HealthEquity (HQY) delivered a strong start to fiscal 2027 with a Q1 earnings beat and raise outlook, supported by above-market health savings account growth and meaningful operational leverage, RBC Capital said in a Friday note.
The analysts noted that HSA accounts rose 8% year over year, outpacing broader market growth, with the company reporting its strongest enterprise sales pipeline in years and benefiting from expanded offerings and improved digital engagement.
RBC highlighted meaningful operational leverage driven by AI deployment and service optimization, with service costs declining despite higher account volumes as automation reduced manual workloads and improved efficiency across servicing functions, according to the report.
The investment firm also pointed to potential long-term regulatory tailwinds that could expand the HSA addressable market, though it cautioned that near-term labor market softness could moderate account growth and balance expansion in future periods.
RBC raised its price target on the stock to $108 from $100 while maintaining its outperform rating.
Shares of HealthEquity were down nearly 1% in Friday trading.
Price: $89.72, Change: $-0.80, Percent Change: -0.88%