Discounted Cash Flow
Healthequity, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $178.4m | $26.4m | $41.9m | 14.8% | $0.45 |
| 2018 | $229.5m (28.7%) | $47.4m (79.6%) | $76.2m (81.8%) | 20.6% (39.5%) | $0.79 (75.6%) |
| 2019 | $287.2m (25.1%) | $73.9m (56.0%) | $109.6m (43.7%) | 25.7% (24.7%) | $1.20 (51.9%) |
| 2020 | $532.0m (85.2%) | $39.7m (-46.3%) | $97.7m (-10.8%) | 7.5% (-71.0%) | $0.59 (-50.8%) |
| 2021 | $733.6m (37.9%) | $8.8m (-77.7%) | $8.8m (-91.0%) | 1.2% (-83.8%) | $0.12 (-79.7%) |
| 2022 | $756.6m (3.1%) | $-44.3m (-601.3%) | $132.1m (1395.2%) | -5.9% (-586.1%) | $-0.53 (-541.7%) |
| 2023 | $861.7m (13.9%) | $-26.1m (41.0%) | $147.3m (11.5%) | -3.0% (48.2%) | $-0.31 (41.5%) |
| 2024 | $999.6m (16.0%) | $55.7m (313.1%) | $241.1m (63.7%) | 5.6% (283.7%) | $0.65 (309.7%) |
| 2025 | $1.2b (20.0%) | $96.7m (73.6%) | $337.8m (40.1%) | 8.1% (44.6%) | $1.11 (70.8%) |
| 2026 | $1.3b (9.5%) | $215.2m (122.5%) | $455.1m (34.7%) | 16.4% (103.3%) | $2.50 (125.2%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.