HealthEquity Inc (HQY)vs10X Genomics Inc (TXG)
HQY
HealthEquity Inc
$104.97
+0.58%
HEALTHCARE · Cap: $8.41B
TXG
10X Genomics Inc
$47.86
+1.81%
HEALTHCARE · Cap: $6.00B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 109% more annual revenue ($1.34B vs $638.78M). HQY leads profitability with a 17.2% profit margin vs -3.5%. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
TXG
Avoid20
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.6%
Fair Value
$181.42
Current Price
$104.97
$76.45 discount
Margin of Safety
+68.1%
Fair Value
$60.02
Current Price
$47.86
$12.16 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Conservative balance sheet, low leverage
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
0.0% earnings growth
Weak financial health signals
ROE of -2.8% — below average capital efficiency
Revenue declined 2.6%
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 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : TXG
The strongest argument for TXG centers on Debt/Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : TXG
The primary concerns for TXG are EPS Growth, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while TXG is a turnaround play — different risk/reward profiles.
TXG carries more volatility with a beta of 2.04 — 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 20/100), backed by strong 17.2% margins. TXG offers better value entry with a 68.1% margin of safety. 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.
10X Genomics Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
10x Genomics, Inc., a life science technology company, develops and sells instruments, consumables, and software for analyzing biological systems in North America, Europe, the Middle East, Africa, China, and Asia Pacific. The company is headquartered in Pleasanton, California.
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