WallStSmart

DarioHealth Corp (DRIO)vsHealthEquity Inc (HQY)

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Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 6387% more annual revenue ($1.36B vs $21.00M). HQY leads profitability with a 17.4% profit margin vs -169.9%. HQY earns a higher WallStSmart Score of 62/100 (C+).

DRIO

Avoid

23

out of 100

Grade: F

Growth: 2.7Profit: 4.0Value: 5.3Quality: 5.0
Piotroski: 3/9Altman Z: -5.45

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

DRIOUndervalued (+7.4%)

Margin of Safety

+7.4%

Fair Value

$11.88

Current Price

$6.63

$5.25 discount

UndervaluedFair: $11.88Overvalued
HQYUndervalued (+58.3%)

Margin of Safety

+58.3%

Fair Value

$184.63

Current Price

$88.25

$96.38 discount

UndervaluedFair: $184.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DRIO2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Return on EquityProfitability
100.5%10/10

Every $100 of equity generates 101 in profit

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

Strong operational efficiency at 28.4%

Areas to Watch

DRIO4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$67.91M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-3.6%2/10

Revenue declined 3.6%

HQY2 concerns · Avg: 4.0/10
P/E RatioValuation
34.1x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.864/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : DRIO

The strongest argument for DRIO centers on Price/Book, Return on 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 1.38 suggests the stock is reasonably priced for its growth.

Bear Case : DRIO

The primary concerns for DRIO are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : HQY

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

Key Dynamics to Monitor

DRIO profiles as a turnaround stock while HQY is a mature play — different risk/reward profiles.

DRIO carries more volatility with a beta of 1.12 — 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 23/100), 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.

DarioHealth Corp

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

DarioHealth Corp. The company is headquartered in New York, New York.

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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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