HealthEquity Inc (HQY)vsHealthStream Inc (HSTM)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
HSTM
HealthStream Inc
$20.97
-0.76%
HEALTHCARE · Cap: $603.45M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 332% more annual revenue ($1.31B vs $304.06M). HQY leads profitability with a 16.4% profit margin vs 6.0%. HQY appears more attractively valued with a PEG of 0.89. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
HSTM
Hold47
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.2%
Fair Value
$115.13
Current Price
$82.47
$32.66 discount
Margin of Safety
-385.8%
Fair Value
$4.15
Current Price
$20.97
$16.82 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 92.4% YoY
Growing faster than its price suggests
Strong operational efficiency at 21.6%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Expensive relative to growth rate
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 5.1% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HSTM
The strongest argument for HSTM centers on Debt/Equity, Price/Book.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : HSTM
The primary concerns for HSTM are PEG Ratio, P/E Ratio, Market Cap.
Key Dynamics to Monitor
HQY profiles as a mature stock while HSTM is a value play — different risk/reward profiles.
HSTM carries more volatility with a beta of 0.46 — expect wider price swings.
HSTM is growing revenue faster at 7.4% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 47/100), backed by strong 16.4% 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.
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.
HealthStream Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
HealthStream, Inc. provides provider and staff solutions for healthcare organizations in the United States. The company is headquartered in Nashville, Tennessee.
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