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HEALTHEQUITY, INC.

For the period ended Jul 31, 2026. Filed Aug 27, 2026.

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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.

Jul 31, 2026 · Filed Aug 27, 2026

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

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Item 1A. Risk factors

The risks described in “Risk factors” in our Annual Report on Form 10-K for the fiscal year ended January 31, 2026 and subsequent periodic reports could materially and adversely affect our business, financial condition and results of operations. There have been no material changes in such risks. These risk factors do not identify all risks that we face, and our operations could also be affected by factors that are not presently known to us or that we currently consider to be immaterial to our operations.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.