HealthEquity Inc (HQY)vsLifeMD Inc (LFMD)
HQY
HealthEquity Inc
$96.26
+1.81%
HEALTHCARE · Cap: $7.72B
LFMD
LifeMD Inc
$3.05
+0.66%
HEALTHCARE · Cap: $147.01M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 611% more annual revenue ($1.36B vs $191.59M). HQY leads profitability with a 17.4% profit margin vs 0.1%. HQY earns a higher WallStSmart Score of 62/100 (C+).
HQY
Buy62
out of 100
Grade: C+
LFMD
Avoid26
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 LFMD.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
No standout strengths identified
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Trading at 17.9x book value
0.0% earnings growth
Smaller company, higher risk/reward
0.1% margin — thin
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 : LFMD
LFMD has a balanced fundamental profile.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : LFMD
The primary concerns for LFMD are Price/Book, EPS Growth, Market Cap. Thin 0.1% 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 2.06 — expect wider price swings.
HQY is growing revenue faster at 7.6% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 26/100), 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.
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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