HealthEquity Inc (HQY)vsSophia Genetics SA (SOPH)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
SOPH
Sophia Genetics SA
$4.72
-5.03%
HEALTHCARE · Cap: $371.96M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 1600% more annual revenue ($1.31B vs $77.27M). HQY leads profitability with a 16.4% profit margin vs -102.2%. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
SOPH
Avoid26
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 SOPH.
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 22.4% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
0.0% earnings growth
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
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 : SOPH
The strongest argument for SOPH centers on Revenue Growth. Revenue growth of 22.4% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : SOPH
The primary concerns for SOPH are EPS Growth, Market Cap, Debt/Equity.
Key Dynamics to Monitor
HQY profiles as a mature stock while SOPH is a growth play — different risk/reward profiles.
SOPH carries more volatility with a beta of 1.14 — expect wider price swings.
SOPH is growing revenue faster at 22.4% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 26/100), 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.
Sophia Genetics SA
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Sophia Genetics SA (SOPH) is a pioneering leader in data-driven medicine, focusing on advanced genomic and clinical data analytics that enhance patient outcomes. Utilizing cutting-edge machine learning algorithms, the company provides a comprehensive platform that aids hospitals and laboratories in interpreting complex genomic data, thus facilitating personalized treatment strategies, especially in oncology, rare diseases, and hereditary disorders. With a strong international footprint and strategic partnerships with premier healthcare organizations, Sophia Genetics is committed to transforming healthcare through precision medicine, solidifying its position as a front-runner in the genomics landscape.
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