WallStSmart

Heartbeam Inc (BEAT)vsHealthEquity Inc (HQY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HQY leads profitability with a 16.4% profit margin vs 0.0%. HQY earns a higher WallStSmart Score of 68/100 (B-).

BEAT

Avoid

16

out of 100

Grade: F

Growth: 4.3Profit: 3.0Value: 5.0Quality: 2.8
Piotroski: 1/9Altman Z: -44.35

HQY

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.0Value: 10.0Quality: 6.5
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BEAT.

HQYUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$115.13

Current Price

$82.47

$32.66 discount

UndervaluedFair: $115.13Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BEAT0 strengths · Avg: 0/10

No standout strengths identified

HQY3 strengths · Avg: 8.7/10
EPS GrowthGrowth
92.4%10/10

Earnings expanding 92.4% YoY

PEG RatioValuation
0.898/10

Growing faster than its price suggests

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

Areas to Watch

BEAT4 concerns · Avg: 3.8/10
Price/BookValuation
16.0x4/10

Trading at 16.0x book value

Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$47.25M3/10

Smaller company, higher risk/reward

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.4x4/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : BEAT

BEAT has a balanced fundamental profile.

Bull 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 0.89 suggests the stock is reasonably priced for its growth.

Bear Case : BEAT

The primary concerns for BEAT are Price/Book, Revenue Growth, EPS Growth.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

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 0.32 — expect wider price swings.

HQY is growing revenue faster at 7.3% — sustainability is the question.

HQY generates stronger free cash flow (102M), providing more financial flexibility.

Bottom Line

HQY scores higher overall (68/100 vs 16/100), backed by strong 16.4% margins. 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.

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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