HealthEquity Inc (HQY)vsVeeva Systems Inc Class A (VEEV)
HQY
HealthEquity Inc
$104.63
+1.15%
HEALTHCARE · Cap: $8.41B
VEEV
Veeva Systems Inc Class A
$230.47
+5.82%
HEALTHCARE · Cap: $33.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Veeva Systems Inc Class A generates 148% more annual revenue ($3.32B vs $1.34B). VEEV leads profitability with a 28.4% profit margin vs 17.2%. VEEV appears more attractively valued with a PEG of 0.92. VEEV earns a higher WallStSmart Score of 69/100 (B-).
HQY
Strong Buy66
out of 100
Grade: B-
VEEV
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.6%
Fair Value
$181.42
Current Price
$104.63
$76.79 discount
Margin of Safety
+38.9%
Fair Value
$289.59
Current Price
$230.47
$59.12 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Strong operational efficiency at 30.9%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
16.3% revenue growth
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, 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 : VEEV
The strongest argument for VEEV centers on Operating Margin, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 28.4% and operating margin at 30.9%. Revenue growth of 16.3% 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.
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 0.94 — expect wider price swings.
VEEV is growing revenue faster at 16.3% — sustainability is the question.
VEEV generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
VEEV scores higher overall (69/100 vs 66/100), backed by strong 28.4% margins and 16.3% revenue growth. HQY offers better value entry with a 57.6% margin of safety. Both earn "Strong Buy" and "Strong 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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