HealthEquity, Inc. (HQY) Q3 2024 Earnings Call Transcript

HealthEquity, Inc. (NASDAQ:HQY) Q3 2024 Earnings Conference Call December 5, 2023 4:30 PM ET

Company Participants

Richard Putnam – Investor Relations

Jon Kessler – President and Chief Executive Officer

James Lucania – Executive Vice President and Chief Financial Officer

Conference Call Participants

Greg Peters – Raymond James

Stan Berenshteyn – Wells Fargo

Allen Lutz – Bank of America

David Larsen – BTIG

Anne Samuel – JP Morgan

George Hill – Deutsche Bank

Mark Marcon – Baird

Jack Wallace – Guggenheim


Hello and welcome to the HealthEquity’s Third Quarter 2024 Earnings Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded.

I’d now like to turn the call over to Richard Putnam.

Richard Putnam

Thanks MJ. Hello, everyone and welcome to HealthEquity’s third quarter of fiscal year 2024 earnings conference call. My name is Richard Putnam. I do Investor Relations for HealthEquity.

Joining me today is Jon Kessler, President and CEO; Dr. Steve Neeleman, Vice Chair and Founder of the company; and James Lucania, Executive Vice President and CFO.

Before I turn the call over to Jon, I have two important reminders. First, a press release announcing the financial results for our third quarter of fiscal 2024 was issued after the market closed this afternoon. These financial results include the contributions from our wholly owned subsidiaries and accounts that they administer. The press release also includes definitions of certain non-GAAP financial measures that we will reference today. A copy of today’s press release, including reconciliations of these non-GAAP measures with comparable GAAP measures and a recording of this webcast can be found on our Investor Relations website, which is

Second, our comments and responses to your questions today reflect management’s

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