Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2026 · Mkt cap
Decision snapshot: HQY stock price vs MNRO: 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 MNRO's multiple
Needs MNRO P/E.
Implied fair value · at HQY's multiple
Needs HQY P/E.
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Multiple premium
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: HQY FY 2026 (ended Jan 31, 2026) · MNRO FY 2026 (ended Mar 28, 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.
Capital structure 89% equity / 11% debt · EV / Revenue 6.54x · EV / EBITDA 17.72x
Capital structure 87% equity / 13% debt · EV / Revenue 0.38x · EV / EBITDA 8.30x
HQY carries the larger enterprise value at $8.58B against $444.40M; MNRO trades on the lower EV / Revenue multiple (0.38x vs 6.54x); MNRO on the lower EV / EBITDA (8.30x vs 17.72x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
HEALTHEQUITY, INC. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
MONRO, INC. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
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.
Debt / equity
Total debt against shareholders' equity
0.45x
0.10x
Net debt / EBITDA
Leverage against operating earnings
1.32x
0.85x
Cash and equivalents
Liquid reserves on the balance sheet
$318.93M
$14.63M
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider comparable set.
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