HealthEquity Inc (HQY)vsTeladoc Inc (TDOC)
HQY
HealthEquity Inc
$81.02
-0.14%
HEALTHCARE · Cap: $6.92B
TDOC
Teladoc Inc
$5.35
-3.08%
HEALTHCARE · Cap: $954.42M
Smart Verdict
WallStSmart Research — data-driven comparison
Teladoc Inc generates 93% more annual revenue ($2.53B vs $1.31B). HQY leads profitability with a 16.4% profit margin vs -7.9%. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
TDOC
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
$81.02
$34.11 discount
Intrinsic value data unavailable for TDOC.
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
Revenue surging 30.0% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -13.9% — below average capital efficiency
Distress zone — elevated risk
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 0.88 suggests the stock is reasonably priced for its growth.
Bull Case : TDOC
The strongest argument for TDOC centers on Price/Book, Revenue Growth. Revenue growth of 30.0% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : TDOC
The primary concerns for TDOC are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while TDOC is a growth play — different risk/reward profiles.
TDOC carries more volatility with a beta of 2.19 — expect wider price swings.
TDOC is growing revenue faster at 30.0% — 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.
Teladoc Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Teladoc Health, Inc. provides business-to-business virtual health care services in the United States and internationally. The company is headquartered in Purchase, New York.
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