American Well Corp (AMWL)vsHealthEquity Inc (HQY)
AMWL
American Well Corp
$12.64
+3.02%
HEALTHCARE · Cap: $208.70M
HQY
HealthEquity Inc
$91.90
+0.93%
HEALTHCARE · Cap: $7.45B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 523% more annual revenue ($1.36B vs $218.53M). HQY leads profitability with a 17.4% profit margin vs -35.7%. HQY earns a higher WallStSmart Score of 62/100 (C+).
AMWL
Avoid31
out of 100
Grade: F
HQY
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+53.5%
Fair Value
$9.30
Current Price
$12.64
$3.34 discount
Margin of Safety
+58.2%
Fair Value
$184.07
Current Price
$91.90
$92.17 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Strong operational efficiency at 28.4%
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -38.7% — below average capital efficiency
Revenue declined 26.6%
Premium valuation, high expectations priced in
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AMWL
The strongest argument for AMWL centers on Price/Book, Debt/Equity.
Bull Case : HQY
The strongest argument for HQY centers on Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : AMWL
The primary concerns for AMWL are EPS Growth, Market Cap, Return on Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Key Dynamics to Monitor
AMWL profiles as a turnaround stock while HQY is a mature play — different risk/reward profiles.
AMWL carries more volatility with a beta of 1.68 — expect wider price swings.
HQY is growing revenue faster at 7.6% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 31/100), backed by strong 17.4% margins. AMWL offers better value entry with a 53.5% margin of safety. Both earn "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.
American Well Corp
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
American Well Corporation is a telehealth business enabling digital healthcare delivery. The company is headquartered in Boston, Massachusetts.
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.
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