HealthEquity Inc (HQY)vsSimulations Plus Inc (SLP)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
SLP
Simulations Plus Inc
$11.54
-0.26%
HEALTHCARE · Cap: $240.55M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 1569% more annual revenue ($1.31B vs $78.68M). HQY leads profitability with a 16.4% profit margin vs -81.7%. HQY appears more attractively valued with a PEG of 0.89. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
SLP
Hold40
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.2%
Fair Value
$115.13
Current Price
$82.47
$32.66 discount
Intrinsic value data unavailable for SLP.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 92.4% YoY
Growing faster than its price suggests
Strong operational efficiency at 21.6%
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
2.0% earnings growth
Smaller company, higher risk/reward
Operating margin of 3.9%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 : SLP
The strongest argument for SLP centers on Price/Book.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : SLP
The primary concerns for SLP are EPS Growth, Market Cap, Operating Margin.
Key Dynamics to Monitor
HQY profiles as a mature stock while SLP is a turnaround play — different risk/reward profiles.
SLP carries more volatility with a beta of 1.22 — expect wider price swings.
HQY is growing revenue faster at 7.3% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 40/100), backed by strong 16.4% margins. 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.
Simulations Plus Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Simulations Plus, Inc. develops drug discovery and development software for mechanistic modeling, simulation, and prediction of molecule properties using artificial intelligence and machine learning technology worldwide. The company is headquartered in Lancaster, California.
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