HQY - HEALTHEQUITY, INC.

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Revenue Growth YoY (%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+53%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+44%)	7.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	8.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	15.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+201%)	18.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	20.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+311%)	23.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+363%)	17.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+253%)	12.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+144%)	15.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+207%)	18.1% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+263%)	18.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	15.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+200%)	20.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+302%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+133%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	0.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-93%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-161%)	-6.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-230%)	14.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+183%)	103.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1964%)	118.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2265%)	165.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3210%)	122.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2358%)	21.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+338%)	24.5% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+391%)	25.4% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+408%)	24.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+383%)	24.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+399%)	26.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+423%)	—	31.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+520%)	28.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+475%)	25.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+418%)	—	41.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+738%)	44.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+798%)	47.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+849%)	44.3% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+786%)	39.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+695%)	46.0% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+819%)	47.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+851%)	44.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+799%)	43.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+768%)	39.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+689%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	14.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	32.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	93.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	757.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	68.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	87.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-3.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-58.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	241.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	560.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	N/M	N/M	N/M	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-160.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-433.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	N/M	N/M	N/M	N/M	-95.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	81.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	120.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	47.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	28.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	60.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	70.0% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	64.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	40.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	75.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	55.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-57.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-82.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	96.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-45.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	58.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	9.7% Fair ↓ Fair Declining Year-over-year change in net income	28.8% Excellent ↓ Excellent Declining Year-over-year change in net income	88.7% Excellent ↓ Excellent Declining Year-over-year change in net income	806.4% Excellent ↑ Excellent Improving Year-over-year change in net income	67.1% Excellent ↑ Excellent Improving Year-over-year change in net income	87.1% Excellent ↑ Excellent Improving Year-over-year change in net income	0.0% Caution ↓ Caution Declining Year-over-year change in net income	-61.1% Weak ↓ Weak Declining Year-over-year change in net income	238.6% Excellent Excellent Year-over-year change in net income	603.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	99.4% Excellent ↑ Excellent Improving Year-over-year change in net income	67.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-179.0% Weak Weak Year-over-year change in net income	-421.6% Weak Weak Year-over-year change in net income	N/M	N/M	-2479.7% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	-95.6% Weak Weak Year-over-year change in net income	N/M	N/M	-14.0% Weak ↓ Weak Declining Year-over-year change in net income	85.2% Excellent ↑ Excellent Improving Year-over-year change in net income	122.2% Excellent ↑ Excellent Improving Year-over-year change in net income	49.6% Excellent ↑ Excellent Improving Year-over-year change in net income	32.9% Excellent ↓ Excellent Declining Year-over-year change in net income	60.9% Excellent ↓ Excellent Declining Year-over-year change in net income	45.4% Excellent ↓ Excellent Declining Year-over-year change in net income	74.5% Excellent ↑ Excellent Improving Year-over-year change in net income	105.8% Excellent ↑ Excellent Improving Year-over-year change in net income	73.8% Excellent ↑ Excellent Improving Year-over-year change in net income	29.9% Excellent ↓ Excellent Declining Year-over-year change in net income	47.0% Excellent ↓ Excellent Declining Year-over-year change in net income	86.2% Excellent ↑ Excellent Improving Year-over-year change in net income	62.2% Excellent ↓ Excellent Declining Year-over-year change in net income	128.2% Excellent ↑ Excellent Improving Year-over-year change in net income	34.0% Excellent ↓ Excellent Declining Year-over-year change in net income	46.0% Excellent ↓ Excellent Declining Year-over-year change in net income	83.1% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	54.1% Excellent Excellent Year-over-year change in net income	36.3% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	—	54.3% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-0.3% Weak Weak Year-over-year change in free cash flow	—	—	—	102.