Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2026 · View financials
Decision snapshot: HQY stock price vs LOW: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at LOW's multiple
Needs LOW P/E.
Implied fair value · at HQY's multiple
Needs HQY P/E.
Live quote
Price unavailable
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: HQY FY 2026 (ended Jan 31, 2026) · LOW FY 2026 (ended Jan 30, 2026). Fiscal years are not aligned.
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
HEALTHEQUITY, INC. · implied price per share
Bear
$41.41
Base
$48.72
Bull
$56.03
LOWES COMPANIES INC · implied price per share
Bear
$89.23
Base
$104.97
Bull
$120.72
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.46x
-1.02x
Net debt / EBITDA
Leverage against operating earnings
1.13x
0.78x
Cash and equivalents
Liquid reserves on the balance sheet
$359.72M
$1.35B
Total debt
Interest-bearing obligations outstanding
$974.88M
$10.14B
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Live quote
Edwyn research
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe HQY can sustain its 9.5% revenue growth, 24.6% operating margin, and 9/9 F-Score, then hold or add selectively only if you are comfortable with valuation multiple compression, because the current price is still above the DCF range and implies meaningful downside on the provided P/E framework.
HQY trades at $95.31 versus an implied P/E-based price of $47.23, implying -50.4% downside on that framework. However, the stock also sits inside its historical band and near the upper end of LOW-implied range, which suggests the market is already paying for HQY’s higher growth and profitability.
Supporting Metrics
