Healthcare Triangle Inc (HCTI)vsHealthEquity Inc (HQY)
HCTI
Healthcare Triangle Inc
$1.81
-3.49%
HEALTHCARE · Cap: $4.44M
HQY
HealthEquity Inc
$90.32
+3.07%
HEALTHCARE · Cap: $7.11B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 6572% more annual revenue ($1.34B vs $20.04M). HQY leads profitability with a 17.2% profit margin vs -69.7%. HCTI trades at a lower P/E of 0.0x. HQY earns a higher WallStSmart Score of 66/100 (B-).
HCTI
Hold41
out of 100
Grade: D
HQY
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for HCTI.
Margin of Safety
+49.0%
Fair Value
$150.82
Current Price
$90.32
$60.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 166.1% year-over-year
Conservative balance sheet, low leverage
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -26.5% — below average capital efficiency
Premium valuation, high expectations priced in
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : HCTI
The strongest argument for HCTI centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 166.1% demonstrates continued momentum.
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 1.22 suggests the stock is reasonably priced for its growth.
Bear Case : HCTI
The primary concerns for HCTI 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
HCTI profiles as a hypergrowth stock while HQY is a mature play — different risk/reward profiles.
HCTI carries more volatility with a beta of 1.05 — expect wider price swings.
HCTI is growing revenue faster at 166.1% — sustainability is the question.
HQY generates stronger free cash flow (97M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (66/100 vs 41/100), backed by strong 17.2% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Healthcare Triangle Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Healthcare Triangle, Inc. is a healthcare information technology company. The company is headquartered in Pleasanton, 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.
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