HealthEquity Inc (HQY) — Cash Flow-to-Debt Ratio
HealthEquity Inc (HQY) has a Cash Flow-to-Debt Ratio of 0.09x as of January 2026, meaning its operating cash flow of $117.92 Million could theoretically repay 0% of its total liabilities ($1.32 Billion) in one year. See how financially flexible is HealthEquity Inc to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
HealthEquity Inc Cash Flow-to-Debt Ratio (2013–2026)
Historical debt coverage capacity for HealthEquity Inc across 14 annual periods. For the full cash flow conversion analysis, see HealthEquity Inc operating cash flow efficiency.
Annual Cash Flow-to-Debt Ratio for HealthEquity Inc (2013–2026)
Year-by-year debt coverage analysis for HealthEquity Inc. Check HealthEquity Inc (HQY) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.35x | $457.09 Million | $1.32 Billion | ▲ +35.4% |
| 2025 | 0.25x | $339.86 Million | $1.33 Billion | ▲ +18.5% |
| 2024 | 0.22x | $242.83 Million | $1.13 Billion | ▲ +70.4% |
| 2023 | 0.13x | $150.65 Million | $1.19 Billion | ▲ +12.3% |
| 2022 | 0.11x | $141.00 Million | $1.25 Billion | ▼ -17.6% |
| 2021 | 0.14x | $181.62 Million | $1.33 Billion | ▲ +97.7% |
| 2020 | 0.07x | $105.86 Million | $1.53 Billion | ▼ -98.0% |
| 2019 | 3.44x | $113.42 Million | $32.94 Million | ▼ -3.5% |
| 2018 | 3.57x | $81.70 Million | $22.89 Million | ▲ +34.7% |
| 2017 | 2.65x | $45.59 Million | $17.20 Million | ▲ +63.2% |
| 2016 | 1.62x | $26.54 Million | $16.34 Million | ▲ +58.4% |
| 2015 | 1.03x | $15.05 Million | $14.67 Million | ▲ +20.0% |
| 2014 | 0.85x | $18.02 Million | $21.08 Million | ▼ -39.7% |
| 2013 | 1.42x | $11.77 Million | $8.30 Million | — |