COMP <GO>
HQY vs V // RETURN ON INVESTED CAPITAL (ROIC)
HealthEquity Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: HQY 2
— V 10
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: V
LAST: $101.36 (+0.02%) • MKT CAP: $8.38B
roic
9.30%
LAST: $410.54 (+2.48%) • MKT CAP: $733.53B
roic
32.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HQY VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HQY | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 69.50% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 9.30% | 32.30% | -23.00 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.8x | 28.9x | -1.10 | HQY | /valuation <GO> |
| Free Cash Flow Yield | 5.43% | 2.90% | +2.53 | HQY | /fcf-yield <GO> |
| Operating Margin | 24.60% | 60.00% | -35.40 | V | /operating-margins <GO> |
| Net Profit Margin | 16.40% | 50.10% | -33.70 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 9.50% | 11.30% | -1.80 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 4.86 | 9.09 | -4.23 | V | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 9/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.4 | 65.6 | -3.20 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.06 | -0.10 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 36.3x | 34.0x | +2.30 | V | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $8.38B | $733.53B | -$725.15B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HQY REV | V REV | HQY GROSS % | V GROSS % | HQY FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.31B | $40.00B | 69.5% | — | $455.1M | $21.26B |
| FY 2024 | $1.20B | $35.93B | 64.8% | — | $337.8M | $18.33B |
| FY 2023 | $999.6M | $32.65B | — | — | $197.8M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HQY // BETA 0.96
V // BETA 1.06