WallStSmart

Bullfrog AI Holdings, Inc. Common Stock (BFRG)vsHealthEquity Inc (HQY)

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Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 1146061% more annual revenue ($1.34B vs $116,670). HQY leads profitability with a 17.2% profit margin vs 0.0%. HQY earns a higher WallStSmart Score of 66/100 (B-).

BFRG

Avoid

18

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 5.0Quality: 6.5
Piotroski: 3/9Altman Z: -16.47

HQY

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 6.7Quality: 7.8
Piotroski: 7/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BFRG.

HQYUndervalued (+49.2%)

Margin of Safety

+49.2%

Fair Value

$151.32

Current Price

$88.67

$62.65 discount

UndervaluedFair: $151.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BFRG1 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

HQY2 strengths · Avg: 8.0/10
Operating MarginProfitability
29.3%8/10

Strong operational efficiency at 29.3%

EPS GrowthGrowth
34.4%8/10

Earnings expanding 34.4% YoY

Areas to Watch

BFRG4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$14.28M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.1x4/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : BFRG

The strongest argument for BFRG centers on Debt/Equity.

Bull 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 1.27 suggests the stock is reasonably priced for its growth.

Bear Case : BFRG

The primary concerns for BFRG are EPS Growth, Market Cap, Profit Margin.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Key Dynamics to Monitor

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

HQY carries more volatility with a beta of 0.21 — 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 18/100), backed by strong 17.2% 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.

Bullfrog AI Holdings, Inc. Common Stock

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

BullFrog AI Holdings, Inc., is a digital biopharmaceutical company that focuses on artificial intelligence and machine learning (AI/ML) driven analysis of data sets in medicine and healthcare in the United States. The company is headquartered in Gaithersburg, Maryland.

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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