HealthEquity Inc (HQY)vsEli Lilly and Company (LLY)
HQY
HealthEquity Inc
$81.48
+0.37%
HEALTHCARE · Cap: $6.97B
LLY
Eli Lilly and Company
$851.21
-2.61%
HEALTHCARE · Cap: $789.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Eli Lilly and Company generates 4863% more annual revenue ($65.18B vs $1.31B). LLY leads profitability with a 31.7% profit margin vs 16.4%. HQY appears more attractively valued with a PEG of 1.19. LLY earns a higher WallStSmart Score of 78/100 (B+).
HQY
Strong Buy66
out of 100
Grade: B-
LLY
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+54.7%
Fair Value
$169.68
Current Price
$81.48
$88.20 discount
Intrinsic value data unavailable for LLY.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 92.4% YoY
Strong operational efficiency at 21.6%
Mega-cap, among the largest globally
Every $100 of equity generates 101 in profit
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 44.9%
Revenue surging 42.6% year-over-year
Earnings expanding 51.4% YoY
Areas to Watch
Premium valuation, high expectations priced in
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 28.7x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : HQY
The strongest argument for HQY centers on EPS Growth, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 1.19 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 31.7% and operating margin at 44.9%. Revenue growth of 42.6% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : LLY
The primary concerns for LLY are P/E Ratio, Debt/Equity, Price/Book. Debt-to-equity of 1.60 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 0.50 — expect wider price swings.
LLY is growing revenue faster at 42.6% — sustainability is the question.
LLY generates stronger free cash flow (678M), providing more financial flexibility.
Bottom Line
LLY scores higher overall (78/100 vs 66/100), backed by strong 31.7% margins and 42.6% revenue growth. HQY offers better value entry with a 54.7% 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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