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Jan 31, 2023

HealthEquity Q4 2023 Earnings Report

HealthEquity reported Q4 2023 financial results, with record revenue and adjusted EBITDA.

Key Takeaways

HealthEquity reported a 15% increase in revenue to $233.8 million for the fourth quarter ended January 31, 2023. The company's net loss was $0.2 million, with non-GAAP net income of $31.3 million, or $0.37 per diluted share. Adjusted EBITDA increased by 46% to $73.6 million.

Revenue increased by 15% compared to Q4 FY22, reaching $233.8 million.

Net loss was $0.2 million, a significant improvement from the $32.8 million loss in Q4 FY22.

Non-GAAP net income was $31.3 million, compared to $17.0 million in Q4 FY22.

Adjusted EBITDA grew by 46% to $73.6 million compared to the prior year.

Total Revenue
$234M
Previous year: $203M
+15.0%
EPS
$0.37
Previous year: $0.2
+85.0%
Total HSAs
7.98M
Previous year: 7.21M
+10.8%
HSAs with investments
541K
Previous year: 455K
+18.9%
Total CDBs
6.93M
Previous year: 7.19M
-3.6%

HealthEquity

HealthEquity

HealthEquity Revenue by Segment

Forward Guidance

For the fiscal year ending January 31, 2024, management expects revenues of $960 million to $975 million. Its outlook for net income is between $0 and $11 million, resulting in net income of $0.00 to $0.13 per diluted share. Its outlook for non-GAAP net income is between $152 million and $163 million, resulting in non-GAAP net income per diluted share of $1.74 to $1.87. Management expects Adjusted EBITDA of $320 million to $335 million.

Positive Outlook

  • Revenue is expected to be between $960 million and $975 million.
  • Net income is projected to be between $0 and $11 million.
  • Non-GAAP net income is anticipated to be between $152 million and $163 million.
  • Non-GAAP net income per diluted share is expected to be $1.74 to $1.87.
  • Adjusted EBITDA is projected to be $320 million to $335 million.