HealthEquity Inc (HQY)vsHeartflow, Inc. Common Stock (HTFL)
HQY
HealthEquity Inc
$96.26
+1.81%
HEALTHCARE · Cap: $7.72B
HTFL
Heartflow, Inc. Common Stock
$49.88
+9.65%
HEALTHCARE · Cap: $4.15B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 542% more annual revenue ($1.36B vs $212.07M). HQY leads profitability with a 17.4% profit margin vs -55.8%. HQY earns a higher WallStSmart Score of 62/100 (C+).
HQY
Buy62
out of 100
Grade: C+
HTFL
Avoid30
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.5%
Fair Value
$185.20
Current Price
$96.26
$88.94 discount
Intrinsic value data unavailable for HTFL.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Revenue surging 47.6% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Trading at 15.4x 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. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.40 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 47.6% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
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 47.6% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Monitor HEALTH INFORMATION SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HQY scores higher overall (62/100 vs 30/100), backed by strong 17.4% margins. Both earn "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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