Claritev Corporation (CTEV)vsHealthEquity Inc (HQY)
CTEV
Claritev Corporation
$15.35
-0.65%
HEALTHCARE · Cap: $246.47M
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 36% more annual revenue ($1.31B vs $965.41M). HQY leads profitability with a 16.4% profit margin vs -29.4%. HQY earns a higher WallStSmart Score of 68/100 (B-).
CTEV
Avoid33
out of 100
Grade: F
HQY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CTEV.
Margin of Safety
+33.2%
Fair Value
$115.13
Current Price
$82.47
$32.66 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Earnings expanding 92.4% YoY
Growing faster than its price suggests
Strong operational efficiency at 21.6%
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -6.5% — below average capital efficiency
Distress zone — elevated risk
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CTEV
The strongest argument for CTEV centers on Debt/Equity.
Bull Case : HQY
The strongest argument for HQY centers on EPS Growth, PEG Ratio, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : CTEV
The primary concerns for CTEV are EPS Growth, Market Cap, Return on Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
CTEV profiles as a turnaround stock while HQY is a mature play — different risk/reward profiles.
CTEV carries more volatility with a beta of 0.68 — 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 (68/100 vs 33/100), backed by strong 16.4% 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.
Claritev Corporation
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Claritev Corporation, provides data analytics and technology-enabled cost management, payment, and revenue integrity solutions to the healthcare industry in the United States. The company is headquartered in New York, New York.
Visit Website →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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