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HQY vs HUBS
Which Stock Would AI Choose? HealthEquity (HQY) vs. HubSpot (HUBS) Stock Comparison
Key Takeaways
- HealthEquity (HQY) focuses on health savings accounts (HSAs) and benefits administration in the healthcare sector, while HubSpot (HUBS) provides customer relationship management (CRM) and marketing software primarily for small and mid-sized businesses.
- In recent market activity, HQY has shown relative stability with modest year-to-date gains near 4%, supported by consistent account growth and upcoming earnings.
- HUBS has experienced sharper volatility, with year-to-date declines exceeding 49% amid post-earnings reactions despite reporting 23% revenue growth in its latest quarter.
- Sector exposure differs markedly: HQY benefits from healthcare trends and HSA expansion, whereas HUBS ties to broader software demand and artificial intelligence (AI) adoption in marketing tools.
- Both companies reported earnings beats in recent quarters, but market sentiment has favored HQY's steadier positioning over HUBS's growth-at-a-discount valuation dynamics.
- Risk factors include regulatory changes for HQY and guidance sensitivity plus competition for HUBS.
Introduction
This comparison examines HQY and HUBS to highlight differences in business models, recent performance, and market positioning. HealthEquity operates in healthcare financial services, while HubSpot serves the technology-enabled marketing and sales software space. The analysis targets institutional and retail investors seeking data-driven insights into relative strength within their respective sectors. It reviews observable trends such as revenue growth, account metrics, and price behavior over recent weeks to inform portfolio allocation decisions without forward-looking speculation.
HQY Overview and Recent Performance
HealthEquity, Inc. provides health savings account (HSA) administration and benefits solutions. In recent market activity, the stock has traded near $88 with modest year-to-date returns around 4% and one-year gains near 13%. Developments include record fiscal 2026 metrics with HSAs reaching 10.6 million accounts, up 7%, and total accounts at 17.8 million. Analysts have maintained mostly positive ratings ahead of first-quarter fiscal 2027 results scheduled for May 28. Sentiment has been influenced by steady operational execution and healthcare sector resilience rather than single-day events.
HUBS Overview and Recent Performance
HubSpot, Inc. delivers cloud-based customer relationship management (CRM) and inbound marketing platforms. In recent market activity, the stock has traded near $202 following significant year-to-date declines near 50% and one-year gains around 68% from lower bases. The company reported first-quarter 2026 revenue of $881 million, up 23% year-over-year, with non-GAAP earnings per share (EPS) of $2.72 beating estimates. Post-earnings price movement reflected caution on guidance despite the beat, contributing to broader volatility in the software sector.
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Head-to-Head Comparison
HealthEquity (HQY) operates a specialized healthcare financial services model with recurring revenue from account fees and assets under administration, contrasting HubSpot’s (HUBS) subscription-based software-as-a-service (SaaS) platform serving marketing and sales teams. Growth drivers for HQY center on HSA expansion and regulatory tailwinds in employee benefits, while HUBS relies on customer acquisition and AI feature adoption. Recent momentum shows HQY maintaining steadier price action versus HUBS’ sharper swings tied to earnings reactions. Risk factors include data security for HQY and competitive intensity plus valuation compression for HUBS. Sector exposure places HQY in defensive healthcare versus HUBS’ cyclical technology weighting. Market sentiment currently reflects greater stability around HQY amid its upcoming earnings release.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, and relative positioning in recent weeks, Tickeron’s AI models currently assign a modestly higher probabilistic preference to HQY over HUBS. This assessment draws from steadier account growth metrics and lower volatility compared to post-earnings adjustments observed in the software name. Outcomes remain subject to broader market conditions and sector-specific developments.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HQY is a Hold and HUBS is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HQY’s FA Score shows that 0 FA rating(s) are green whileHUBS’s FA Score has 0 green FA rating(s).
- HQY’s FA Score: 0 green, 5 red.
- HUBS’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HQY’s TA Score shows that 4 TA indicator(s) are bullish while HUBS’s TA Score has 2 bullish TA indicator(s).
- HQY’s TA Score: 4 bullish, 4 bearish.
- HUBS’s TA Score: 2 bullish, 7 bearish.
Price Growth
HQY (@Services to the Health Industry) experienced а -0.86% price change this week, while HUBS (@Packaged Software) price change was -5.23% for the same time period.
