WallStSmart

DarioHealth Corp (DRIO)vsHealthEquity Inc (HQY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 5211% more annual revenue ($1.31B vs $24.73M). HQY leads profitability with a 16.4% profit margin vs -1.7%. HQY earns a higher WallStSmart Score of 68/100 (B-).

DRIO

Avoid

26

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: -4.26

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 DRIO.

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

DRIO1 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

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

DRIO4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$54.00M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-63.4%2/10

ROE of -63.4% — below average capital efficiency

Revenue GrowthGrowth
-32.5%2/10

Revenue declined 32.5%

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 : DRIO

The strongest argument for DRIO centers on Price/Book.

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 : DRIO

The primary concerns for DRIO are EPS Growth, Market Cap, Return on Equity.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

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 1.16 — 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 26/100), 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.

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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