HealthEquity Inc (HQY)vsNational Research Corp (NRC)
HQY
HealthEquity Inc
$96.26
+1.81%
HEALTHCARE · Cap: $7.72B
NRC
National Research Corp
$21.12
-0.66%
HEALTHCARE · Cap: $476.23M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 873% more annual revenue ($1.36B vs $140.00M). HQY leads profitability with a 17.4% profit margin vs 4.2%. NRC appears more attractively valued with a PEG of 1.32. HQY earns a higher WallStSmart Score of 62/100 (C+).
HQY
Buy62
out of 100
Grade: C+
NRC
Hold42
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.5%
Fair Value
$185.20
Current Price
$96.26
$88.94 discount
Margin of Safety
+51.3%
Fair Value
$28.23
Current Price
$21.12
$7.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Every $100 of equity generates 89 in profit
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
4.0% revenue growth
Smaller company, higher risk/reward
4.2% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HQY
The strongest argument for HQY centers on Operating Margin. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.40 suggests the stock is reasonably priced for its growth.
Bull Case : NRC
The strongest argument for NRC centers on Return on Equity. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : NRC
The primary concerns for NRC are Revenue Growth, Market Cap, Profit Margin. A P/E of 89.7x leaves little room for execution misses. Debt-to-equity of 13.75 is elevated, increasing financial risk.
Key Dynamics to Monitor
HQY profiles as a mature stock while NRC is a value play — different risk/reward profiles.
NRC carries more volatility with a beta of 0.38 — expect wider price swings.
HQY is growing revenue faster at 7.6% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 42/100), backed by strong 17.4% margins. NRC offers better value entry with a 51.3% margin of safety. 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.
National Research Corp
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
National Research Corporation provides analytics and information that make it easy to measure and improve the patient and employee experience in the United States and Canada. The company is headquartered in Lincoln, Nebraska.
Compare with Other HEALTH INFORMATION SERVICES Stocks
Want to dig deeper into these stocks?