The average weekly price growth across all stocks in the @Services to the Health Industry industry was -1.89%. For the same industry, the average monthly price growth was -1.16%, and the average quarterly price growth was -13.14%.
The average weekly price growth across all stocks in the @Packaged Software industry was -3.44%. For the same industry, the average monthly price growth was -4.93%, and the average quarterly price growth was +13.88%.
Reported Earning Dates
HQY is expected to report earnings on Sep 08, 2026.
HUBS is expected to report earnings on Aug 05, 2026.
Industries' Descriptions
@Services to the Health Industry (-1.89% weekly)This industry comprises companies that provide services, such as equipment sterilization, research, physician management systems and consulting, that support the healthcare/medical industry. Examples of such companies include Laboratory Corporation of America Holdings, which operates one of the largest clinical laboratory networks in the world; Quest Diagnostics Inc., which is a clinical laboratory; and Syneos Health, which is a major clinical research organization.
@Packaged Software (-3.44% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
| HQY | HUBS | HQY / HUBS | |
| Capitalization | 7.1B | 8.87B | 80% |
| EBITDA | 508M | 267M | 190% |
| Gain YTD | -7.303 | -56.818 | 13% |
| P/E Ratio | 31.69 | 90.95 | 35% |
| Revenue | 1.34B | 3.3B | 41% |
| Total Cash | 265M | 1.69B | 16% |
| Total Debt | 985M | 247M | 399% |
HQY | HUBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 55 | 56 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 73 Overvalued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 89 | 100 | |
SMR RATING 1..100 | 68 | 86 | |
PRICE GROWTH RATING 1..100 | 60 | 89 | |
P/E GROWTH RATING 1..100 | 95 | 97 | |
SEASONALITY SCORE 1..100 | n/a | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HQY's Valuation (73) in the Investment Managers industry is in the same range as HUBS (78) in the Information Technology Services industry. This means that HQY’s stock grew similarly to HUBS’s over the last 12 months.
HQY's Profit vs Risk Rating (89) in the Investment Managers industry is in the same range as HUBS (100) in the Information Technology Services industry. This means that HQY’s stock grew similarly to HUBS’s over the last 12 months.
HQY's SMR Rating (68) in the Investment Managers industry is in the same range as HUBS (86) in the Information Technology Services industry. This means that HQY’s stock grew similarly to HUBS’s over the last 12 months.
HQY's Price Growth Rating (60) in the Investment Managers industry is in the same range as HUBS (89) in the Information Technology Services industry. This means that HQY’s stock grew similarly to HUBS’s over the last 12 months.
HQY's P/E Growth Rating (95) in the Investment Managers industry is in the same range as HUBS (97) in the Information Technology Services industry. This means that HQY’s stock grew similarly to HUBS’s over the last 12 months.
| HQY | HUBS | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 68% |
| Stochastic ODDS (%) | 1 day ago 73% | 1 day ago 78% |
| Momentum ODDS (%) | 1 day ago 66% | 1 day ago 71% |
| MACD ODDS (%) | 1 day ago 69% | 1 day ago 72% |
| TrendWeek ODDS (%) | 1 day ago 64% | 1 day ago 72% |
| TrendMonth ODDS (%) | 1 day ago 64% | 1 day ago 79% |
| Advances ODDS (%) | 14 days ago 74% | 23 days ago 74% |
| Declines ODDS (%) | 2 days ago 64% | 2 days ago 71% |
| BollingerBands ODDS (%) | 1 day ago 73% | 1 day ago 70% |
| Aroon ODDS (%) | 1 day ago 61% | N/A |
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HUBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, HUBS has been closely correlated with CRM. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if HUBS jumps, then CRM could also see price increases.
| Ticker / NAME | Correlation To HUBS | 1D Price Change % | ||
|---|---|---|---|---|
| HUBS | 100% | +0.28% | ||
| CRM - HUBS | 79% Closely correlated | +2.20% | ||
| TEAM - HUBS | 72% Closely correlated | +1.74% | ||
| DOCU - HUBS | 70% Closely correlated | -0.09% | ||
| ASAN - HUBS | 69% Closely correlated | -1.19% | ||
| FRSH - HUBS | 67% Closely correlated | +2.91% | ||
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