HQY Revenue Flow Filed revenue amounts for 2026-05-01 to 2026-07-31. Coverage is partial. Unconnected amounts are separate disclosures; they must not be added together.
2026-07-31: Revenue $350.73M ; Cost of revenue $92.78M ; Research and development $73.92M ; Operating expenses $159.26M . 2026-04-30: Revenue $354.64M ; Cost of revenue $98.33M ; Research and development $67.77M ; Operating expenses $153.36M . 2026-01-31: Revenue $334.59M* ; Cost of revenue $106.44M* ; Research and development $70.35M* ; Operating expenses $157.08M* . 2025-10-31: Revenue $322.16M ; Cost of revenue $94.10M ; Research and development $65.92M ; Operating expenses $149.37M . Product or service Separate filed amounts; connecting flows are not established. Components and totals may overlap.
HQY revenue flow Filed amounts. Only explicit calculation relationships connect amounts; dimensional membership alone does not establish an additive flow. Credit And Debit Card $50.35M Financial Service Other $175.94M Service $124.44M Revenue $350.73M Cost of revenue $92.78M Gross profit $257.95M Operating expenses $159.26M Operating income $98.69M Other income, net $1.78M Research & development $73.92M Pre-tax income $87.86M Income tax $22.22M Net income $65.64M
Finer product or service dollar figures and nonoverlapping groupings are shown only where supported by the retained filing evidence. Growth percentages are never converted to revenue dollars.
Historical revenue and expense breakdown Revenue and expense 3 month Period end Revenue Cost of revenue Research and development Operating expenses Income tax Net income 2026-07-31 $350.73M $92.78M $73.92M $159.26M $22.22M $65.64M 2026-04-30 $354.64M $98.33M $67.77M $153.36M $23.00M $69.42M 2026-01-31 $334.59M* $106.44M* $70.35M* $157.08M* $11.16M* $49.74M* 2025-10-31 $322.16M $94.10M $65.92M $149.37M $15.84M $51.69M 2025-07-31 $325.83M $93.24M $64.80M $142.98M $18.19M $59.85M 2025-04-30 $330.84M $106.53M $61.44M $141.23M $17.04M $53.91M 2024-10-31 $300.43M $103.41M $60.19M $177.40M $515.00K $5.70M 2024-07-31 $299.93M $95.88M $58.58M $145.12M $10.79M $35.82M 2024-04-30 $287.60M $100.46M $56.09M $145.51M $4.43M $28.81M 2024-01-31 $262.39M $99.07M (m) $124.43M $3.35M $26.36M 2023-10-31 $249.22M $90.04M $55.61M $128.29M $6.41M $14.67M 2023-07-31 $243.55M $91.88M $54.77M $126.92M $3.64M $10.58M 2023-04-30 $244.43M $95.96M $53.19M $125.29M $5.92M $4.09M 2023-01-31 $233.84M $99.07M (m) $121.56M $217.00K -$209.00K 2022-10-31 $216.09M $88.77M $48.89M $121.78M -$4.54M -$1.64M 2022-07-31 $206.14M $87.89M $46.58M $120.66M -$3.22M -$10.65M 2022-04-30 $205.68M $94.08M $45.18M $118.89M -$4.41M -$13.64M 2022-01-31 $203.30M $97.68M (m) $132.86M -$10.95M -$32.82M 2021-10-31 $179.95M $76.38M $38.07M $103.94M -$4.09M -$5.04M 2021-07-31 $189.10M $76.88M $37.90M $113.10M -$3.97M -$3.82M 2021-04-30 $184.20M $80.85M $35.47M $99.10M -$3.45M -$2.62M 2020-10-31 $179.35M $74.79M $30.76M $93.06M $2.34M $1.79M 2020-07-31 $176.04M $74.25M $30.65M $92.76M -$543.00K -$148.00K 2020-04-30 $190.01M $81.94M $31.08M $93.00M $218.00K $1.83M 2020-01-31 $201.20M $87.52M (m) $99.14M -$417.00K -$190.00K 2019-10-31 $157.12M $61.08M $23.51M $86.11M -$9.92M -$21.33M 2019-07-31 $86.62M $28.18M $11.64M $33.58M $4.37M $19.37M 2019-04-30 $87.05M $29.30M $10.90M $30.07M $9.46M $41.82M 2019-01-31 $75.78M $31.33M (m) $27.86M $3.24M $13.12M 2018-10-31 $70.50M $24.68M $8.68M $26.83M $1.75M $15.69M 2018-07-31 $71.07M $24.49M $8.40M $25.01M -$1.03M $22.52M 2018-04-30 $69.90M $25.55M $7.98M $23.82M -$2.04M $22.58M 2018-01-31 $60.44M $28.79M (m) $23.21M $823.00K $5.91M 2017-10-31 $56.79M $23.06M $6.87M $20.16M $2.69M $10.48M 2017-07-31 $56.88M $21.08M $6.80M $19.31M -$489.00K $16.95M 2017-04-30 $55.42M $21.68M $6.24M $17.81M $1.81M $14.03M 2017-01-31 $46.81M (m) (m) $18.05M $1.96M $4.06M 2016-10-31 $43.36M (m) $6.21M $16.85M $2.78M $6.01M 2016-07-31 $44.19M (m) $4.99M $15.81M $4.47M $8.23M 2016-04-30 $44.01M (m) $4.63M $14.43M $4.54M $8.07M 2016-01-31 $35.89M (m) (m) $14.07M $1.17M $3.13M 2015-10-31 $30.56M (m) $4.42M $11.37M $2.34M $4.09M 2015-07-31 $30.49M (m) $4.00M $11.09M $2.54M $4.42M 2015-04-30 $29.85M (m) $3.52M $9.92M $2.90M $4.98M 2015-01-31 $24.87M (m) (m) $10.49M $551.00K $1.37M 2014-10-31 $21.86M (m) $2.81M $7.94M $1.10M $3.05M 2014-07-31 $20.89M (m) $2.30M $6.70M $2.00M $3.03M 2014-04-30 $20.23M (m) $2.19M $5.97M $1.94M $2.72M 2014-01-31 $17.16M (m) (m) $6.83M $417.00K -$4.72M 2013-10-31 $15.25M (m) $1.80M $4.98M $1.28M $1.98M 2013-07-31 $14.98M (m) $1.66M $4.73M $1.35M $2.22M 2013-04-30 $14.62M (m) (m) $4.73M $1.09M $1.75M
Revenue and expense 6 month Period end Revenue Cost of revenue Research and development Operating expenses Income tax Net income 2026-07-31 $705.37M $191.11M $141.69M $312.62M $45.22M $135.06M 2025-07-31 $656.68M $199.77M $126.24M $284.22M $35.23M $113.77M 2024-07-31 $587.52M $196.34M $114.67M $290.63M $15.22M $64.64M 2023-07-31 $487.98M $187.85M $107.96M $252.21M $9.56M $14.68M 2022-07-31 $411.82M $182.84M $91.76M $238.69M -$7.63M -$24.29M 2021-07-31 $373.31M $158.22M $73.37M $211.71M -$7.42M -$6.43M 2020-07-31 $366.05M $156.19M $61.73M $185.76M -$325.00K $1.68M 2019-07-31 $173.68M $57.48M $22.55M $63.65M $13.83M $61.19M 2018-07-31 $140.97M $50.04M $16.38M $48.83M -$3.07M $45.09M 2017-07-31 $112.30M $42.76M $13.04M $37.12M $1.32M $30.98M 2016-07-31 $88.20M (m) $9.62M $30.25M $9.01M $16.31M 2015-07-31 $60.34M (m) $7.52M $21.01M $5.43M $9.40M 2014-07-31 $41.12M (m) $4.49M $12.67M $3.95M $5.75M 2013-07-31 $29.61M (m) $3.33M $9.46M $2.44M $3.97M
Revenue and expense 9 month Period end Revenue Cost of revenue Research and development Operating expenses Income tax Net income 2025-10-31 $978.84M $293.87M $192.16M $433.58M $51.07M $165.46M 2024-10-31 $887.96M $299.74M $174.86M $468.03M $15.73M $70.34M 2023-10-31 $737.20M $277.88M $163.57M $380.50M $15.97M $29.35M 2022-10-31 $627.91M $272.06M $140.65M $360.00M -$12.17M -$25.93M 2021-10-31 $553.26M $234.85M $111.44M $315.39M -$11.51M -$11.47M 2020-10-31 $545.40M $230.99M $92.49M $278.81M $2.02M $3.47M 2019-10-31 $330.79M $118.56M $46.06M $149.76M $3.91M $39.85M 2018-10-31 $211.47M $74.72M $25.05M $75.66M -$1.32M $60.78M 2017-10-31 $169.09M $65.82M $19.91M $57.29M $4.00M $41.46M 2016-10-31 $131.56M (m) $15.83M $47.09M $11.78M $22.31M 2015-10-31 $90.90M (m) $11.94M $32.38M $7.77M $13.48M 2014-10-31 $62.98M (m) $7.30M $20.61M $5.05M $8.79M 2013-10-31 $44.85M (m) $5.13M $14.45M $3.72M $5.95M
Revenue and expense 12 month Period end Revenue Cost of revenue Research and development Operating expenses Income tax Net income 2026-01-31 $1.31B $400.31M $262.51M $590.66M $62.23M $215.20M 2025-01-31 $1.20B $422.51M $239.51M $614.92M $19.33M $96.70M 2024-01-31 $999.59M $376.95M $218.81M $504.94M $19.33M $55.71M 2023-01-31 $861.75M $369.81M $193.38M $482.88M -$11.95M -$26.14M 2022-01-31 $756.56M $331.79M $157.36M $449.00M -$22.45M -$44.29M 2021-01-31 $733.57M $318.24M $124.81M $381.32M -$4.69M $8.83M 2020-01-31 $531.99M $206.08M $77.58M $248.90M $3.49M $39.66M 2019-01-31 $287.24M $106.05M $35.06M $103.52M $1.92M $73.90M 2018-01-31 $229.53M $94.61M $27.39M $80.50M $4.83M $47.36M 2017-01-31 $178.37M $72.02M $22.38M $65.14M $13.74M $26.38M 2016-01-31 $126.79M (m) $16.83M $46.45M $8.94M $16.61M 2015-01-31 $87.86M (m) $10.50M $31.10M $5.60M $10.17M 2014-01-31 $62.02M (m) $7.14M $21.28M $4.14M $1.23M 2013-01-31 $46.09M (m) $4.23M $17.03M -$4.67M $11.17M