WallStSmart

Heartbeam Inc (BEAT)vsHealthEquity Inc (HQY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HQY leads profitability with a 17.4% profit margin vs 0.0%. HQY earns a higher WallStSmart Score of 62/100 (C+).

BEAT

Avoid

21

out of 100

Grade: F

Growth: 4.3Profit: 3.0Value: 5.0Quality: 5.3
Piotroski: 2/9Altman Z: -29.61

HQY

Buy

62

out of 100

Grade: C+

Growth: 6.7Profit: 7.5Value: 6.7Quality: 7.5
Piotroski: 7/9Altman Z: 1.86
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BEAT.

HQYUndervalued (+58.5%)

Margin of Safety

+58.5%

Fair Value

$185.20

Current Price

$96.26

$88.94 discount

UndervaluedFair: $185.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BEAT1 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

HQY1 strengths · Avg: 8.0/10
Operating MarginProfitability
28.4%8/10

Strong operational efficiency at 28.4%

Areas to Watch

BEAT4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$22.90M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

HQY2 concerns · Avg: 4.0/10
P/E RatioValuation
33.7x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.864/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BEAT

The strongest argument for BEAT centers on Price/Book.

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 1.40 suggests the stock is reasonably priced for its growth.

Bear Case : BEAT

The primary concerns for BEAT are Revenue Growth, EPS Growth, Market Cap.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio, Altman Z-Score.

Key Dynamics to Monitor

BEAT profiles as a value stock while HQY is a mature play — different risk/reward profiles.

HQY carries more volatility with a beta of 0.23 — 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 21/100), backed by strong 17.4% margins. 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.

Heartbeam Inc

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

BioTelemetry, Inc., a remote medical technology company, provides remote heart monitoring, remote blood glucose monitoring, centralized central laboratory services for clinical trials, and original equipment manufacturing services for healthcare and clinical research clients throughout the world. The company is headquartered in Malvern, Pennsylvania.

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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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