Healthcare Triangle Inc (HCTI)vsHealthEquity Inc (HQY)
HCTI
Healthcare Triangle Inc
$2.92
+11.45%
HEALTHCARE · Cap: $12.80M
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 10969% more annual revenue ($1.31B vs $11.87M). HQY leads profitability with a 16.4% profit margin vs -47.7%. HQY earns a higher WallStSmart Score of 68/100 (B-).
HCTI
Avoid32
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 HCTI.
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
19.2% revenue growth
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 -118.5% — below average capital efficiency
Negative free cash flow — burning cash
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : HCTI
The strongest argument for HCTI centers on Revenue Growth. Revenue growth of 19.2% 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 : HCTI
The primary concerns for HCTI are EPS Growth, Market Cap, Return on Equity.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
HCTI profiles as a growth stock while HQY is a mature play — different risk/reward profiles.
HCTI carries more volatility with a beta of 0.86 — expect wider price swings.
HCTI is growing revenue faster at 19.2% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 32/100), 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.
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.
Compare with Other HEALTH INFORMATION SERVICES Stocks
Want to dig deeper into these stocks?