HQYHealthEquity, Inc.Healthcare · Medical - Healthcare Information Servicesas of 2026-09-16
Horizon

Issued 2026-09-16 at $96.00 · now $96.00 (2026-09-16, +0.0% since)

Based on its own history, a month from the 2026-09-16 close, HQY has typically landed between $81.33 and $112.00 — a range of −15.3% to +16.7% from the issuance price $96.00.

Range of outcomes in historically similar periods — not a price prediction. Ranges are scored publicly on /methodology.
  • Actual close
  • Typical path (median)
  • Middle 50% of outcomes
  • 90% range

3,029 overlapping 1 month windows · 2014-07-31 – 2026-08-17 · basis climatology · forecast (batch). Probability up 53.9% (90% CI 51.7–56.1%, ≈1,408 obs).

The cone is anchored at the 2026-09-16 issuance close ($96.00) — the price the forecast resolves against on 2026-10-15, not the latest close. The drawn path shape is illustrative (bands widen with √t); every labeled number is real — the anchor, the scored batch p90/IQR endpoints, and the typical move.

Where HQY has typically landed a month from the 2026-09-16 close of $96 — the range is history, not a prediction.

$81.33worst · -15.3%$112best · +16.7%
  • now $96 (+0.0%)
  • typicalThe typical outcome — half of similar past periods did better and half did worse (not an average, so a few wild periods don't skew it). $97.56 (+1.6%)
  • middle 50%The central range of outcomes — half of similar past periods landed inside it, a quarter finished above, a quarter below. $90.82–$104.31
  • 90% rangeA nine-in-ten range — in about nine of every ten similar past periods the outcome stayed within these bounds. $81.33–$112
Actual 1-month windows behind the coneiEvery overlapping 1-month window in this security's own price history was ranked by realized return; shown are the 3 worst and 3 best of 3,029 windows spanning 2014-07-31 to 2026-09-16. Not cherry-picked — these are the extremes of the full sample. Max drop / max rise are the deepest and highest points reached within each window. See /methodology.
StartReturnMax dropMax rise
3 worst
2020-02-21−52.2%−53.8%+0.0%
2020-02-19−50.4%−53.2%+1.3%
2020-02-20−49.0%−53.3%+1.0%
3 best
2020-10-30+44.5%+0.0%+44.5%
2020-10-29+39.4%+0.0%+43.4%
2020-10-28+39.2%−1.3%+41.6%

3,029 overlapping windows · 2014-07-31 – 2026-09-16 · not cherry-picked

Seasonality · by month iHow this security has tended to do in each calendar month historically — a frequency, never a prediction.

iFor each calendar month, the share of years this security closed higher than the month before, and the average month-over-month return, over ~13 years of its own price history. Cells are shaded by average return. This is historical frequency, not a prediction — no month is a signal.
Jan
58%
+3.8%
n=12
Feb
50%
+3.6%
n=12
Mar
42%
−0.5%
n=12
Apr
50%
+1.0%
n=12
May
92%
+5.4%
n=12
Jun
75%
+5.5%
n=12
Jul
42%
−0.2%
n=12
Aug
46%
−0.1%
n=13
Sep
69%
+2.7%
n=13
Oct
50%
+2.2%
n=12
Nov
67%
+7.9%
n=12
Dec
17%
−8.3%
n=12

Up-frequency and average month-over-month return · historical frequency, not a prediction

Reported insider & political trades

Every Form 4 the people closest to this company have filed with the SEC — plotted against the share price, aggregated by month, and shown with the gap between when each trade happened and when it was disclosed. A public record, not advice.

