← Back to HQY filing summaryThis is the extracted source text from the SEC filing. Formatting may differ from the original document.
The risks described in “Risk factors” in our Annual Report on Form 10-K for the fiscal year ended January 31, 2026 and subsequent periodic reports could materially and adversely affect our business, financial condition and results of operations. There have been no material changes in such risks. These risk factors do not identify all risks that we face, and our operations could also be affected by factors that are not presently known to us or that we currently consider to be immaterial to our operations.