WallStSmart

HealthEquity Inc (HQY)vsMiniMed Group, Inc. Common Stock (MMED)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

MiniMed Group, Inc. Common Stock generates 124% more annual revenue ($2.89B vs $1.29B). HQY leads profitability with a 14.9% profit margin vs -7.3%. HQY earns a higher WallStSmart Score of 64/100 (C+).

HQY

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 9.3Quality: 6.5
Piotroski: 4/9

MMED

Hold

37

out of 100

Grade: F

Growth: 5.3Profit: 5.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HQYUndervalued (+24.6%)

Margin of Safety

+24.6%

Fair Value

$102.02

Current Price

$81.02

$21.00 discount

UndervaluedFair: $102.02Overvalued

Intrinsic value data unavailable for MMED.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HQY3 strengths · Avg: 8.7/10
EPS GrowthGrowth
883.0%10/10

Earnings expanding 883.0% YoY

PEG RatioValuation
0.708/10

Growing faster than its price suggests

Operating MarginProfitability
24.8%8/10

Strong operational efficiency at 24.8%

MMED1 strengths · Avg: 10.0/10
Operating MarginProfitability
136.0%10/10

Strong operational efficiency at 136.0%

Areas to Watch

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
36.1x4/10

Premium valuation, high expectations priced in

MMED4 concerns · Avg: 2.5/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Free Cash FlowQuality
$-53.00M2/10

Negative free cash flow — burning cash

Profit MarginProfitability
-7.3%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : HQY

The strongest argument for HQY centers on EPS Growth, PEG Ratio, Operating Margin. PEG of 0.70 suggests the stock is reasonably priced for its growth.

Bull Case : MMED

The strongest argument for MMED centers on Operating Margin. Revenue growth of 13.1% demonstrates continued momentum.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Bear Case : MMED

The primary concerns for MMED are EPS Growth, Return on Equity, Free Cash Flow.

Key Dynamics to Monitor

HQY profiles as a value stock while MMED is a turnaround play — different risk/reward profiles.

MMED is growing revenue faster at 13.1% — sustainability is the question.

HQY generates stronger free cash flow (102M), providing more financial flexibility.

Monitor HEALTH INFORMATION SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HQY scores higher overall (64/100 vs 37/100). Both earn "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.

MiniMed Group, Inc. Common Stock

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

Minimed Group, Inc. is a medical technology company that develops, manufactures, and markets medical equipment for the management of diabetes. The company is headquartered in Northridge, California.

Want to dig deeper into these stocks?