Share price & reported tradesMonthly open-market valueReporting lag — trade date to filing date2026-092026-082026-072026-062026-052026-042026-032026-022026-012025-122025-112025-102025-092025-08$107$732026-08-25: 2 insider sales, $798K — DILLON ADRIAN T …2026-07-10: 1 insider sale, $224K — Fiore Michael Henry2026-07-02: 1 insider sale, $235K — Fiore Michael Henry2026-05-29: 1 insider sale, $298K — Fiore Michael Henry2026-05-28: 2 insider sales, $895K — Ladd Delano, Wellborn Gayle Furgurson2025-12-19: 1 insider sale, $142K — Ladd Delano2025-12-18: 1 insider sale, $1.0M — Rosner Elimelech2025-12-12: 1 insider sale, $425K — Wellborn Gayle Furgurson2025-11-20: 1 insider sale, $157K — Ladd Delano2025-10-20: 1 insider sale, $138K — Ladd Delano2025-10-07: 1 insider sale, $157K — Fiore Michael Henry2025-09-19: 3 insider sales, $565K — Ladd Delano …2025-09-05: 1 insider sale, $323K — Dilsaver Evelyn S2025-09: 4 open-market sales, $888K2025-10: 2 open-market sales, $295K2025-11: 1 open-market sale, $157K2025-12: 3 open-market sales, $1.6M2026-05: 3 open-market sales, $1.2M2026-07: 2 open-market sales, $458K2026-08: 2 open-market sales, $798K↑ buys↓ salesdirector DILLON ADRIAN T — Sale on 2026-08-25, filed 2 days after the tradedirector DILLON ADRIAN T — Sale on 2026-08-25, filed 2 days after the tradeofficer Fiore Michael Henry — Sale on 2026-07-10, filed 4 days after the tradeofficer Fiore Michael Henry — Sale on 2026-07-02, filed 5 days after the tradeofficer Fiore Michael Henry — Sale on 2026-05-29, filed 4 days after the tradeofficer Ladd Delano — Sale on 2026-05-28, filed 4 days after the tradedirector Wellborn Gayle Furgurson — Sale on 2026-05-28, filed 4 days after the tradeofficer Ladd Delano — Sale on 2025-12-19, filed 4 days after the tradeofficer Rosner Elimelech — Sale on 2025-12-18, filed 1 day after the tradedirector Wellborn Gayle Furgurson — Sale on 2025-12-12, filed 4 days after the tradeofficer Ladd Delano — Sale on 2025-11-20, filed 4 days after the tradeofficer Ladd Delano — Sale on 2025-10-20, filed 2 days after the tradeofficer Fiore Michael Henry — Sale on 2025-10-07, filed 1 day after the tradeofficer Ladd Delano — Sale on 2025-09-19, filed 3 days after the tradeofficer Ladd Delano — Sale on 2025-09-19, filed 3 days after the tradeofficer Ladd Delano — Sale on 2025-09-19, filed 3 days after the tradedirector Dilsaver Evelyn S — Sale on 2025-09-05, filed 4 days after the trade
DatePersonRoleActionShares @ priceValueOwnership Δvs S&P 1mvs S&P 6mOwned afterFiling
2026-08-25DILLON ADRIAN TdirectorSale6,300 @ $104.47$658K−9.0% of holdingnot yet — horizon still opennot yet — horizon still open63,727Form 4 · filed 2 days after the trade
2026-08-25DILLON ADRIAN TdirectorSale1,332 @ $105.26$140K−2.1% of holdingnot yet — horizon still opennot yet — horizon still open62,395Form 4 · filed 2 days after the trade
2026-07-10Fiore Michael HenryofficerSale2,354 @ $95.00$224K−4.3% of holding+10.7%not yet — horizon still open52,244Form 4 · filed 4 days after the trade
2026-07-02Fiore Michael HenryofficerSale2,470 @ $95.00$235K−4.2% of holding+7.8%not yet — horizon still open56,643Form 4 · filed 5 days after the trade
2026-05-29Fiore Michael HenryofficerSale3,142 @ $95.00$298K−5.0% of holding+3.7%not yet — horizon still open59,113Form 4 · filed 4 days after the trade
2026-05-28Ladd DelanoofficerSale7,500 @ $90.00$675K−7.6% of holding−1.4%not yet — horizon still open91,141Form 4 · filed 4 days after the trade
2026-05-28Wellborn Gayle FurgursondirectorSale2,439 @ $90.00$220K−11.0% of holding−1.4%not yet — horizon still open19,733Form 4 · filed 4 days after the trade
2025-12-19Ladd DelanoofficerSale1,500 @ $94.72$142K−2.0% of holding−10.7%−19.3%73,979Form 4 · filed 4 days after the trade
2025-12-18Rosner ElimelechofficerSale10,959 @ $95.45$1.0M−19.3% of holding−13.0%−20.4%45,742Form 4 · filed 1 day after the trade
2025-12-12Wellborn Gayle FurgursondirectorSale4,339 @ $98.03$425K−18.0% of holding−13.1%−22.2%19,733Form 4 · filed 4 days after the trade
