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HQY vs LLY

HQY
HealthEquity, Inc.
NEUTRAL
Price
$77.96
Market Cap
$6.66B
Sector
Healthcare
AI Confidence
85%
LLY
Eli Lilly and Company
NEUTRAL
Price
$958.65
Market Cap
$858.01B
Sector
Healthcare
AI Confidence
85%

Valuation

P/E Ratio
HQY
31.69
LLY
41.7
Forward P/E
HQY
14.6
LLY
22.78
P/B Ratio
HQY
3.15
LLY
32.33
P/S Ratio
HQY
5.07
LLY
13.16
EV/EBITDA
HQY
15.08
LLY
27.08

Profitability

Gross Margin
HQY
69.52%
LLY
83.04%
Operating Margin
HQY
21.64%
LLY
44.9%
Profit Margin
HQY
16.38%
LLY
31.67%
ROE
HQY
10.19%
LLY
101.16%
ROA
HQY
5.99%
LLY
19.41%

Growth

Revenue Growth
HQY
7.3%
LLY
42.6%
Earnings Growth
HQY
92.4%
LLY
51.4%

Financial Health

Debt/Equity
HQY
0.48
LLY
1.65
Current Ratio
HQY
3.27
LLY
1.58
Quick Ratio
HQY
2.82
LLY
0.78

Dividends

Dividend Yield
HQY
--
LLY
0.68%
Payout Ratio
HQY
0.0%
LLY
26.14%

AI Verdict

HQY NEUTRAL

HQY presents a stark divergence between strong fundamental earnings performance and bearish market sentiment. The company maintains a stable financial health profile with a Piotroski F-Score of 4/9 and excellent liquidity (Current Ratio 3.27). While the current price of $77.96 trades at a premium to its intrinsic value ($72.57) and Graham Number ($37.04), the Forward P/E of 14.60 suggests significant expected earnings expansion. However, the bullish fundamental outlook is heavily countered by a 0/100 technical trend and consistent insider selling.

Strengths
Explosive YoY earnings growth of 92.40%
Strong liquidity position with a current ratio of 3.27
Impressive gross margins of 69.52%
Risks
Strongly bearish technical trend (0/100)
Net insider selling activity across multiple executives
Current price exceeds growth-based intrinsic value ($72.57)
LLY NEUTRAL

LLY shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (31.7% margin)
Strong revenue growth of 42.6%
Strong ROE of 101.2%
Risks
High valuation with P/E of 41.7
Premium vs Graham Number ($123.85)
Weak financial trend (Piotroski F-Score: 3/9)

Compare Another Pair

HQY vs LLY: Head-to-Head Comparison

This page compares HealthEquity, Inc. (HQY) and Eli Lilly and Company (LLY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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