HealthEquity (NASDAQ: HQY) issues FY2027 outlook, reaffirms FY2026 view

Rhea-AI Filing Summary

HealthEquity, Inc. filed a current report to let investors know it has issued a press release with its initial outlook for the fiscal year ending January 31, 2027 and reaffirmed its previously provided guidance for the fiscal year ending January 31, 2026. The outlook and guidance details are contained in the press release attached as Exhibit 99.1.

The company plans to discuss these estimates during a presentation at the 44rd Annual J.P. Morgan Healthcare Conference on January 13, 2026 at 3:00 PM Pacific Time. An audio webcast of the presentation and the related conference materials will be available through the investor section of its website at ir.healthequity.com. The press release is being furnished to regulators, not filed, which means it is not automatically incorporated into other securities law filings.

0001428336false00014283362026-01-122026-01-12

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported)

January 12, 2026

HEALTHEQUITY, INC.

Delaware

001-36568

52-2383166

(State or other jurisdiction of incorporation or organization)

(Commission File Number)

(I.R.S. Employer Identification Number)

15 West Scenic Pointe Drive

Suite 100

Draper, Utah 84020

(801) 727-1000

(Address, including Zip Code, and Telephone Number, including Area Code, of Registrant’s Principal Executive Offices)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, par value $0.0001 per share			HQY			The NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2). 

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01    Regulation FD Disclosure

On January 12, 2026, HealthEquity, Inc. (the "Company") issued a press release, attached as Exhibit 99.1 to this current report on Form 8-K, announcing its initial outlook for its fiscal year ending January 31, 2027 and reaffirming its previously provided guidance for its fiscal year ending January 31, 2026. The Company will discuss these estimates during its presentation at the 44rd Annual J.P. Morgan Healthcare Conference on January 13, 2026, at 3:00 PM Pacific Time. An audio webcast of the presentation along with a copy of the Company's presentation material from the conference will be available through the investor page at the Company website: ir.healthequity.com.

The information in Exhibit 99.1 is being furnished to the Securities and Exchange Commission and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing.

Item 9.01    Financial Statements and Exhibits

(d) Exhibits

Exhibit No.			Description
99.1			Press release issued by HealthEquity, Inc. dated January 12, 2026
104			Cover Page Interactive Data File (formatted in Inline XBRL)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			HEALTHEQUITY, INC.
Date: January 12, 2026			By:						/s/ James Lucania
			Name:						James Lucania
			Title:						Executive Vice President and Chief Financial Officer

FAQ

What did HealthEquity (HQY) disclose in this 8-K filing?

HealthEquity, Inc. disclosed that it issued a press release providing its initial outlook for the fiscal year ending January 31, 2027 and reaffirming its previously provided guidance for the fiscal year ending January 31, 2026. The press release is attached as Exhibit 99.1.

Which fiscal years are covered by HealthEquity's latest outlook and guidance?

The company announced an initial outlook for its fiscal year ending January 31, 2027 and reaffirmed guidance for its fiscal year ending January 31, 2026, as described in the attached press release.

How will HealthEquity (HQY) present its guidance to investors?

HealthEquity will discuss its estimates during a presentation at the 44rd Annual J.P. Morgan Healthcare Conference on January 13, 2026, at 3:00 PM Pacific Time, and will provide an audio webcast and presentation materials via its investor website.

Where can investors access HealthEquity's conference presentation and materials?

An audio webcast of the J.P. Morgan Healthcare Conference presentation and a copy of HealthEquity's conference presentation materials will be available on the investor page of the company's website at ir.healthequity.com.

Is HealthEquity's press release in this 8-K considered filed with the SEC?

No. The information in Exhibit 99.1 is being furnished to the SEC and is not deemed "filed" for purposes of Section 18 of the Exchange Act, nor is it automatically incorporated by reference into other securities law filings.

Who signed the HealthEquity (HQY) 8-K related to the outlook and guidance?

The report was signed on behalf of HealthEquity, Inc. by James Lucania, who serves as Executive Vice President and Chief Financial Officer.