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	424.0% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-79.7% Weak Weak Year-over-year change in free cash flow	—	—	—	228.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-72.7% Weak Weak Year-over-year change in free cash flow	—	—	—	10.1% Fair Fair Year-over-year change in free cash flow	—	—	—	49.0% Excellent Excellent Year-over-year change in free cash flow	—	—	—	664.3% Excellent Excellent Year-over-year change in free cash flow	—	—	—	80.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-87.1% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	12.9% Good → Good Stable Compound annual revenue growth over 3 years	13.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.5% Excellent → Excellent Stable Compound annual revenue growth over 3 years	17.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	15.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	18.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	33.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	33.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	39.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	36.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	38.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	38.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	46.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	46.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	45.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	50.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	53.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	25.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	28.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.1% Excellent → Excellent Stable Compound annual revenue growth over 3 years	32.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	37.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	39.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	39.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	41.7% Excellent Excellent Compound annual revenue growth over 3 years	43.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	13.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	14.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	12.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	28.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	27.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	28.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	28.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	27.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	28.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	31.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	30.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	29.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	30.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	—	32.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	39.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	42.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	42.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	44.8% Excellent → Excellent Stable Compound annual revenue growth over 5 years	51.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	48.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	32.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.9% Excellent → Excellent Stable Compound annual revenue growth over 5 years	34.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	35.8% Excellent Excellent Compound annual revenue growth over 5 years	36.5% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	87.4% Excellent Excellent Compound annual EPS growth over 3 years	154.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	64.2% Excellent → Excellent Stable Compound annual EPS growth over 3 years	104.1% Excellent Excellent Compound annual EPS growth over 3 years	—	18.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	-11.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-51.0% Weak Weak Compound annual EPS growth over 3 years	—	-49.3% Weak Weak Compound annual EPS growth over 3 years	—	—	28.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	68.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	63.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	52.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	65.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	60.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	41.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	-23.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-3.1% Weak Weak Compound annual EPS growth over 3 years	5.3% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Operating Margin (%) (%)	28.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+134%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+142%)	21.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	24.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	27.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+129%)	25.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	13.5% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	6.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	19.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	14.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	14.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	12.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	10.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	9.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	5.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	2.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	-1.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	-3.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-13.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-212%)	-0.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	-0.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	-0.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	6.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	5.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	7.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	7.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	6.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	28.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	31.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+165%)	21.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	26.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+124%)	30.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+153%)	29.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+145%)	14.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	23.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	29.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+142%)	28.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	—	20.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	28.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+140%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+151%)	12.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.6% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	24.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	26.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+123%)	8.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	19.6% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	24.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	27.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	9.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	22.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	24.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	—	—	—
