HealthEquity Inc. (HQY) exhibits 69.5% gross margins and 9.3% return on invested capital within Consumer Discretionary (Business Services), balanced against a 27.8x enterprise multiple and 4.8% implied options volatility.
Sustained 69.5% gross profitability converts into 24.6% operating margin and 9.3% ROIC, outpacing sector cost of capital.
ROIC: 9.3% // GM: 69.5%YoY revenue trajectory of +9.5% paired with 5.43% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +9.5% // FCF YLD: 5.43%Altman Z-Score of 4.86 and Piotroski F-Score of 9/9 indicate low near-term refinancing stress.
ALTMAN Z: 4.86 // F-SCORE: 9/9Trading at 39.0x trailing P/E (36.3x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 39.0x // EV/EBITDA: 27.8xOptions market prices a ±5.2% implied move with a 0.85 put/call ratio around $102.47 max pain.
IMPL MOVE: ±5.2% // P/C: 0.85Elevated industry capital intensity and customer concentration in Business Services require continuous execution to defend 16.4% net margins.
NET MARGIN: 16.4% // D/E: 0.45x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
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