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Company overview We are a leader and an innovator in providing technology-enabled services that empower consumers to make healthcare saving, spending, and investing decisions. We use our innovative technology to manage consumers' tax-advantaged health savings accounts ( HSAs ) and other consumer-directed benefits ( CDBs ) offered by employers, including flexible spending accounts and health rei…
24.55% operating margin is above average. ROIC at 8.22%. Note that capital returns lag the margin, the business may be capital-intensive despite high margins.
Revenue grew 9.5%, steady but not accelerating.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$1.34B
▲ +9.5% YoY
Net Income (TTM)
$231M
▲ +122.5% YoY
Op. Margin
25.60%
▲ +11.0pp YoY
ROIC
8.77%
▲ +3.6pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$488M
▲ +34.7% YoY
Op. Cash Flow (TTM)
$490M
▲ +34.5% YoY
Net Debt
$719M
Cash & Equiv.
$265M
5Y CAGR: +12.4%
5Y CAGR: +22.0%
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