HealthEquity Inc (HQY)vsLifeMD Inc (LFMD)
HQY
HealthEquity Inc
$88.67
+3.07%
HEALTHCARE · Cap: $7.39B
LFMD
LifeMD Inc
$4.56
-2.77%
HEALTHCARE · Cap: $236.49M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 592% more annual revenue ($1.34B vs $193.33M). HQY leads profitability with a 17.2% profit margin vs 2.9%. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
LFMD
Avoid23
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 LFMD.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
No standout strengths identified
Areas to Watch
Premium valuation, high expectations priced in
Trading at 14.2x book value
0.0% earnings growth
Smaller company, higher risk/reward
2.9% margin — thin
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 1.27 suggests the stock is reasonably priced for its growth.
Bull Case : LFMD
LFMD has a balanced fundamental profile.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : LFMD
The primary concerns for LFMD are Price/Book, EPS Growth, Market Cap. Thin 2.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
HQY profiles as a mature stock while LFMD is a value play — different risk/reward profiles.
LFMD carries more volatility with a beta of 1.99 — 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 23/100), 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.
LifeMD Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
LifeMD, Inc. is a direct-to-patient telehealth company connecting consumers with healthcare professionals for care in various indications, including concierge care, men's sexual health, dermatology, and others in the United States. . The company is headquartered in New York, New York.
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