HealthEquity Inc (HQY)vsTruBridge Inc. (TBRG)
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
TBRG
TruBridge Inc.
$14.60
-1.82%
HEALTHCARE · Cap: $223.22M
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 278% more annual revenue ($1.31B vs $347.27M). HQY leads profitability with a 16.4% profit margin vs 1.0%. TBRG appears more attractively valued with a PEG of 0.76. HQY earns a higher WallStSmart Score of 68/100 (B-).
HQY
Strong Buy68
out of 100
Grade: B-
TBRG
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
-1056.4%
Fair Value
$1.63
Current Price
$14.60
$12.97 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
Growing faster than its price suggests
Areas to Watch
Premium valuation, high expectations priced in
1.7% revenue growth
Smaller company, higher risk/reward
ROE of 2.0% — below average capital efficiency
1.0% 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 : TBRG
The strongest argument for TBRG centers on Price/Book, PEG Ratio. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Bear Case : TBRG
The primary concerns for TBRG are Revenue Growth, Market Cap, Return on Equity. A P/E of 62.0x leaves little room for execution misses. Thin 1.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
HQY profiles as a mature stock while TBRG is a value play — different risk/reward profiles.
TBRG carries more volatility with a beta of 0.65 — 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.
TruBridge Inc.
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
TruBridge, Inc. provides healthcare solutions and services for community hospitals, clinics, and other healthcare systems in the United States and internationally. The company is headquartered in Mobile, Alabama.
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