Effective Tax Rate (%) (%)	25.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	59.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2712.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	73.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	44.8% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	51.0% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	56.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	499.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	56.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	78.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	68.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	41.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+134%)	19.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+145%)	14.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	16.0% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+130%)	16.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	8.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	1.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	10.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	10.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	5.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	1.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	-0.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	-0.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	-5.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-165%)	-6.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-183%)	-16.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-302%)	-2.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	-2.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-118%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	1.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-0.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	1.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	-13.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-270%)	22.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+179%)	48.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+501%)	17.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+116%)	22.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+178%)	31.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+296%)	32.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+304%)	9.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+131%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+272%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+216%)	—	13.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	18.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+133%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+129%)	8.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	13.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	14.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	5.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	13.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	14.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	13.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	-27.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-444%)	13.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	14.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	—	—	—
FCF Margin (%) (%)	38.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	27.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	35.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	42.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	19.5% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	24.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	22.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	29.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	12.8% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	23.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	2.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	24.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	15.4% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	31.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	4.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	14.3% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	27.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	42.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	30.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	29.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	25.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	4.1% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	20.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	3.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	17.0% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	4.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	30.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	31.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	2.06x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	1.40x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	2.36x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.67x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	—	1.20x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	2.86x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	2.25x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.90x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	7.67x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-263.59x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-0.43x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-1.49x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-10.87x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	11.03x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	4.12x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-151.76x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	0.58x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.46x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.96x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	3.00x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	1.01x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	3.35x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.22x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.33x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.19x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	3.09x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.36x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.10x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.46x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Return on Invested Capital (%)	2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-18.