Healthequity (NASDAQ:HQY) and CIELO S A/S (NASDAQ:CIOXY) Critical Survey

Healthequity (NASDAQ:HQY) and CIELO S A/S (OTCMKTS:CIOXY) are both mid-cap medical companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, institutional ownership and profitability.

Profitability

This table compares Healthequity and CIELO S A/S’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Healthequity 28.13% 11.77% 10.89%
CIELO S A/S 21.62% 17.83% 2.95%

Analyst Ratings

This is a summary of current ratings and recommmendations for Healthequity and CIELO S A/S, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Healthequity 0 1 10 1 3.00
CIELO S A/S 0 2 1 0 2.33

Healthequity currently has a consensus price target of $78.15, suggesting a potential upside of 27.00%. Given Healthequity’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Healthequity is more favorable than CIELO S A/S.

Dividends

CIELO S A/S pays an annual dividend of $0.16 per share and has a dividend yield of 9.0%. Healthequity does not pay a dividend.

Risk & Volatility

Healthequity has a beta of 1.47, indicating that its stock price is 47% more volatile than the S&P 500. Comparatively, CIELO S A/S has a beta of 1.08, indicating that its stock price is 8% more volatile than the S&P 500.

Valuation & Earnings

This table compares Healthequity and CIELO S A/S’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Healthequity $287.24 million 15.13 $73.90 million $0.95 64.78
CIELO S A/S $3.22 billion 1.50 $914.34 million N/A N/A

CIELO S A/S has higher revenue and earnings than Healthequity.

Insider & Institutional Ownership

95.8% of Healthequity shares are held by institutional investors. Comparatively, 0.0% of CIELO S A/S shares are held by institutional investors. 3.7% of Healthequity shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Healthequity beats CIELO S A/S on 11 of the 15 factors compared between the two stocks.

Healthequity Company Profile

HealthEquity, Inc. provides various solutions for managing health care accounts, health reimbursement arrangements, and flexible spending accounts for health plans, insurance companies, and third-party administrators in the United States. The company offers healthcare saving and spending platform, a cloud-based platform for individuals to make health saving and spending decisions, pay healthcare bills, compare treatment options and prices, receive personalized benefit and clinical information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides mutual fund investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers health reimbursement and flexible spending arrangements solutions; and Employee Retirement Income Security Act's plan administration and investment services. HealthEquity, Inc. was founded in 2002 and is headquartered in Draper, Utah.

CIELO S A/S Company Profile

Cielo S.A., through its subsidiaries, provides payment services in Brazil. The company is involved in the provision of services related to credit and debit cards, and other payment methods, including signing up of merchants and service providers; rental, installation, and maintenance of point of sale terminals; and data capture and processing of electronic and manual transactions. It also offers services related in the processing means of payments that involve cards, maintenance services, and contacts with merchants for acceptance of credit and debit cards; data transmission services to load fixed or mobile phone credits; software development and licensing of computer programs; electronic transactions processing; IT services for collection and management of accounts payable and receivable; and data processing services and support services to medical companies. The company was formerly known as Companhia Brasileira de Meios de Pagamento and changed its name to Cielo S.A. in December 2009. Cielo S.A. was founded in 1995 and is headquartered in Barueri, Brazil.

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