2025-11-20Ladd DelanoofficerSale1,500 @ $104.56$157K−1.9% of holding−12.2%−29.1%75,479Form 4 · filed 4 days after the trade
2025-10-20Ladd DelanoofficerSale1,500 @ $92.07$138K−1.9% of holding+12.1%−17.5%76,979Form 4 · filed 2 days after the trade
2025-10-07Fiore Michael HenryofficerSale1,781 @ $88.21$157K−3.5% of holding+5.4%−7.0%49,795Form 4 · filed 1 day after the trade
2025-09-19Ladd DelanoofficerSale5,000 @ $93.91$470K−5.9% of holding−1.9%−12.2%80,456Form 4 · filed 3 days after the trade
2025-09-19Ladd DelanoofficerSale971 @ $95.06$92K−1.2% of holding−1.9%−12.2%79,485Form 4 · filed 3 days after the trade
2025-09-19Ladd DelanoofficerSale29 @ $95.70$3K−0.0% of holding−1.9%−12.2%79,456Form 4 · filed 3 days after the trade
2025-09-05Dilsaver Evelyn SdirectorSale3,461 @ $93.30$323K−6.7% of holding−8.1%−17.9%48,208Form 4 · filed 4 days after the trade
2025-07-07Fiore Michael HenryofficerSale1,094 @ $101.50$111K−2.0% of holding−11.8%−19.6%53,925Form 4 · filed 1 day after the trade
2025-07-07Fiore Michael HenryofficerSale700 @ $102.09$71K−1.3% of holding−11.8%−19.6%53,225Form 4 · filed 1 day after the trade
2025-06-09Rosner ElimelechofficerSale13,000 @ $111.37$1.4M−17.2% of holding−17.2%−31.8%62,689Form 4 · filed 1 day after the trade
2025-06-06Kessler JondirectorSale62,827 @ $111.84$7.0M−16.2% of holding−14.8%−30.4%324,866Form 4 · filed 4 days after the trade
2025-06-06Rosner ElimelechofficerSale58,000 @ $112.56$6.5M−43.4% of holding−14.8%−30.4%75,689Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale52,450 @ $111.83$5.9M−30.4% of holding−14.8%−30.4%120,317Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale39,075 @ $112.08$4.4M−12.7% of holding−14.8%−30.4%268,937Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale19,082 @ $112.39$2.1M−15.9% of holding−14.8%−30.4%101,235Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale16,854 @ $112.38$1.9M−5.2% of holding−14.8%−30.4%308,012Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale16,547 @ $111.98$1.9M−16.3% of holding−14.8%−30.4%84,688Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale15,427 @ $112.70$1.7M−5.7% of holding−14.8%−30.4%253,510Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale9,628 @ $112.61$1.1M−11.4% of holding−14.8%−30.4%75,060Form 4 · filed 4 days after the trade
2025-06-06Kessler JondirectorSale60 @ $113.35$7K−0.1% of holding−14.8%−30.4%75,000Form 4 · filed 4 days after the trade
2025-04-09SELANDER ROBERT WdirectorSale3,283 @ $78.06$256K−3.7% of holding+5.9%−11.4%85,369Form 4 · filed 2 days after the trade
2025-04-09SELANDER ROBERT WdirectorSale2,067 @ $76.79$159K−2.3% of holding+5.9%−11.4%88,652Form 4 · filed 2 days after the trade
2025-04-09SELANDER ROBERT WdirectorSale400 @ $78.81$32K−0.5% of holding+5.9%−11.4%84,969Form 4 · filed 2 days after the trade
2025-04-04Fiore Michael HenryofficerSale8,881 @ $78.26$695K−13.6% of holding+3.8%−22.3%56,655Form 4 · filed 4 days after the trade
2025-02-10SELANDER ROBERT WdirectorSale3,752 @ $110.98$416K−4.5% of holding−7.0%−24.0%80,217Form 4 · filed 2 days after the trade
2025-02-10SELANDER ROBERT WdirectorSale1,998 @ $111.87$224K−2.5% of holding−7.0%−24.0%78,219Form 4 · filed 2 days after the trade
2024-12-12Parker Stuart B.directorSale24,272 @ $96.70$2.3M−55.1% of holding+7.5%+5.8%19,789Form 4 · filed 1 day after the trade
2024-12-12McCowan Debra CharlottedirectorSale5,000 @ $95.56$478K−39.1% of holding+7.5%+5.8%7,779Form 4 · filed 1 day after the trade
2024-12-12Rosner ElimelechofficerSale2,869 @ $97.12$279K−4.8% of holding+7.5%+5.8%57,195Form 4 · filed 1 day after the trade
2024-12-12Parker Stuart B.directorSale728 @ $97.30$71K−3.7% of holding+7.5%+5.8%19,061Form 4 · filed 1 day after the trade
2024-12-09SELANDER ROBERT WdirectorSale5,750 @ $101.56$584K−8.0% of holding+3.0%+2.5%66,469Form 4 · filed 2 days after the trade
2024-12-09SELANDER ROBERT WdirectorSale2,500 @ $101.57$254K−3.4% of holding+3.0%+2.5%71,469Form 4 · filed 2 days after the trade

