HealthEquity Inc (HQY)vsPrivia Health Group Inc (PRVA)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
PRVA
Privia Health Group Inc
$20.54
-2.33%
HEALTHCARE · Cap: $2.60B
Smart Verdict
WallStSmart Research — data-driven comparison
Privia Health Group Inc generates 62% more annual revenue ($2.12B vs $1.31B). PRVA leads profitability with a 108.0% profit margin vs 16.4%. 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-
PRVA
Hold48
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
-156.5%
Fair Value
$8.42
Current Price
$20.54
$12.12 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%
Keeps 108 of every $100 in revenue as profit
Earnings expanding 132.8% YoY
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
17.4% revenue growth
Areas to Watch
Premium valuation, high expectations priced in
ROE of 4.0% — below average capital efficiency
Operating margin of 2.1%
Premium valuation, high expectations priced in
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 : PRVA
The strongest argument for PRVA centers on Profit Margin, EPS Growth, Debt/Equity. Profitability is solid with margins at 108.0% and operating margin at 2.1%. Revenue growth of 17.4% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : PRVA
The primary concerns for PRVA are Return on Equity, Operating Margin, P/E Ratio. A P/E of 116.8x leaves little room for execution misses.
Key Dynamics to Monitor
HQY profiles as a mature stock while PRVA is a growth play — different risk/reward profiles.
PRVA carries more volatility with a beta of 0.82 — expect wider price swings.
PRVA is growing revenue faster at 17.4% — sustainability is the question.
PRVA generates stronger free cash flow (126M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 48/100), 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.
Privia Health Group Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Privia Health Group, Inc. is a population health technology and medical practice management company in the United States.
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