COMP <GO>
HQY vs PG // 10Y YIELD & FRED MACRO BETA
HealthEquity Inc. (NASDAQ) VS. Procter & Gamble Company (The) (NYSE) • 15-METRIC TALLY: HQY 7
— PG 8
▲ 10Y YIELD & FRED MACRO BETA LEADER: HQY
LAST: $102.47 (+1.10%) • MKT CAP: $8.38B
macro-sensitivity
0.96
LAST: $161.57 (+0.61%) • MKT CAP: $372.21B
macro-sensitivity
0.87
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HQY VS. PG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HQY | PG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 69.50% | 51.20% | +18.30 | HQY | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.30% | 25.40% | -16.10 | PG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.8x | 16.2x | +11.60 | PG | /valuation <GO> |
| Free Cash Flow Yield | 5.43% | 3.77% | +1.66 | HQY | /fcf-yield <GO> |
| Operating Margin | 24.60% | 24.30% | +0.30 | HQY | /operating-margins <GO> |
| Net Profit Margin | 16.40% | 19.00% | -2.60 | PG | /net-margins <GO> |
| Revenue Growth (YoY) | 9.50% | 0.30% | +9.20 | HQY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.65% | -2.65 | PG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 4.86 | 5.59 | -0.73 | PG | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 7/9 | +2.00 | HQY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.50% | +0.30 | PG | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.3 | 62.7 | +3.65 | HQY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.96 | 0.87 | +0.09 | HQY | /macro-sensitivity <GO> |
| Forward P/E Multiple | 36.3x | 21.7x | +14.60 | PG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.38B | $372.21B | -$363.83B | PG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HQY REV | PG REV | HQY GROSS % | PG GROSS % | HQY FCF | PG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.31B | $84.28B | 69.5% | 51.2% | $455.1M | $14.04B |
| FY 2024 | $1.20B | $84.04B | 64.8% | 51.4% | $337.8M | $16.52B |
| FY 2023 | $999.6M | $82.01B | 44.0% | 44.0% | $197.8M | $13.16B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HQY // BETA 0.96
PG // BETA 0.87