HealthEquity Inc (HQY)vsVeeva Systems Inc Class A (VEEV)
HQY
HealthEquity Inc
$91.75
-2.93%
HEALTHCARE · Cap: $7.82B
VEEV
Veeva Systems Inc Class A
$260.91
-0.15%
HEALTHCARE · Cap: $42.13B
Smart Verdict
WallStSmart Research — data-driven comparison
Veeva Systems Inc Class A generates 154% more annual revenue ($3.46B vs $1.36B). VEEV leads profitability with a 29.3% profit margin vs 17.4%. VEEV appears more attractively valued with a PEG of 1.16. VEEV earns a higher WallStSmart Score of 66/100 (B-).
HQY
Buy62
out of 100
Grade: C+
VEEV
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.3%
Fair Value
$184.63
Current Price
$91.75
$92.88 discount
Margin of Safety
+41.1%
Fair Value
$300.79
Current Price
$260.91
$39.88 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 28.4%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Keeps 29 of every $100 in revenue as profit
Strong operational efficiency at 29.6%
17.6% revenue growth
Earnings expanding 39.5% YoY
Areas to Watch
Premium valuation, high expectations priced in
Grey zone — moderate risk
Premium valuation, high expectations priced in
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 : VEEV
The strongest argument for VEEV centers on Debt/Equity, Altman Z-Score, Profit Margin. Profitability is solid with margins at 29.3% and operating margin at 29.6%. Revenue growth of 17.6% demonstrates continued momentum.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
Bear Case : VEEV
The primary concerns for VEEV are P/E Ratio. A P/E of 42.7x leaves little room for execution misses.
Key Dynamics to Monitor
HQY profiles as a mature stock while VEEV is a growth play — different risk/reward profiles.
VEEV carries more volatility with a beta of 0.97 — expect wider price swings.
VEEV is growing revenue faster at 17.6% — sustainability is the question.
VEEV generates stronger free cash flow (231M), providing more financial flexibility.
Bottom Line
VEEV scores higher overall (66/100 vs 62/100), backed by strong 29.3% margins and 17.6% revenue growth. HQY offers better value entry with a 58.3% margin of safety. Both earn "Strong Buy" and "Buy" 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.
Veeva Systems Inc Class A
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
Veeva Systems Inc. provides cloud-based software for the life sciences industry in North America, Europe, Asia Pacific, the Middle East, Africa, and Latin America. The company is headquartered in Pleasanton, California.
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