American Well Corp (AMWL)vsHealthEquity Inc (HQY)
AMWL
American Well Corp
$7.97
+2.84%
HEALTHCARE · Cap: $133.17M
HQY
HealthEquity Inc
$84.84
+1.01%
HEALTHCARE · Cap: $7.10B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 453% more annual revenue ($1.31B vs $237.38M). HQY leads profitability with a 16.4% profit margin vs -37.0%. HQY earns a higher WallStSmart Score of 66/100 (B-).
AMWL
Avoid34
out of 100
Grade: F
HQY
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+86.0%
Fair Value
$30.83
Current Price
$7.97
$22.86 discount
Margin of Safety
+54.2%
Fair Value
$168.11
Current Price
$84.84
$83.27 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Earnings expanding 92.4% YoY
Strong operational efficiency at 21.6%
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -31.8% — below average capital efficiency
Revenue declined 17.9%
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : AMWL
The strongest argument for AMWL centers on Price/Book, Debt/Equity.
Bull Case : HQY
The strongest argument for HQY centers on EPS Growth, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bear Case : AMWL
The primary concerns for AMWL are EPS Growth, Market Cap, Return on Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
AMWL profiles as a turnaround stock while HQY is a mature play — different risk/reward profiles.
AMWL carries more volatility with a beta of 1.53 — expect wider price swings.
HQY is growing revenue faster at 7.3% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (66/100 vs 34/100), backed by strong 16.4% margins. AMWL offers better value entry with a 86.0% margin of safety. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American Well Corp
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
American Well Corporation is a telehealth business enabling digital healthcare delivery. The company is headquartered in Boston, Massachusetts.
HealthEquity Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
HealthEquity, Inc. provides technology-enabled service platforms to consumers and employers in the United States. The company is headquartered in Draper, Utah.
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