HealthEquity Inc (HQY)vsSHL Telemedicine Ltd American Depositary Shares (SHLT)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
SHLT
SHL Telemedicine Ltd American Depositary Shares
$2.05
0.00%
HEALTHCARE · Cap: $39.26M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 2248% more annual revenue ($1.31B vs $55.94M). HQY leads profitability with a 16.4% profit margin vs -15.8%. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
SHLT
Avoid32
out of 100
Grade: F
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 SHLT.
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
Areas to Watch
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -11.5% — below average capital efficiency
Revenue declined 3.9%
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 : SHLT
The strongest argument for SHLT centers on Price/Book.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : SHLT
The primary concerns for SHLT are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while SHLT is a turnaround play — different risk/reward profiles.
HQY carries more volatility with a beta of 0.32 — 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 32/100), backed by strong 16.4% margins. Both earn "Strong Buy" and "Avoid" 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.
SHL Telemedicine Ltd American Depositary Shares
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
SHL Telemedicine Ltd., develops and markets personal telemedicine solutions in Israel, Europe, and internationally. The company is headquartered in Tel Aviv, Israel.
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