WallStSmart

HealthEquity Inc (HQY)vsOneMedNet Corp. (ONMD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 265776% more annual revenue ($1.31B vs $494,000). HQY leads profitability with a 16.4% profit margin vs 0.0%. HQY earns a higher WallStSmart Score of 68/100 (B-).

HQY

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.0Value: 10.0Quality: 6.5
Piotroski: 4/9

ONMD

Avoid

22

out of 100

Grade: F

Growth: 4.7Profit: 3.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HQYUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$115.13

Current Price

$82.47

$32.66 discount

UndervaluedFair: $115.13Overvalued

Intrinsic value data unavailable for ONMD.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HQY3 strengths · Avg: 8.7/10
EPS GrowthGrowth
92.4%10/10

Earnings expanding 92.4% YoY

PEG RatioValuation
0.898/10

Growing faster than its price suggests

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

ONMD1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
24.6%8/10

Revenue surging 24.6% year-over-year

Areas to Watch

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.4x4/10

Premium valuation, high expectations priced in

ONMD4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$38.70M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : HQY

The strongest argument for HQY centers on EPS Growth, PEG Ratio, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 0.89 suggests the stock is reasonably priced for its growth.

Bull Case : ONMD

The strongest argument for ONMD centers on Revenue Growth. Revenue growth of 24.6% demonstrates continued momentum.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Bear Case : ONMD

The primary concerns for ONMD are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

HQY profiles as a mature stock while ONMD is a growth play — different risk/reward profiles.

ONMD carries more volatility with a beta of 1.09 — expect wider price swings.

ONMD is growing revenue faster at 24.6% — sustainability is the question.

HQY generates stronger free cash flow (102M), providing more financial flexibility.

Bottom Line

HQY scores higher overall (68/100 vs 22/100), backed by strong 16.4% margins. Both earn "Strong 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.

OneMedNet Corp.

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

OneMedNet Corporation develops technology that focuses on accessing and sharing health data. The company is headquartered in Eden Prairie, Minnesota with a development office in Vancouver, Canada.

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