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HealthEquity, Inc. (HQY) vs Tempus AI, Inc. (TEM)

HealthEquity, Inc. and Tempus AI, Inc. are both Health Information Services companies. Tempus AI, Inc. is the larger, with a market value of $12.9B against $8.6B — 1.5× the size. Tempus AI, Inc. has negative trailing earnings, so its P/E is not meaningful; HealthEquity, Inc. trades at 36.9×. Tempus AI, Inc. grew revenue faster over the last twelve months: 36.6% against 7.34%. HealthEquity, Inc. has the higher net margin (17.4% vs −12.5%) and the higher return on invested capital (8.24% vs −14.4%). Across the 17 metrics below, HealthEquity, Inc. leads on 15 and Tempus AI, Inc. on 2.

Valuation

Metric HQY TEM Health Information Services median
P/E 36.89 n/m 42.03
P/S 6.30 8.47 1.80
P/B 4.31 25.54 1.87
Price to free cash flow 19.65 n/m 16.74
EV/EBITDA 18.19 n/m 13.40
EV/Sales 6.81 8.94 2.63
Earnings yield 2.71% (1.49%) (2.73%)
Free cash flow yield 5.09% (1.18%) 0.00%

Profitability

Metric HQY TEM Health Information Services median
Gross margin 71.25% 64.46% 59.61%
Operating margin 25.80% (18.48%) (10.54%)
Net margin 17.36% (12.54%) (16.14%)
Free cash flow margin 32.08% (9.98%) 0.00%
Return on equity 11.43% (37.55%) (3.15%)
Return on assets 7.07% (8.00%) (5.62%)
Return on invested capital 8.24% (14.36%) 0.00%

Growth

Metric HQY TEM Health Information Services median
Revenue growth (TTM) 7.34% 36.56% 6.48%
EPS growth (last fiscal year) 125.69% 77.37% 63.46%
Revenue growth, 5-year CAGR 12.36% — 10.98%
Net income growth, 5-year CAGR 89.38% — 0.00%

Health

Metric HQY TEM Health Information Services median
Debt to equity 0.47 2.70 0.00
Current ratio 2.99 2.61 2.15
Net debt to EBITDA 1.34 (3.32) 0.71

Dividend

Metric HQY TEM Health Information Services median
Dividend yield — — —
Payout ratio — — —

Size

Metric HQY TEM Health Information Services median
Market cap 8.56b 12.85b 309.94m

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