HealthEquity Inc (HQY)vsTempus AI, Inc. Class A Common Stock (TEM)
HQY
HealthEquity Inc
$91.75
-2.93%
HEALTHCARE · Cap: $7.82B
TEM
Tempus AI, Inc. Class A Common Stock
$77.19
-1.08%
HEALTHCARE · Cap: $14.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Tempus AI, Inc. Class A Common Stock generates 5% more annual revenue ($1.43B vs $1.36B). HQY leads profitability with a 17.4% profit margin vs -17.8%. HQY earns a higher WallStSmart Score of 62/100 (C+).
HQY
Buy62
out of 100
Grade: C+
TEM
Avoid28
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.3%
Fair Value
$184.63
Current Price
$91.75
$92.88 discount
Intrinsic value data unavailable for TEM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Revenue surging 21.6% year-over-year
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
0.0% earnings growth
Trading at 31.3x book value
ROE of -57.2% — 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. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bull Case : TEM
The strongest argument for TEM centers on Revenue Growth. Revenue growth of 21.6% 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 3.25 is elevated, increasing financial risk.
Key Dynamics to Monitor
HQY profiles as a mature stock while TEM is a growth play — different risk/reward profiles.
TEM carries more volatility with a beta of 3.72 — expect wider price swings.
TEM is growing revenue faster at 21.6% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 28/100), backed by strong 17.4% margins. Both earn "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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