HealthEquity Inc (HQY)vsHealthStream Inc (HSTM)
HQY
HealthEquity Inc
$103.05
+0.02%
HEALTHCARE · Cap: $8.56B
HSTM
HealthStream Inc
$28.29
-2.04%
HEALTHCARE · Cap: $993.75M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 315% more annual revenue ($1.36B vs $327.95M). HQY leads profitability with a 17.4% profit margin vs 6.3%. HQY appears more attractively valued with a PEG of 1.26. HQY earns a higher WallStSmart Score of 62/100 (C+).
HQY
Buy62
out of 100
Grade: C+
HSTM
Hold41
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.8%
Fair Value
$182.42
Current Price
$103.05
$79.37 discount
Intrinsic value data unavailable for HSTM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Smaller company, higher risk/reward
ROE of 5.1% — below average capital efficiency
6.3% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HQY
The strongest argument for HQY centers on Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.26 suggests the stock is reasonably priced for its growth.
Bull Case : HSTM
The strongest argument for HSTM centers on Debt/Equity, Price/Book.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : HSTM
The primary concerns for HSTM are Market Cap, Return on Equity, Profit Margin. A P/E of 46.4x leaves little room for execution misses.
Key Dynamics to Monitor
HQY profiles as a mature stock while HSTM is a value play — different risk/reward profiles.
HSTM carries more volatility with a beta of 0.43 — expect wider price swings.
HSTM is growing revenue faster at 8.9% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 41/100), backed by strong 17.4% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
HealthStream Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
HealthStream, Inc. provides provider and staff solutions for healthcare organizations in the United States. The company is headquartered in Nashville, Tennessee.
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