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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
HealthEquity
HealthEquity (HQY) investor relations material
HealthEquity 44th Annual J.P. Morgan Healthcare Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.44th Annual J.P. Morgan Healthcare Conference summary13 Jan, 2026
Business strategy and platform evolution
Operates the leading HSA platform in the US with over 17 million accounts and $34.4 billion in assets, leveraging a network of 200+ integrated partners for distribution advantage.
Focused on modernizing the platform into a true platform company, emphasizing disciplined execution, digital transformation, and engagement to create an enduring model.
Engagement is central, with a flywheel model where saving, spending, and investing reinforce each other, driving both member and shareholder value.
Platform enhancements include personalized women's health offerings, a new app with passkey security, and AI-powered claims processing and support.
HSAs are positioned as critical financial infrastructure, with growing relevance as health care costs shift to individuals.
Market trends and growth drivers
The US health care system is shifting more financial responsibility to individuals, increasing demand for scalable, effective tools like HSAs.
Policy changes have expanded HSA eligibility, especially for Bronze and Catastrophic plan holders, telemedicine users, and direct primary care participants.
Early signs show new eligible members are funding accounts, with ongoing efforts to streamline enrollment and drive further adoption.
The marketplace offering is a new growth vector, connecting members to health-related products and services and generating recurring revenue.
Legislative trends and expanded marketplace offerings support future growth.
Financial performance and outlook
Fiscal Q3 2026 revenue grew 7% YoY to $322.2M, with 13% custodial revenue growth and 20% adjusted EBITDA growth.
Fiscal 2026 revenue guidance is $1,302–$1,312M, with adjusted EBITDA of $555–$565M.
Fiscal 2027 outlook projects revenue of $1,380–$1,410M and adjusted EBITDA margin of 43.8–44.3%.
Adjusted EBITDA margin reached 44% and gross margin 71% in Q3 FY26.
Net cash flows from operations were $340M in FY25 and $339M in the first nine months of FY26.
Custodial yield tailwind duration and magnitude
Business impact of GLP-1/HRT platform extension
Leveraging legislative trends for HSA growth
How to capture ACA Bronze plan members?
Quantify AI service automation cost savings
Marketplace partner selection & economic contribution?
Partial view of Summaries dataset, powered by Quartr API
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Next HealthEquity earnings date
Q4 202617 Mar, 2026
HealthEquity
Next HealthEquity earnings date
Q4 202617 Mar, 2026
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Frequently asked questions
HealthEquity Inc acquires and develops technology-enabled services platforms and provides delivery of effective choice-enhancing solutions that improve the health and financial well-being of consumers, while complementing the employer responsibility to provide care options. HealthEquity, Inc. is a leader in technology-enabled services platforms that help individuals take control of their health and well-being. The company was founded in 2002 and is headquartered in Draper, Utah.
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