HealthEquity Inc (HQY)vsEli Lilly and Company (LLY)
HQY
HealthEquity Inc
$101.24
+2.21%
HEALTHCARE · Cap: $8.17B
LLY
Eli Lilly and Company
$1,210.32
-0.85%
HEALTHCARE · Cap: $1.02T
Smart Verdict
WallStSmart Research — data-driven comparison
Eli Lilly and Company generates 5303% more annual revenue ($72.25B vs $1.34B). LLY leads profitability with a 35.0% profit margin vs 17.2%. HQY appears more attractively valued with a PEG of 1.40. LLY earns a higher WallStSmart Score of 76/100 (B+).
HQY
Strong Buy66
out of 100
Grade: B-
LLY
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.6%
Fair Value
$181.42
Current Price
$101.24
$80.18 discount
Intrinsic value data unavailable for LLY.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 81 in profit
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Revenue surging 55.5% year-over-year
Earnings expanding 169.9% YoY
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Expensive relative to growth rate
Elevated debt levels
Premium valuation, high expectations priced in
Trading at 34.7x book value
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 1.40 suggests the stock is reasonably priced for its growth.
Bull Case : LLY
The strongest argument for LLY centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 35.0% and operating margin at 49.4%. Revenue growth of 55.5% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : LLY
The primary concerns for LLY are PEG Ratio, Debt/Equity, P/E Ratio. A P/E of 41.8x leaves little room for execution misses.
Key Dynamics to Monitor
HQY profiles as a mature stock while LLY is a growth play — different risk/reward profiles.
LLY carries more volatility with a beta of 0.51 — expect wider price swings.
LLY is growing revenue faster at 55.5% — sustainability is the question.
LLY generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
LLY scores higher overall (76/100 vs 66/100), backed by strong 35.0% margins and 55.5% revenue growth. HQY offers better value entry with a 57.6% margin of safety. Both earn "Strong Buy" and "Strong Buy" 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.
Eli Lilly and Company
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Eli Lilly and Company is an American pharmaceutical company headquartered in Indianapolis, Indiana, with offices in 18 countries. Its products are sold in approximately 125 countries.
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