HealthEquity Inc (HQY)vsNational Research Corp (NRC)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
NRC
National Research Corp
$17.18
-1.49%
HEALTHCARE · Cap: $398.29M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 856% more annual revenue ($1.31B vs $137.39M). HQY leads profitability with a 16.4% profit margin vs 8.4%. HQY trades at a lower P/E of 33.4x. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
NRC
Hold42
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
-304.4%
Fair Value
$3.40
Current Price
$17.18
$13.78 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%
Every $100 of equity generates 51 in profit
Strong operational efficiency at 32.2%
Areas to Watch
Premium valuation, high expectations priced in
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Trading at 27.7x book value
Revenue declined 4.6%
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 : NRC
The strongest argument for NRC centers on Return on Equity, Operating Margin.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : NRC
The primary concerns for NRC are P/E Ratio, Market Cap, Price/Book.
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 0.58 — expect wider price swings.
HQY is growing revenue faster at 7.3% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 42/100), 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.
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.
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