HealthEquity Inc (HQY)vsHealthStream Inc (HSTM)
HQY
HealthEquity Inc
$88.46
+3.07%
HEALTHCARE · Cap: $7.11B
HSTM
HealthStream Inc
$26.73
-0.20%
HEALTHCARE · Cap: $749.08M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 329% more annual revenue ($1.34B vs $311.78M). HQY leads profitability with a 17.2% profit margin vs 6.4%. HQY appears more attractively valued with a PEG of 1.22. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
HSTM
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.0%
Fair Value
$150.82
Current Price
$88.46
$62.36 discount
Intrinsic value data unavailable for HSTM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 42.9% YoY
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 5.7% — below average capital efficiency
6.4% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HSTM
The strongest argument for HSTM centers on Debt/Equity, Price/Book, EPS Growth. Revenue growth of 10.5% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : HSTM
The primary concerns for HSTM are P/E Ratio, Market Cap, Return on Equity.
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 0.47 — expect wider price swings.
HSTM is growing revenue faster at 10.5% — sustainability is the question.
HQY generates stronger free cash flow (97M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (66/100 vs 55/100), backed by strong 17.2% margins. Both earn "Strong Buy" and "Buy" 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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