Financial insights of HQY

MyFinsight

Income Statement	2026-04-30	2026-01-31	2025-10-31	2025-07-31
Total revenue	354,641	334,586	322,164	325,835
Service	78,326	88,457	76,889	75,156
Financial Service Other	11,655	11,058	10,879	11,137
Credit And Debit Card	8,348	6,924	6,333	6,947
Total cost of revenue	98,329	106,439	94,101	93,240
Gross profit	256,312	228,147	228,063	232,595
Sales and marketing	26,833	24,923	24,411	19,922
Technology and development	67,767	70,354	65,916	64,804
General and administrative	31,131	33,527	30,880	29,990
Amortization of acquired intangible assets	26,515	26,948	27,002	27,001
Merger integration	1,113	1,324	1,159	1,266
Total operating expenses	153,359	157,076	149,368	142,983
Income from operations	102,953	71,071	78,695	89,612
Interest expense	12,588	13,269	14,049	14,955
Other income, net	2,048	3,097	2,886	3,391
Total other expense	-10,540	-10,172	-11,163	-11,564
Income before income taxes	92,413	60,899	67,532	78,048
Income tax provision	22,995	11,159	15,840	18,194
Net income	69,418	49,740	51,692	59,854

Basic EPS	0.82	0.583	0.6	0.69
Diluted EPS	0.82	0.573	0.59	0.68
Basic Average Shares	84,413,000	85,328,000	85,995,000	86,550,000
Diluted Average Shares	85,006,000	86,761,000	86,970,000	87,746,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.