HealthEquity Inc (HQY)vsVeeva Systems Inc Class A (VEEV)
HQY
HealthEquity Inc
$83.25
+0.75%
HEALTHCARE · Cap: $6.96B
VEEV
Veeva Systems Inc Class A
$167.35
-2.24%
HEALTHCARE · Cap: $28.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Veeva Systems Inc Class A generates 143% more annual revenue ($3.20B vs $1.31B). VEEV leads profitability with a 28.4% profit margin vs 16.4%. VEEV appears more attractively valued with a PEG of 0.79. VEEV earns a higher WallStSmart Score of 69/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
VEEV
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+54.4%
Fair Value
$168.62
Current Price
$83.25
$85.37 discount
Margin of Safety
+40.0%
Fair Value
$295.05
Current Price
$167.35
$127.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 92.4% YoY
Strong operational efficiency at 21.6%
Conservative balance sheet, low leverage
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Strong operational efficiency at 29.4%
16.0% revenue growth
Earnings expanding 23.2% YoY
Areas to Watch
Premium valuation, high expectations priced in
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : HQY
The strongest argument for HQY centers on EPS Growth, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 1.19 suggests the stock is reasonably priced for its growth.
Bull Case : VEEV
The strongest argument for VEEV centers on Debt/Equity, Profit Margin, PEG Ratio. Profitability is solid with margins at 28.4% and operating margin at 29.4%. Revenue growth of 16.0% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : VEEV
The primary concerns for VEEV are P/E Ratio.
Key Dynamics to Monitor
HQY profiles as a mature stock while VEEV is a growth play — different risk/reward profiles.
VEEV carries more volatility with a beta of 1.10 — expect wider price swings.
VEEV is growing revenue faster at 16.0% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
VEEV scores higher overall (69/100 vs 66/100), backed by strong 28.4% margins and 16.0% revenue growth. HQY offers better value entry with a 54.4% margin of safety. Both earn "Strong Buy" and "Strong Buy" 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.
Veeva Systems Inc Class A
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Veeva Systems Inc. provides cloud-based software for the life sciences industry in North America, Europe, Asia Pacific, the Middle East, Africa, and Latin America. The company is headquartered in Pleasanton, California.
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