The vs-S&P columns are a labeled look-back on what the stock did after each filing, measured against the index over the same window. Descriptive history, not a claim about the person or a reason to trade.

118 award / exercise / gift records — not counted as purchases

Awards, option exercises, gifts and tax-withholding disposals are shown separately and never counted as open-market purchases or sales — they carry no conviction information.

DatePersonRoleActionSharesOwned afterFiling
2026-08-25DILLON ADRIAN TdirectorOption exercise7,63270,027Form 4
2026-08-25DILLON ADRIAN TdirectorOption exercise7,6320Form 4
2026-07-09Gathright MichaelofficerWithheld for tax2,27039,893Form 4
2026-07-08Lucania James MofficerWithheld for tax2,839104,617Form 4
2026-07-08Fiore Michael HenryofficerWithheld for tax2,04554,598Form 4
2026-07-08Cutler ScottdirectorWithheld for tax1,238176,405Form 4
2026-07-08Neeleman StephendirectorWithheld for tax1,103137,565Form 4
2026-07-08Ladd DelanoofficerWithheld for tax1,08790,054Form 4
2026-06-25Wellborn Gayle FurgursondirectorAward / grant2,87722,610Form 4
2026-06-25McCowan Debra CharlottedirectorAward / grant2,87712,659Form 4
2026-06-25Natarajan RajeshdirectorAward / grant2,87718,130Form 4
2026-06-25Parker Stuart B.directorAward / grant2,87725,975Form 4
2026-06-25DILLON ADRIAN TdirectorAward / grant2,87762,395Form 4
2026-06-25Gassen WilliamdirectorAward / grant2,8773,611Form 4
2026-06-25SELANDER ROBERT WdirectorAward / grant2,87789,849Form 4
2026-06-25Dilsaver Evelyn SdirectorAward / grant2,87751,085Form 4
2026-05-28Wellborn Gayle FurgursondirectorOption exercise2,43922,172Form 4
2026-05-28Wellborn Gayle FurgursondirectorOption exercise2,4390Form 4
2026-04-06Cutler ScottdirectorWithheld for tax4,931177,643Form 4
2026-04-06Rosner ElimelechofficerWithheld for tax4,76881,497Form 4
2026-04-06Lucania James MofficerWithheld for tax4,393107,456Form 4
2026-04-06Fiore Michael HenryofficerWithheld for tax3,37862,255Form 4
2026-04-06Neeleman StephendirectorWithheld for tax2,559138,668Form 4
2026-04-06Ladd DelanoofficerWithheld for tax2,48198,641Form 4
2026-03-31Rosner ElimelechofficerWithheld for tax18,01086,265Form 4
2026-03-31Neeleman StephendirectorWithheld for tax9,292141,227Form 4
2026-03-31Ladd DelanoofficerWithheld for tax7,726—Form 4
2026-03-31Ladd DelanoofficerWithheld for tax7,726—Form 4
2026-03-25Ladd DelanoofficerAward / grant15,15788,397Form 4
2026-03-25Lucania James MofficerAward / grant27,283111,849Form 4
2026-03-25Neeleman StephendirectorAward / grant15,915126,659Form 4
2026-03-25Neeleman StephendirectorAward / grant23,860150,519Form 4
2026-03-25Rosner ElimelechofficerAward / grant19,70463,372Form 4
2026-03-25Rosner ElimelechofficerAward / grant40,903104,275Form 4
2026-03-25Ladd DelanoofficerAward / grant20,451108,848Form 4
2026-03-25Cutler ScottdirectorAward / grant72,754182,574Form 4
2026-03-25Fiore Michael HenryofficerAward / grant17,58265,633Form 4
2026-03-25Gathright MichaelofficerAward / grant15,15742,163Form 4
2026-02-02Parker Stuart B.directorAward / grant1,26323,098Form 4
2026-02-02Natarajan RajeshdirectorAward / grant97615,253Form 4

Source: SEC Form 4 filings. Each row links to its original filing.

Across 2012–2021, stocks where a CEO, C-suite officer, or director had recently made an open-market common-stock purchase ran about +28 bp per month above the universe average (n=34,268 stock-weeks). A historical tendency, not a prediction.

Congressional disclosures

No congressional trades disclosed for this company.

Research tool, not investment advice — historical frequencies, not recommendations. A product of Marovel Technologies LLC. Full terms.