| | | | | | | | | | | | | | | | | | | | | |
<?xml version="1.0" encoding="windows-1252"?> |
<xbrl xml:lang="en-US" xmlns="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2021" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink"> |
| <link:schemaRef xlink:href="hqy-20230601.xsd" xlink:type="simple"/> |
| <context id="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601"> |
| | <entity> |
| | | <identifier scheme="http://www.sec.gov/CIK"> 0001428336 </identifier> |
| | | </entity> |
| | <period> |
| | | <startDate> 2023-06-01 </startDate> |
| | | <endDate> 2023-06-01 </endDate> |
| | | </period> |
| | </context> |
| <dei:EntityCentralIndexKey contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV80L2ZyYWc6MTc5MzBhMWMxNzU3NDQxMzk5MzUwYWI3NmRmY2VjNzYvdGFibGU6ZmRiN2QxNDQyNTZkNDMyYWJmMDc1ZDljZTZlYzNmM2YvdGFibGVyYW5nZTpmZGI3ZDE0NDI1NmQ0MzJhYmYwNzVkOWNlNmVjM2YzZl8yLTEtMS0xLTgxMTE0_50ba801a-b5b3-4438-8e16-b33f2565e2c5"> 0001428336 </dei:EntityCentralIndexKey> |
| <dei:AmendmentFlag contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV80L2ZyYWc6MTc5MzBhMWMxNzU3NDQxMzk5MzUwYWI3NmRmY2VjNzYvdGFibGU6ZmRiN2QxNDQyNTZkNDMyYWJmMDc1ZDljZTZlYzNmM2YvdGFibGVyYW5nZTpmZGI3ZDE0NDI1NmQ0MzJhYmYwNzVkOWNlNmVjM2YzZl8zLTEtMS0xLTgxMTE0_31ac19f0-f8f2-4e14-9994-5a95805c6e86"> false </dei:AmendmentFlag> |
| <dei:DocumentType contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV84Mw_46479c10-ca33-4518-b5a5-f0cab4c29c3d"> 8-K </dei:DocumentType> |
| <dei:DocumentPeriodEndDate contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yMjU_27eaf4e8-498c-497b-85d8-b622343397ed"> 2023-06-01 </dei:DocumentPeriodEndDate> |
| <dei:EntityRegistrantName contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6YzZkYzRiMjNmN2E3NDk4ZDhiZmRhNzI2NmMxYzdiODEvdGFibGVyYW5nZTpjNmRjNGIyM2Y3YTc0OThkOGJmZGE3MjY2YzFjN2I4MV8xLTAtMS0xLTgxMTE0_d8e2b55d-417c-44f5-b315-ba0ae4326bf1"> HEALTHEQUITY, INC. </dei:EntityRegistrantName> |
| <dei:EntityIncorporationStateCountryCode contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6MzhkMzc1MzgwYWFhNGVjYmI4MjRjYjg4NDFlYTRhY2EvdGFibGVyYW5nZTozOGQzNzUzODBhYWE0ZWNiYjgyNGNiODg0MWVhNGFjYV8wLTAtMS0xLTgxMTE0_c9177ee8-720d-4a1f-9b62-63861c3912ce"> DE </dei:EntityIncorporationStateCountryCode> |
| <dei:EntityFileNumber contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6MzhkMzc1MzgwYWFhNGVjYmI4MjRjYjg4NDFlYTRhY2EvdGFibGVyYW5nZTozOGQzNzUzODBhYWE0ZWNiYjgyNGNiODg0MWVhNGFjYV8wLTItMS0xLTgxMTE0_d1a0ba1f-8e57-4b45-85f5-4ec9fea972f9"> 001-36568 </dei:EntityFileNumber> |
| <dei:EntityTaxIdentificationNumber contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6MzhkMzc1MzgwYWFhNGVjYmI4MjRjYjg4NDFlYTRhY2EvdGFibGVyYW5nZTozOGQzNzUzODBhYWE0ZWNiYjgyNGNiODg0MWVhNGFjYV8wLTQtMS0xLTgxMTE0_c2a9fd49-0679-43e2-9f17-a0be59f9d32c"> 52-2383166 </dei:EntityTaxIdentificationNumber> |
| <dei:EntityAddressAddressLine1 contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yMzU_b92c621f-f381-4236-9897-db84b3277a07"> 15 West Scenic Pointe Drive </dei:EntityAddressAddressLine1> |
