WallStSmart

Goodrx Holdings Inc (GDRX)vsHealthEquity Inc (HQY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 70% more annual revenue ($1.34B vs $787.89M). HQY leads profitability with a 17.2% profit margin vs 2.6%. HQY trades at a lower P/E of 33.1x. HQY earns a higher WallStSmart Score of 66/100 (B-).

GDRX

Avoid

35

out of 100

Grade: F

Growth: 2.7Profit: 5.0Value: 4.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.20

HQY

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 6.7Quality: 7.8
Piotroski: 7/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for GDRX.

HQYUndervalued (+49.2%)

Margin of Safety

+49.2%

Fair Value

$151.32

Current Price

$88.67

$62.65 discount

UndervaluedFair: $151.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GDRX1 strengths · Avg: 8.0/10
Price/BookValuation
1.6x8/10

Reasonable price relative to book value

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

GDRX4 concerns · Avg: 2.8/10
Market CapQuality
$897.49M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

P/E RatioValuation
44.2x2/10

Premium valuation, high expectations priced in

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.1x4/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : GDRX

The strongest argument for GDRX centers on Price/Book.

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 : GDRX

The primary concerns for GDRX are Market Cap, Return on Equity, Profit Margin. A P/E of 44.2x leaves little room for execution misses. Thin 2.6% margins leave little buffer for downturns.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Key Dynamics to Monitor

GDRX profiles as a value stock while HQY is a mature play — different risk/reward profiles.

GDRX carries more volatility with a beta of 1.61 — 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 35/100), 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.

Goodrx Holdings Inc

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

GoodRx Holdings, Inc. provides information and tools that allow consumers to compare prices and save when buying prescription drugs in the United States. The company is headquartered in Santa Monica, California.

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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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