COMP <GO>
HQY vs MA // FREE CASH FLOW YIELD
HealthEquity Inc. (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: HQY 5
— MA 10
▲ FREE CASH FLOW YIELD LEADER: HQY
LAST: $102.47 (+1.10%) • MKT CAP: $8.38B
fcf-yield
5.43%
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
fcf-yield
3.08%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HQY VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HQY | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 69.50% | 41.00% | +28.50 | HQY | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.30% | 33.50% | -24.20 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.8x | 29.2x | -1.40 | HQY | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 5.43% | 3.08% | +2.35 | HQY | /fcf-yield <GO> |
| Operating Margin | 24.60% | 57.60% | -33.00 | MA | /operating-margins <GO> |
| Net Profit Margin | 16.40% | 45.60% | -29.20 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 9.50% | 16.40% | -6.90 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 4.86 | 11.17 | -6.31 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | HQY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | MA | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.3 | 70.6 | -4.31 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.90 | +0.06 | HQY | /macro-sensitivity <GO> |
| Forward P/E Multiple | 36.3x | 31.2x | +5.10 | MA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.38B | $556.88B | -$548.50B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HQY REV | MA REV | HQY GROSS % | MA GROSS % | HQY FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.31B | $32.79B | 69.5% | 44.0% | $455.1M | $17.16B |
| FY 2024 | $1.20B | $28.17B | 64.8% | 44.0% | $337.8M | $14.31B |
| FY 2023 | $999.6M | $25.10B | 44.0% | 44.0% | $197.8M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HQY // BETA 0.96
MA // BETA 0.90