Carlsmed, Inc. Common Stock (CARL)vsHealthEquity Inc (HQY)
CARL
Carlsmed, Inc. Common Stock
$11.07
-0.63%
HEALTHCARE · Cap: $277.29M
HQY
HealthEquity Inc
$88.67
+3.07%
HEALTHCARE · Cap: $7.39B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 2269% more annual revenue ($1.34B vs $56.44M). HQY leads profitability with a 17.2% profit margin vs -57.8%. HQY earns a higher WallStSmart Score of 66/100 (B-).
CARL
Avoid29
out of 100
Grade: F
HQY
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CARL.
Margin of Safety
+49.2%
Fair Value
$151.32
Current Price
$88.67
$62.65 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 58.2% year-over-year
Conservative balance sheet, low leverage
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Areas to Watch
0.0% earnings growth
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of -36.0% — below average capital efficiency
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CARL
The strongest argument for CARL centers on Revenue Growth, Debt/Equity. Revenue growth of 58.2% demonstrates continued momentum.
Bull Case : HQY
The strongest argument for HQY centers on Operating Margin, EPS Growth. Profitability is solid with margins at 17.2% and operating margin at 29.3%. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bear Case : CARL
The primary concerns for CARL are EPS Growth, Altman Z-Score, Market Cap.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
CARL profiles as a hypergrowth stock while HQY is a mature play — different risk/reward profiles.
CARL is growing revenue faster at 58.2% — sustainability is the question.
HQY generates stronger free cash flow (97M), providing more financial flexibility.
Monitor HEALTH INFORMATION SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HQY scores higher overall (66/100 vs 29/100), backed by strong 17.2% margins. 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.
Carlsmed, Inc. Common Stock
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Carlsmed, Inc. develops and operates a surgical platform for the treatment of complex adult spinal deformities that enables surgeons to harness clinical intelligence, advanced image recognition, and 3D printing technologies. The company is headquartered in Carlsbad, California.
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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