| <dei:EntityAddressAddressLine2 contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yMzk_e7bed474-498c-41b1-a96a-767698e70ab6"> Suite 100 </dei:EntityAddressAddressLine2> |
| <dei:EntityAddressCityOrTown contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yNDM_97ae532d-6f9b-491a-9353-953d7f048179"> Draper </dei:EntityAddressCityOrTown> |
| <dei:EntityAddressStateOrProvince contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yNDc_5312f526-d9d2-4c3c-a088-15c8cdb0c079"> UT </dei:EntityAddressStateOrProvince> |
| <dei:EntityAddressPostalZipCode contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yNTA_0f81971e-4f93-4931-8695-9e20c64610ad"> 84020 </dei:EntityAddressPostalZipCode> |
| <dei:CityAreaCode contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yNTU_f299012e-71c6-48cf-bc25-662a9851b115"> 801 </dei:CityAreaCode> |
| <dei:LocalPhoneNumber contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8yNTk_4b090f27-89cf-4a17-8db6-6eee5d0eefb8"> 727-1000 </dei:LocalPhoneNumber> |
| <dei:WrittenCommunications contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV82NjY_744b2171-b72a-47fc-b650-ff1d78ed904c"> false </dei:WrittenCommunications> |
| <dei:SolicitingMaterial contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV83NTU_a1fbd81f-1076-49a3-b2e3-a7f41318b880"> false </dei:SolicitingMaterial> |
| <dei:PreCommencementTenderOffer contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV84NDU_57f6e7c4-301d-44f0-812b-19cdcb836f97"> false </dei:PreCommencementTenderOffer> |
| <dei:PreCommencementIssuerTenderOffer contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV85NTE_69c7c22d-b4a9-452f-a54a-00d28d3ccd1a"> false </dei:PreCommencementIssuerTenderOffer> |
| <dei:Security12bTitle contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6ODE2NDYzYzdmMDg3NDY0NWJhNTNkYjc3NmZlMTZmOTYvdGFibGVyYW5nZTo4MTY0NjNjN2YwODc0NjQ1YmE1M2RiNzc2ZmUxNmY5Nl8xLTAtMS0xLTgxMTE0_69fdffa0-1944-4389-b3d0-b8d0527f6fbf"> Common stock, par value $0.0001 per share </dei:Security12bTitle> |
| <dei:TradingSymbol contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6ODE2NDYzYzdmMDg3NDY0NWJhNTNkYjc3NmZlMTZmOTYvdGFibGVyYW5nZTo4MTY0NjNjN2YwODc0NjQ1YmE1M2RiNzc2ZmUxNmY5Nl8xLTEtMS0xLTgxMTE0_a4f41479-b1bd-4800-9bf4-6ccf29523dc3"> HQY </dei:TradingSymbol> |
| <dei:SecurityExchangeName contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGFibGU6ODE2NDYzYzdmMDg3NDY0NWJhNTNkYjc3NmZlMTZmOTYvdGFibGVyYW5nZTo4MTY0NjNjN2YwODc0NjQ1YmE1M2RiNzc2ZmUxNmY5Nl8xLTItMS0xLTgxMTE0_9af52e2a-2cde-4013-84d5-8173d3da2928"> NASDAQ </dei:SecurityExchangeName> |
| <dei:EntityEmergingGrowthCompany contextRef="i95bb4c4ef3624d87912ca136cf4b03a4_D20230601-20230601" id="id3VybDovL2RvY3MudjEvZG9jOjU3MDk5OWU0ZDYxMDQ4NzY5YmNkZDgwNDhjZDZlOTQxL3NlYzo1NzA5OTllNGQ2MTA0ODc2OWJjZGQ4MDQ4Y2Q2ZTk0MV8xL2ZyYWc6YjA5OWMyNDQ2NzE2NGQyZmFkZjZkMzBjODI0NTY4Y2UvdGV4dHJlZ2lvbjpiMDk5YzI0NDY3MTY0ZDJmYWRmNmQzMGM4MjQ1NjhjZV8xMzY0_1a266eb2-d19e-44a7-b419-e04a6005f325"> false </dei:EntityEmergingGrowthCompany> |
| </xbrl> |