HealthEquity vs Paymentus
HQY and PAY side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HQY and PAY compare
HealthEquity is the larger company, worth 2.1 times as much as Paymentus ($8.5B against $4.1B).
On earnings, HealthEquity is cheaper: it trades at 37.0× trailing earnings, against 49.7× for Paymentus.
Paymentus grew revenue faster over the last twelve months (30.2% versus 7.3% for HealthEquity).
HealthEquity keeps more of each dollar of sales as profit, with a net margin of 17.4% compared with 6.2% at Paymentus.
Paymentus scores higher on the StockData Score (17 against 15 for HealthEquity), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HQY | PAY |
|---|---|---|
| Size and price | ||
| Market cap | $8.5B | $4.1B |
| Share price | $102.47 | $32.82 |
| Change, 1 year | 8.5% | 11.6% |
| Change, 5 years | 50.2% | 19.5% |
| Beta (5Y) | 0.39 | 1.44 |
| Employees | 2,814 | 1,340 |
| StockData Score | ||
| Total score | 15 | 17 (better) |
| Valuation score | 3 (better) | 2 |
| Growth score | 3 | 4 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 5 | 6 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 37.0× (better) | 49.7× |
| P/S | 6.2× | 3.0× (better) |
| P/B | 4.3× (better) | 6.7× |
| EV/EBITDA | 18.0× (better) | 30.5× |
| P/FCF | 17.4× (better) | 26.0× |
| FCF yield | 5.8% (better) | 3.9% |
| Fair value | $109.86 | $29.49 |
| Margin of safety | 6.7% (better) | −11.3% |
| Growth | ||
| Revenue growth (TTM) | 7.3% | 30.2% (better) |
| Revenue growth, 5Y average | 12.4% | 31.7% (better) |
| Net income growth (TTM) | 62.2% (better) | 51.3% |
| EPS growth (TTM) | 67.9% (better) | 53.5% |
| EPS growth, 5Y average | 83.0% (better) | 45.4% |
| Profitability | ||
| Gross margin | 71.2% (better) | 24.9% |
| Operating margin | 25.8% (better) | 7.6% |
| Net margin | 17.4% (better) | 6.2% |
| FCF margin | 35.8% (better) | 11.7% |
| Return on equity | 11.4% | 15.0% (better) |
| Return on invested capital | 9.8% | 31.9% (better) |
| Financial health | ||
| Debt / equity | 0.47 (better) | 0.00 |
| Net debt / EBITDA | 1.33 | – |
| Interest coverage | 6.7× | – |
| Current ratio | 2.99 | 4.89 (better) |
| Altman Z-score | 4.92 | 25.55 (better) |
| Piotroski F-score | 9 (better) | 7 |
| Dividends and buybacks | ||
| Buyback yield | 4.8% | – |
| Shareholder yield | 4.8% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 109% | 44.9% |
| Held by insiders | 1.7% | 63.1% |
| Insider net buying, 12 months | −$4.2M (better) | −$7.1M |
| Short interest, % of float | 7.4% | 5.9% |
Go deeper
- HQY stock overview
- HQY income statement
- HQY valuation and score
- PAY stock overview
- PAY income statement
- PAY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.