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.3% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	2.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.2% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	5.7% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	2.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.4% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	4.9% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	1.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	28.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	-13.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—
Return on Capital (%) (%)	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	—	4.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	—	3.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	—	3.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	—	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	4.8% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	—	2.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	7.7% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	1.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	1.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	0.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	-0.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	-0.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	-0.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	-0.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-105%)	-1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-112%)	-0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	-0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	-0.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	-0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	-2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	5.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	2.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	28.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+89%)	—	37.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+147%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Debt to Equity (x)	0.47x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.46x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.45x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.46x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.50x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.50x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.51x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-27%)	0.51x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-27%)	0.44x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	—	0.44x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	0.45x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	—	0.49x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.50x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.50x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	—	0.50x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.48x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	0.49x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	—	0.74x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+6%)	0.75x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+7%)	1.17x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+67%)	—	1.21x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+72%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x)	20.40x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	5.56x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	12.28x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	4.35x Fair → Fair Stable Operating income divided by interest expense Optimal: > 5x	—	3.99x Fair Fair Operating income divided by interest expense Optimal: > 5x	5.03x Good Good Operating income divided by interest expense Optimal: > 5x	—	—	3.53x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	7.25x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	2.28x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.86x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.55x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.81x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	0.46x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.21x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.70x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.54x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.03x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.12x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.64x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.23x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.65x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.23x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	1.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.97x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	—	553.56x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	251.23x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	361.30x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$675.06M	$677.29M	$638.45M	$672.85M	$702.37M	$768.67M	$760.35M	$758.88M	$774.51M	$674.45M	—	$540.21M	$583.24M	$647.26M	—	$716.52M	$751.21M	$768.21M	—	$280.94M	$141.69M	$173.05M	—	$701.74M	$738.69M	$1.04B	—	$1.05B	$-815.16M	$-329.31M	—	$-289.01M	$-261.81M	$-228.94M	—	$-184.37M	$-169.72M	$-155.09M	$-139.95M	$-125.35M	$-109.17M	$-92.77M	$-83.64M	$-85.01M	$-108.85M	$-74.86M	$-111.00M	$-107.85M	$-20.89M	$-13.99M	$-13.92M	$-13.13M	$-9.33M	$-5.91M	$-5.91M	$-5.13M
Debt / EBITDA (x)	6.62x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.68x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.72x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.36x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	11.17x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.67x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	12.99x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	52.41x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	18.29x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	11.49x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	26.74x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	32.67x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	14.03x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	109.77x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1177.78x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	28.87x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	296.77x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	341.12x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	25.26x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	64.58x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	76.75x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	28.51x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	90.74x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Revenue per Share (USD)	$4.21	$4.20	—	$3.75	$3.76	$3.82	—	$3.45	$3.44	$3.33	—	$2.91	$2.85	$2.87	—	$2.56	$2.44	$2.45	—	$2.15	$2.27	$2.25	—	$2.34	$2.43	$2.68	—	$2.23	$1.35	$1.40	—	$1.14	$1.15	$1.14	—	$0.94	$0.95	$0.93	—	$0.74	$0.76	$0.76	—	$0.53	$0.54	$0.54	—	$0.41	$2.57	$2.75	—	$2.73	$2.69	—	—	—
