD-83,871,000USD-34,788,000USD-11,173,000USD
    Other Cashflows From Financing Activities867,000USD-1,620,000USD865,000USD-603,000USD-6,486,000USD-3,862,000USD-244,291,000USD22,929,000USD
    Unclassified Operating Cash Flow39,730,000USD-12,836,000USD-13,995,000USD-17,181,000USD-23,430,000USD-5,132,000USD3,665,000USD—
    Unclassified Investing Cash Flow-1,637,000USD505,454,000USD90,454,000USD234,883,000USD-376,360,000USD180,835,000USD-1,612,637,000USD11,173,000USD
    Unclassified Financing Cash Flow11,412,000USD5,680,000USD6,471,000USD6,682,000USD——30,504,000USD-1,265,116,000USD
    Change To Inventory——1USD——-30,422,000USD-4,101,000USD-2,289,000USD
    Issuance Of Capital Stock——0USD-2,000USD456,640,000USD286,779,000USD458,495,000USD—
    Change To Liabilities———-26,673,000USD-2,178,000USD30,422,000USD6,470,000USD8,326,000USD
    Cash And Cash Equivalents Changes—————137,077,000USD-169,749,000USD162,003,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q1 2027Quarterly · 2026-04-30ProductCredit And Debit Card57,375,000USD0001428336-26-000028
    Q1 2027Quarterly · 2026-04-30ProductFinancial Service Other174,334,000USD0001428336-26-000028
    Q1 2027Quarterly · 2026-04-30ProductServices122,932,000USD0001428336-26-000028
    Q4 2026Quarterly · 2026-01-31ProductCredit And Debit Card46,105,000USDLegacy provider
    Q4 2026Quarterly · 2026-01-31ProductFinancial Service Other161,402,000USDLegacy provider
    Q4 2026Quarterly · 2026-01-31ProductServices127,079,000USDLegacy provider
    FY 2026Yearly · 2026-01-31ProductCredit And Debit Card191,607,000USD0001428336-26-000010
    FY 2026Yearly · 2026-01-31ProductFinancial Service Other636,800,000USD0001428336-26-000010
    FY 2026Yearly · 2026-01-31ProductServices485,022,000USD0001428336-26-000010
    Q3 2026Quarterly · 2025-10-31ProductCredit And Debit Card42,811,000USD0001428336-25-000036
    Q3 2026Quarterly · 2025-10-31ProductFinancial Service Other159,067,000USD0001428336-25-000036
    Q3 2026Quarterly · 2025-10-31ProductServices120,286,000USD0001428336-25-000036
    Q2 2026Quarterly · 2025-07-31ProductCredit And Debit Card48,086,000USD0001428336-25-000029
    Q2 2026Quarterly · 2025-07-31ProductFinancial Service Other159,876,000USD0001428336-25-000029
    Q2 2026Quarterly · 2025-07-31ProductServices117,873,000USD0001428336-25-000029
    Q1 2026Quarterly · 2025-04-30ProductCredit And Debit Card54,605,000USD0001428336-26-000028
    Q1 2026Quarterly · 2025-04-30ProductFinancial Service Other156,455,000USD0001428336-26-000028
    Q1 2026Quarterly · 2025-04-30ProductServices119,784,000USD0001428336-26-000028
    Q4 2025Quarterly · 2025-01-31ProductCredit And Debit Card43,475,000USDLegacy provider
    Q4 2025Quarterly · 2025-01-31ProductFinancial Service Other144,133,000USDLegacy provider
    Q4 2025Quarterly · 2025-01-31ProductServices124,209,000USDLegacy provider
    FY 2025Yearly · 2025-01-31ProductCredit And Debit Card176,043,000USD0001428336-26-000010
    FY 2025Yearly · 2025-01-31ProductFinancial Service Other545,414,000USD0001428336-26-000010
    FY 2025Yearly · 2025-01-31ProductServices478,317,000USD0001428336-26-000010
    Q3 2025Quarterly · 2024-10-31ProductCredit And Debit Card40,305,000USD0001428336-25-000036
    Q3 2025Quarterly · 2024-10-31ProductFinancial Service Other140,953,000USD0001428336-25-000036
    Q3 2025Quarterly · 2024-10-31ProductServices119,174,000USD0001428336-25-000036
    Q2 2025Quarterly · 2024-07-31ProductCredit And Debit Card44,524,000USD0001428336-25-000029
    Q2 2025Quarterly · 2024-07-31ProductFinancial Service Other138,684,000USD0001428336-25-000029
    Q2 2025Quarterly · 2024-07-31ProductServices116,720,000USD0001428336-25-000029
    FY 2024Yearly · 2024-01-31ProductCredit And Debit Card157,303,000USD0001428336-26-000010
    FY 2024Yearly · 2024-01-31ProductFinancial Service Other386,594,000USD0001428336-26-000010
    FY 2024Yearly · 2024-01-31ProductServices455,690,000USD0001428336-26-000010
    FY 2023Yearly · 2023-01-31ProductCredit And Debit Card148,440,000USD0001428336-25-000009
    FY 2023Yearly · 2023-01-31ProductFinancial Service Other261,282,000USD0001428336-25-000009
    FY 2023Yearly · 2023-01-31ProductServices452,026,000USD0001428336-25-000009
    FY 2022Yearly · 2022-01-31ProductCredit And Debit Card126,829,000USD0001428336-24-000016
    FY 2022Yearly · 2022-01-31ProductFinancial Service Other186,119,000USD0001428336-24-000016
    FY 2022Yearly · 2022-01-31ProductServices443,608,000USD0001428336-24-000016
    FY 2021Yearly · 2021-01-31ProductCredit And Debit Card111,671,000USD0001428336-23-000014
    FY 2021Yearly · 2021-01-31ProductFinancial Service Other190,933,000USD0001428336-23-000014
    FY 2021Yearly · 2021-01-31ProductServices430,966,000USD0001428336-23-000014
    FY 2020Yearly · 2020-01-31ProductCredit And Debit Card87,233,000USD0001428336-22-000009
    FY 2020Yearly · 2020-01-31ProductFinancial Service Other181,892,000USD0001428336-22-000009
    FY 2020Yearly · 2020-01-31ProductServices262,868,000USD0001428336-22-000009
    FY 2019Yearly · 2019-01-31ProductCredit And Debit Card60,501,000USD0001428336-21-000011
    FY 2019Yearly · 2019-01-31ProductFinancial Service Other126,178,000USD0001428336-21-000011
    FY 2019Yearly · 2019-01-31ProductServices100,564,000USD0001428336-21-000011

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.