HealthEquity Inc. (HQY) Whale Options Tug-of-War, Max Pain & Unusual Sweeps

$101.36 +0.02% NASDAQ β€’ Public Delayed / 60s Snapshot

HealthEquity Inc. (HQY) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sellβ€”but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.

ROARABLE C+ β€’ HOLD / WATCH Cap $8.38B
INTERACTIVE SCENARIO DECK:
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw C Β· Rk B
Cash (16)Whales (10)SEC (16)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$124 Bull$105 Base$82 Bear
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WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.5M)
44% PutsMax Pain: $99.00
CALL VS. PUT WHALE SHARE
56% Calls / 44% Puts
Put/Call Ratio: 0.79x
MAX-PAIN EXPIRATION MAGNET
$99.00
-2.33% vs. current $101.36 spot
OPTIONS-IMPLIED VOLATILITY MOVE
Β±6.8%
Expected event band around $101.36

Active Strike Call vs. Put Concentration Ladder (HQY)

$90
6,313C / 11,538P
$95
6,313C / 11,538P
$100
14,764C / 11,538P
$105
14,764C / 4,987P
$110
14,764C / 4,987P
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Whale Flow & Momentum Playbook: Trading HQY & AI Leaders Without Chasing Tops

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HQY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +24.92%πŸ“ WEDGE COMPRESSION COIL
2026-10-30O $101.9H $103.0L $100.9C $102.5VOL 717.2K
RES: $105.4SUP: $87.54SMA50: $95.37SMA200: $89.01
$109.6$101.4$93.21$85.01$76.82RES $105.4SUP $87.54$102.52026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HQY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
29.8%/yr Implied 5Y Growth

vs. +9.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HQY today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for HQY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HQY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’

HQY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

What is HQY's options max pain and whale flow sentiment?

Unusual options sweeps in HQY show 56% bullish call premium versus 44% put premium, centered near a $99 max-pain strike.