Basic EPS, GAAP (USD)	$0.79	$0.82	$0.58	$0.60	$0.69	$0.62	$0.30	$0.07	$0.41	$0.33	$0.31	$0.17	$0.12	$0.05	$0.00	$-0.02	$-0.13	$-0.16	$-0.39	$-0.06	$-0.05	$-0.03	$0.07	$0.02	$0.00	$0.03	$-0.02	$-0.30	$0.30	$0.67	$0.22	$0.25	$0.36	$0.37	$0.10	$0.17	$0.28	$0.23	$0.07	$0.10	$0.14	$0.14	$0.05	$0.07	$0.08	$0.09	$-0.05	$0.06	$0.19	$0.52	$-1.57	$0.11	$0.12	—	—	—
Free Cash Flow per Share (USD)	$1.62	$1.15	—	$1.60	—	$0.75	—	—	—	$0.75	—	—	—	$0.37	—	—	—	$0.07	—	—	—	$0.35	—	—	—	$0.11	—	—	—	$0.39	—	—	—	$0.35	—	—	—	$0.24	—	—	—	$0.03	—	—	—	$0.02	—	—	—	$0.13	—	$0.87	—	—	—	—
Book Value per Share (USD)	$24.00	$24.39	$24.79	$24.93	$24.84	$24.49	$24.44	$24.47	$24.70	$24.11	—	$23.17	$22.77	$22.45	—	$22.25	$22.06	$21.99	—	$22.39	$22.28	$22.17	—	$17.61	$17.44	$14.58	—	$14.37	$14.40	$8.44	—	$7.32	$6.95	$6.42	—	$5.51	$5.23	$4.86	—	$4.26	$4.09	$3.84	—	$3.47	$3.34	$2.79	—	$19.96	$1.52	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$-8.51	$-8.03	$-7.51	$-7.46	$-7.57	$-8.12	$-8.53	$-8.66	$-8.54	$-7.15	—	$-6.07	$-6.78	$-7.46	—	$-8.59	$-9.15	$-9.46	—	$-3.74	$-3.24	$-3.55	—	$-9.72	$-10.10	$-14.98	—	$-15.72	$13.08	$7.07	—	$5.95	$5.55	$5.02	—	$4.03	$3.93	$3.70	—	$3.07	$2.89	$2.62	—	$2.32	$2.80	$2.23	—	$15.57	$-2.84	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	83.37M	84.41M	—	86.00M	86.55M	86.66M	—	87.19M	87.13M	86.47M	—	85.70M	85.53M	85.03M	—	84.57M	84.44M	84.02M	—	83.55M	83.48M	81.75M	—	76.70M	72.34M	70.98M	—	70.52M	64.22M	62.33M	—	62.09M	61.88M	61.17M	—	60.56M	60.17M	59.72M	—	58.94M	58.25M	57.82M	—	57.35M	56.73M	55.06M	—	53.68M	8.13M	7.37M	—	5.58M	5.57M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Working Capital (USD)	$306.43M	$330.79M	$355.43M	$378.08M	$376.26M	$356.45M	$321.43M	$340.71M	$374.72M	$312.69M	—	$378.17M	$319.29M	$268.75M	—	$221.78M	$183.07M	$161.27M	—	$657.06M	$675.49M	$672.81M	—	$244.67M	$229.35M	$149.18M	—	$128.46M	$816.38M	$341.20M	—	$346.44M	$322.64M	$286.61M	—	$233.33M	$226.68M	$208.84M	—	$175.62M	$164.80M	$148.55M	—	$131.85M	$160.78M	$125.09M	—	$112.51M	$24.55M	—	—	—	—	—	—	—
LT Debt (USD)	$931.06M	$942.66M	$957.38M	$982.11M	$1.01B	$1.06B	$1.06B	$1.08B	$1.10B	$925.67M	—	$874.27M	$873.58M	$872.90M	—	$926.72M	$928.09M	$929.45M	—	$930.06M	$895.45M	$909.82M	—	$1.00B	$1.01B	$1.21B	—	$1.23B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$1.99B	$2.05B	$2.11B	$2.13B	$2.15B	$2.12B	$2.11B	$2.12B	$2.16B	$2.10B	$2.04B	$1.99B	$1.95B	$1.92B	$1.90B	$1.88B	$1.86B	$1.86B	$1.85B	$1.87B	$1.86B	$1.85B	$1.38B	$1.36B	$1.34B	$1.04B	$1.03B	$1.02B	$1.02B	$529.30M	$477.08M	$456.80M	$432.62M	$396.97M	$346.27M	$334.41M	$315.93M	$290.84M	$261.94M	$252.59M	$239.46M	$222.74M	$203.46M	$198.32M	$191.16M	$154.57M	$144.09M	$140.50M	$10.68M	—	$-12.71M	—	—	—	$-6.40M	$-16.58M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2027 Jul 31, 2026 10-Q ↗	Q1 FY2027 Apr 30, 2026 10-Q ↗	Q4 FY2026 Jan 31, 2026 10-K ↗	Q3 FY2026 Oct 31, 2025 10-Q ↗	Q2 FY2026 Jul 31, 2025 10-Q ↗	Q1 FY2026 Apr 30, 2025 10-Q ↗	Q4 FY2025 Jan 31, 2025 10-K ↗	Q3 FY2025 Oct 31, 2024 10-Q ↗	Q2 FY2025 Jul 31, 2024 10-Q ↗	Q1 FY2025 Apr 30, 2024 10-Q ↗	Q4 FY2024 Jan 31, 2024 10-K ↗	Q3 FY2024 Oct 31, 2023 10-Q ↗	Q2 FY2024 Jul 31, 2023 10-Q ↗	Q1 FY2024 Apr 30, 2023 10-Q ↗	Q4 FY2023 Jan 31, 2023 10-K ↗	Q3 FY2023 Oct 31, 2022 10-Q ↗	Q2 FY2023 Jul 31, 2022 10-Q ↗	Q1 FY2023 Apr 30, 2022 10-Q ↗	Q4 FY2022 Jan 31, 2022 10-K ↗	Q3 FY2022 Oct 31, 2021 10-Q ↗	Q2 FY2022 Jul 31, 2021 10-Q ↗	Q1 FY2022 Apr 30, 2021 10-Q ↗	Q4 FY2021 Jan 31, 2021 10-K ↗	Q3 FY2021 Oct 31, 2020 10-Q ↗	Q2 FY2021 Jul 31, 2020 10-Q ↗	Q1 FY2021 Apr 30, 2020 10-Q ↗	Q4 FY2020 Jan 31, 2020 10-K ↗	Q3 FY2020 Oct 31, 2019 10-Q ↗	Q2 FY2020 Jul 31, 2019 10-Q ↗	Q1 FY2020 Apr 30, 2019 10-Q ↗	Q4 FY2019 Jan 31, 2019 10-K ↗	Q3 FY2019 Oct 31, 2018 10-Q ↗	Q2 FY2019 Jul 31, 2018 10-Q ↗	Q1 FY2019 Apr 30, 2018 10-Q ↗	Q4 FY2018 Jan 31, 2018 10-K ↗	Q3 FY2018 Oct 31, 2017 10-Q ↗	Q2 FY2018 Jul 31, 2017 10-Q ↗	Q1 FY2018 Apr 30, 2017 10-Q ↗	Q4 FY2017 Jan 31, 2017 10-K ↗	Q3 FY2017 Oct 31, 2016 10-Q ↗	Q2 FY2017 Jul 31, 2016 10-Q ↗	Q1 FY2017 Apr 30, 2016 10-Q ↗	Q4 FY2016 Jan 31, 2016 10-K ↗	Q3 FY2016 Oct 31, 2015 10-Q ↗	Q2 FY2016 Jul 31, 2015 10-Q ↗	Q1 FY2016 Apr 30, 2015 10-Q ↗	Q4 FY2015 Jan 31, 2015 10-K ↗	Q3 FY2015 Oct 31, 2014 10-Q ↗	Q2 FY2015 Jul 31, 2014 10-Q ↗	Q1 FY2015 Apr 30, 2014 10-Q ↗	Q4 FY2014 Jan 31, 2014 10-K ↗	Q3 FY2014 Oct 31, 2013 10-Q ↗	Q2 FY2014 Jul 31, 2013 10-Q ↗	Q1 FY2014 Jan 31, 2013 10-Q ↗	Q4 FY2013 Jan 31, 2013 10-K ↗	Q4 FY2012 Jan 31, 2012 10-K ↗
Sales/Revenue/Turnover (USD)	$350.73M	$354.64M	$334.59M	$322.16M	$325.83M	$330.84M	$311.82M	$300.43M	$299.93M	$287.60M	$262.39M	$249.22M	$243.55M	$244.43M	$233.84M	$216.09M	$206.14M	$205.68M	$203.30M	$179.95M	$189.10M	$184.20M	$188.17M	$179.35M	$176.04M	$190.01M	$201.20M	$157.12M	$86.62M	$87.05M	$75.78M	$70.50M	$71.07M	$69.90M	$60.44M	$56.79M	$56.88M	$55.42M	—	$43.36M	$44.19M	$44.01M	$35.89M	$30.56M	$30.49M	$29.85M	$24.87M	$21.86M	$20.89M	$20.23M	$17.16M	$15.25M	$14.98M	—	—	—
Depreciation Expense (USD)	$41.95M	$38.21M	$38.68M	$38.78M	$500.00K	$38.74M	$39.18M	$1.00M	$1.30M	$38.94M	$37.91M	$1.80M	$2.00M	$39.04M	$40.48M	$2.90M	$3.20M	$39.49M	$38.82M	$3.50M	$3.50M	$31.77M	$30.42M	$4.00M	$4.10M	$27.51M	$26.56M	$3.60M	$1.00M	$4.77M	$4.69M	$900.00K	$800.00K	$4.52M	$4.81M	$697.00K	$647.00K	$3.48M	$3.64M	$523.00K	$437.00K	$2.95M	$2.87M	$389.00K	$354.00K	$1.75M	$1.70M	$290.00K	$251.00K	$1.25M	$1.13M	$1.15M	$186.00K	—	—	—
Net Income, GAAP (USD)	$65.64M	$69.42M	$49.74M	$51.69M	$59.85M	$53.91M	$26.36M	$5.70M	$35.82M	$28.81M	$26.36M	$14.67M	$10.58M	$4.09M	$-209.00K	$-1.64M	$-10.65M	$-13.64M	$-32.82M	$-5.04M	$-3.82M	$-2.62M	$5.37M	$1.79M	$-148.00K	$1.83M	$-190.00K	$-21.33M	$19.37M	$41.82M	$13.12M	$15.69M	$22.52M	$22.58M	$5.91M	$10.48M	$16.95M	$14.03M	$4.06M	$6.01M	$8.23M	$8.07M	$3.13M	$4.09M	$4.42M	$4.98M	$1.37M	$3.05M	$3.03M	$2.72M	$-4.72M	$1.98M	$2.22M	—	—	—
Operating Cash Flow (USD)	$136.16M	$97.53M	$117.92M	$138.57M	—	$64.74M	$75.75M	—	—	$65.43M	$77.07M	—	—	$31.54M	$55.49M	—	—	$7.08M	$50.56M	—	—	$30.92M	$60.90M	—	—	$15.03M	$30.94M	—	—	$25.34M	$32.64M	—	—	$22.70M	$19.82M	—	—	$15.58M	$14.56M	—	—	$2.11M	$7.77M	—	—	$1.77M	$4.47M	—	—	$1.46M	$5.58M	$5.31M	—	—	—	—

HEALTHEQUITY, INC.

Analytical Summary

56-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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