WallStSmart

DarioHealth Corp (DRIO)vsHealthEquity Inc (HQY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 6210% more annual revenue ($1.34B vs $21.19M). HQY leads profitability with a 17.2% profit margin vs -192.2%. HQY earns a higher WallStSmart Score of 66/100 (B-).

DRIO

Avoid

26

out of 100

Grade: F

Growth: 2.7Profit: 4.0Value: 6.7Quality: 5.5
Piotroski: 3/9Altman Z: -5.45

HQY

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 6.7Quality: 8.0
Piotroski: 7/9Altman Z: 1.86
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DRIOUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$16.47

Current Price

$7.50

$8.97 discount

UndervaluedFair: $16.47Overvalued
HQYUndervalued (+49.0%)

Margin of Safety

+49.0%

Fair Value

$150.82

Current Price

$88.67

$62.15 discount

UndervaluedFair: $150.82Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DRIO2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Return on EquityProfitability
100.5%10/10

Every $100 of equity generates 101 in profit

HQY2 strengths · Avg: 8.0/10
Operating MarginProfitability
29.3%8/10

Strong operational efficiency at 29.3%

EPS GrowthGrowth
34.4%8/10

Earnings expanding 34.4% YoY

Areas to Watch

DRIO4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$50.67M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-17.3%2/10

Revenue declined 17.3%

HQY2 concerns · Avg: 4.0/10
P/E RatioValuation
33.1x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.864/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : DRIO

The strongest argument for DRIO centers on Price/Book, Return on Equity.

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 : DRIO

The primary concerns for DRIO are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio, Altman Z-Score.

Key Dynamics to Monitor

DRIO profiles as a turnaround stock while HQY is a mature play — different risk/reward profiles.

DRIO carries more volatility with a beta of 1.08 — expect wider price swings.

HQY is growing revenue faster at 7.2% — sustainability is the question.

HQY generates stronger free cash flow (97M), providing more financial flexibility.

Bottom Line

HQY scores higher overall (66/100 vs 26/100), backed by strong 17.2% margins. DRIO offers better value entry with a 33.2% 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.

DarioHealth Corp

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

DarioHealth Corp. The company is headquartered in New York, New York.

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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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