HealthEquity Inc (HQY)vsHeartflow, Inc. Common Stock (HTFL)
HQY
HealthEquity Inc
$88.67
+3.07%
HEALTHCARE · Cap: $7.36B
HTFL
Heartflow, Inc. Common Stock
$28.10
-2.46%
HEALTHCARE · Cap: $2.67B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 599% more annual revenue ($1.34B vs $191.42M). HQY leads profitability with a 17.2% profit margin vs -58.4%. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
HTFL
Avoid30
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.2%
Fair Value
$151.32
Current Price
$88.67
$62.65 discount
Intrinsic value data unavailable for HTFL.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Revenue surging 41.3% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Premium valuation, high expectations priced in
Trading at 8.5x book value
0.0% earnings growth
ROE of -135.3% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 1.25 suggests the stock is reasonably priced for its growth.
Bull Case : HTFL
The strongest argument for HTFL centers on Revenue Growth, Debt/Equity. Revenue growth of 41.3% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : HTFL
The primary concerns for HTFL are Price/Book, EPS Growth, Return on Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while HTFL is a hypergrowth play — different risk/reward profiles.
HTFL is growing revenue faster at 41.3% — 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 30/100), 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.
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.
Heartflow, Inc. Common Stock
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
HeartFlow, Inc., a medical technology company, provides non-invasive solutions for diagnosing and managing coronary artery diseases globally. The company is headquartered in Mountain View, California.
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