HealthEquity Inc (HQY)vsEli Lilly and Company (LLY)
HQY
HealthEquity Inc
$101.34
+0.46%
HEALTHCARE · Cap: $7.61B
LLY
Eli Lilly and Company
$1,372.99
+6.57%
HEALTHCARE · Cap: $1.12T
Smart Verdict
WallStSmart Research — data-driven comparison
Eli Lilly and Company generates 5749% more annual revenue ($79.67B vs $1.36B). LLY leads profitability with a 33.5% profit margin vs 17.4%. LLY appears more attractively valued with a PEG of 1.14. LLY earns a higher WallStSmart Score of 76/100 (B+).
HQY
Buy62
out of 100
Grade: C+
LLY
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.0%
Fair Value
$182.94
Current Price
$101.34
$81.60 discount
Intrinsic value data unavailable for LLY.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Mega-cap, among the largest globally
Every $100 of equity generates 79 in profit
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 54.2%
Revenue surging 47.7% year-over-year
Earnings expanding 26.2% YoY
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Elevated debt levels
Premium valuation, high expectations priced in
Trading at 36.1x book value
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 1.32 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 33.5% and operating margin at 54.2%. Revenue growth of 47.7% 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 Debt/Equity, P/E Ratio, Price/Book. A P/E of 42.2x leaves little room for execution misses. Debt-to-equity of 1.62 is elevated, increasing financial risk.
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 0.45 — expect wider price swings.
LLY is growing revenue faster at 47.7% — sustainability is the question.
LLY generates stronger free cash flow (7.8B), providing more financial flexibility.
Bottom Line
LLY scores higher overall (76/100 vs 62/100), backed by strong 33.5% margins and 47.7% revenue growth. HQY offers better value entry with a 58.0% margin of safety. Both earn "Strong Buy" and "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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