HealthEquity Inc (HQY)vsOPTIMIZERx Corp (OPRX)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
OPRX
OPTIMIZERx Corp
$6.78
+5.44%
HEALTHCARE · Cap: $120.64M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 1100% more annual revenue ($1.31B vs $109.43M). HQY leads profitability with a 16.4% profit margin vs 4.7%. HQY appears more attractively valued with a PEG of 0.89. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
OPRX
Hold49
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
-401.6%
Fair Value
$1.84
Current Price
$6.78
$4.94 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%
Reasonable price relative to book value
Strong operational efficiency at 27.7%
Areas to Watch
Premium valuation, high expectations priced in
Expensive relative to growth rate
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
4.7% margin — thin
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 : OPRX
The strongest argument for OPRX centers on Price/Book, Operating Margin.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : OPRX
The primary concerns for OPRX are PEG Ratio, Market Cap, Return on Equity. Thin 4.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
HQY profiles as a mature stock while OPRX is a value play — different risk/reward profiles.
OPRX carries more volatility with a beta of 1.24 — 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 49/100), 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.
OPTIMIZERx Corp
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
OptimizeRx Corporation is a digital health company providing communications solutions for life sciences companies, physicians, and patients. The company is headquartered in Rochester, Michigan.
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