HealthEquity Inc (HQY)vsPhreesia Inc (PHR)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
PHR
Phreesia Inc
$11.28
0.00%
HEALTHCARE · Cap: $680.04M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 184% more annual revenue ($1.31B vs $463.20M). HQY leads profitability with a 16.4% profit margin vs -116.0%. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
PHR
Hold41
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
Intrinsic value data unavailable for PHR.
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%
Revenue surging 45.7% year-over-year
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -1.9% — below average capital efficiency
Currently unprofitable
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 : PHR
The strongest argument for PHR centers on Revenue Growth, Price/Book. Revenue growth of 45.7% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : PHR
The primary concerns for PHR are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while PHR is a hypergrowth play — different risk/reward profiles.
PHR carries more volatility with a beta of 0.72 — expect wider price swings.
PHR is growing revenue faster at 45.7% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 41/100), 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.
Phreesia Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Phreesia, Inc. provides integrated SaaS-based software and payment platform for the healthcare industry in the United States and Canada. The company is headquartered in Raleigh, North Carolina.
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