WallStSmart

HealthEquity Inc (HQY)vsScworx Corp (WORX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

HealthEquity Inc generates 47069% more annual revenue ($1.31B vs $2.78M). HQY leads profitability with a 16.4% profit margin vs -139.7%. HQY earns a higher WallStSmart Score of 68/100 (B-).

HQY

Strong Buy

68

out of 100

Grade: B-

Growth: 8.0Profit: 7.0Value: 10.0Quality: 6.5
Piotroski: 4/9

WORX

Avoid

31

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 5.0Quality: 5.5
Piotroski: 4/9Altman Z: -5.70
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HQYUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$115.13

Current Price

$82.47

$32.66 discount

UndervaluedFair: $115.13Overvalued

Intrinsic value data unavailable for WORX.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HQY3 strengths · Avg: 8.7/10
EPS GrowthGrowth
92.4%10/10

Earnings expanding 92.4% YoY

PEG RatioValuation
0.898/10

Growing faster than its price suggests

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

WORX2 strengths · Avg: 10.0/10
Price/BookValuation
0.2x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Areas to Watch

HQY1 concerns · Avg: 4.0/10
P/E RatioValuation
33.4x4/10

Premium valuation, high expectations priced in

WORX4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$2.01M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-74.2%2/10

ROE of -74.2% — below average capital efficiency

Revenue GrowthGrowth
-7.1%2/10

Revenue declined 7.1%

Comparative Analysis Report

WallStSmart Research

Bull 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 : WORX

The strongest argument for WORX centers on Price/Book, Debt/Equity.

Bear Case : HQY

The primary concerns for HQY are P/E Ratio.

Bear Case : WORX

The primary concerns for WORX are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

HQY profiles as a mature stock while WORX is a turnaround play — different risk/reward profiles.

WORX carries more volatility with a beta of 2.02 — 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 31/100), backed by strong 16.4% 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.

Scworx Corp

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

Scworx Corp (WORX) is a leading provider of advanced healthcare data solutions, focused on streamlining clinical data and insights for healthcare providers and stakeholders. Leveraging innovative technology, Scworx enhances operational efficiency and elevates care quality, enabling institutions to make data-driven decisions through comprehensive analytics. The company's strategic emphasis on scalability and innovation positions it well to address the increasing demand for data-centric solutions in the healthcare sector, ultimately driving improved patient outcomes and fostering effective cost management strategies. Scworx's commitment to transforming healthcare delivery underscores its pivotal role in a rapidly evolving market landscape.

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