WallStSmart

HealthEquity Inc (HQY)vsLifeMD Inc (LFMD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 592% more annual revenue ($1.34B vs $193.33M). HQY leads profitability with a 17.2% profit margin vs 2.9%. HQY earns a higher WallStSmart Score of 66/100 (B-).

HQY

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 7.5Value: 6.7Quality: 7.8
Piotroski: 7/9

LFMD

Avoid

23

out of 100

Grade: F

Growth: 4.7Profit: 2.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -1.68
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HQYUndervalued (+49.2%)

Margin of Safety

+49.2%

Fair Value

$151.32

Current Price

$88.67

$62.65 discount

UndervaluedFair: $151.32Overvalued

Intrinsic value data unavailable for LFMD.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HQY2 strengths · Avg: 8.0/10
Operating MarginProfitability
29.3%8/10

Strong operational efficiency at 29.3%

EPS GrowthGrowth
34.4%8/10

Earnings expanding 34.4% YoY

LFMD0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.1x4/10

Premium valuation, high expectations priced in

LFMD4 concerns · Avg: 3.5/10
Price/BookValuation
14.2x4/10

Trading at 14.2x book value

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$236.49M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Comparative Analysis Report

WallStSmart Research

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 1.27 suggests the stock is reasonably priced for its growth.

Bull Case : LFMD

LFMD has a balanced fundamental profile.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Bear Case : LFMD

The primary concerns for LFMD are Price/Book, EPS Growth, Market Cap. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

HQY profiles as a mature stock while LFMD is a value play — different risk/reward profiles.

LFMD carries more volatility with a beta of 1.99 — expect wider price swings.

HQY is growing revenue faster at 7.2% — sustainability is the question.

HQY generates stronger free cash flow (97M), providing more financial flexibility.

Bottom Line

HQY scores higher overall (66/100 vs 23/100), backed by strong 17.2% 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.

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.

LifeMD Inc

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

LifeMD, Inc. is a direct-to-patient telehealth company connecting consumers with healthcare professionals for care in various indications, including concierge care, men's sexual health, dermatology, and others in the United States. . The company is headquartered in New York, New York.

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