HealthEquity Inc (HQY)vsTempus AI, Inc. Class A Common Stock (TEM)
HQY
HealthEquity Inc
$104.63
+1.15%
HEALTHCARE · Cap: $8.41B
TEM
Tempus AI, Inc. Class A Common Stock
$52.05
+12.86%
HEALTHCARE · Cap: $7.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Tempus AI, Inc. Class A Common Stock generates 2% more annual revenue ($1.36B vs $1.34B). HQY leads profitability with a 17.2% profit margin vs -22.2%. HQY earns a higher WallStSmart Score of 66/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
TEM
Avoid31
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.6%
Fair Value
$181.42
Current Price
$104.63
$76.79 discount
Intrinsic value data unavailable for TEM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Revenue surging 36.1% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
0.0% earnings growth
Trading at 22.4x book value
ROE of -72.7% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : HQY
The strongest argument for HQY centers on Operating Margin, EPS Growth. Profitability is solid with margins at 17.2% and operating margin at 29.3%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bull Case : TEM
The strongest argument for TEM centers on Revenue Growth. Revenue growth of 36.1% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : TEM
The primary concerns for TEM are EPS Growth, Price/Book, Return on Equity. Debt-to-equity of 3.17 is elevated, increasing financial risk.
Key Dynamics to Monitor
HQY profiles as a mature stock while TEM is a hypergrowth play — different risk/reward profiles.
TEM carries more volatility with a beta of 3.46 — expect wider price swings.
TEM is growing revenue faster at 36.1% — sustainability is the question.
HQY generates stronger free cash flow (97M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (66/100 vs 31/100), backed by strong 17.2% 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.
Tempus AI, Inc. Class A Common Stock
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Tempus AI, Inc is a healthcare technology company. The company is headquartered in Chicago, Illinois.
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