Carlsmed, Inc. Common Stock (CARL)vsHealthEquity Inc (HQY)
CARL
Carlsmed, Inc. Common Stock
$10.19
-2.02%
HEALTHCARE · Cap: $335.19M
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 2835% more annual revenue ($1.31B vs $44.75M). HQY leads profitability with a 16.4% profit margin vs -57.5%. HQY earns a higher WallStSmart Score of 68/100 (B-).
CARL
Avoid31
out of 100
Grade: F
HQY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CARL.
Margin of Safety
+33.2%
Fair Value
$115.13
Current Price
$82.47
$32.66 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 98.4% year-over-year
Reasonable price relative to book value
Earnings expanding 92.4% YoY
Growing faster than its price suggests
Strong operational efficiency at 21.6%
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CARL
The strongest argument for CARL centers on Revenue Growth, Price/Book. Revenue growth of 98.4% demonstrates continued momentum.
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 : CARL
The primary concerns for CARL are EPS Growth, Market Cap, Return on Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
CARL profiles as a hypergrowth stock while HQY is a mature play — different risk/reward profiles.
CARL is growing revenue faster at 98.4% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Monitor HEALTH INFORMATION SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HQY scores higher overall (68/100 vs 31/100), 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.
Carlsmed, Inc. Common Stock
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Carlsmed, Inc. develops and operates a surgical platform for the treatment of complex adult spinal deformities that enables surgeons to harness clinical intelligence, advanced image recognition, and 3D printing technologies. The company is headquartered in Carlsbad, California.
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.
Compare with Other HEALTH INFORMATION SERVICES Stocks
Want to dig deeper into these stocks?