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HEALTHEQUITY, INC.

For the period ended Oct 31, 2025. Filed Dec 3, 2025.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Oct 31, 2025 · Filed Dec 3, 2025

HQY$102.11-1.5%Stored close · as of Nov 9, 2026

What changed in Risk Factors?

Read the current filing

Previous report: 10-Q

Period ended 2025-07-31; filed 2025-09-02.

0001428336-25-000029

Item 1A. Risk factors

Current report: 10-Q

Period ended 2025-10-31; filed 2025-12-03.

0001428336-25-000036

Item 1A. Risk factors

The baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.

Compared 7 previous paragraphs and 6 current paragraphs.

5 unchanged; 1 reworded; 0 added; 1 removed; 0 previous and 0 current paragraphs rearranged.

Tables are not compared: 1 previous and 1 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.

A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.

Removed paragraphs (1)

Previous report

(3)In June 2025, our board of directors approved a new stock repurchase program that authorized the repurchase of up to an additional $300 million of our common stock as market conditions warrant.
Reworded paragraphs (1)

Previous wording

(1)Repurchases may be effected through open market purchases, privately negotiated transactions or otherwise, including through Rule 10b5-1 plans. See Note 9—Stockholders' equity for additional information related to our stock repurchase programs.

Current wording

(1)Repurchases may be effected through open market purchases, privately negotiated transactions or otherwise, including through Rule 10b5-1 plans. See Note 9—Stockholders' equity for additional information related to our stock repurchase program.