HealthEquity Inc (HQY)vsNational Research Corp (NRC)
HQY
HealthEquity Inc
$88.67
+3.07%
HEALTHCARE · Cap: $7.39B
NRC
National Research Corp
$19.75
+3.73%
HEALTHCARE · Cap: $431.35M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 865% more annual revenue ($1.34B vs $138.64M). HQY leads profitability with a 17.2% profit margin vs 6.5%. HQY appears more attractively valued with a PEG of 1.27. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
NRC
Hold48
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.2%
Fair Value
$151.32
Current Price
$88.67
$62.65 discount
Margin of Safety
+50.5%
Fair Value
$27.80
Current Price
$19.75
$8.05 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Every $100 of equity generates 67 in profit
Areas to Watch
Premium valuation, high expectations priced in
3.7% revenue growth
Smaller company, higher risk/reward
6.5% margin — thin
Weak financial health signals
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 : NRC
The strongest argument for NRC centers on Return on Equity. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : NRC
The primary concerns for NRC are Revenue Growth, Market Cap, Profit Margin. A P/E of 49.1x leaves little room for execution misses. Debt-to-equity of 5.78 is elevated, increasing financial risk.
Key Dynamics to Monitor
HQY profiles as a mature stock while NRC is a value play — different risk/reward profiles.
NRC carries more volatility with a beta of 0.40 — 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 48/100), backed by strong 17.2% margins. NRC offers better value entry with a 50.5% margin of safety. Both earn "Strong Buy" and "Hold" 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.
National Research Corp
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
National Research Corporation provides analytics and information that make it easy to measure and improve the patient and employee experience in the United States and Canada. The company is headquartered in Lincoln, Nebraska.
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