Head to Head Analysis: Swvl (NASDAQ:SWVL) vs. HealthEquity (NASDAQ:HQY)

Swvl (NASDAQ:SWVL) and HealthEquity (NASDAQ:HQY) are both business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, profitability, institutional ownership, earnings, valuation, dividends and analyst recommendations.

Analyst Recommendations

This is a summary of recent ratings and price targets for Swvl and HealthEquity, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Swvl	0	0	0	0	0.00
HealthEquity	0	1	13	0	2.93

HealthEquity has a consensus price target of $110.71, suggesting a potential upside of 11.00%. Given HealthEquity’s stronger consensus rating and higher probable upside, analysts clearly believe HealthEquity is more favorable than Swvl.

Risk and Volatility

Swvl has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500. Comparatively, HealthEquity has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500.

Insider and Institutional Ownership

34.0% of Swvl shares are owned by institutional investors. Comparatively, 99.6% of HealthEquity shares are owned by institutional investors. 29.9% of Swvl shares are owned by insiders. Comparatively, 2.2% of HealthEquity shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

This table compares Swvl and HealthEquity’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Swvl	N/A	N/A	N/A
HealthEquity	8.41%	9.70%	6.08%

Valuation and Earnings

This table compares Swvl and HealthEquity”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Swvl	$19.80 million	1.55	$3.06 million	N/A	N/A
HealthEquity	$1.15 billion	7.51	$55.71 million	$1.09	91.50

HealthEquity has higher revenue and earnings than Swvl.

Summary

HealthEquity beats Swvl on 10 of the 12 factors compared between the two stocks.

About Swvl

Swvl Holdings Corp. provides mass transit ridesharing services. It offers B2C Swvl Retail, which provides riders with a network of minibuses and other vehicles running on fixed or semi-fixed routes within cities; Swvl Travel that allows riders to book rides on long-distance intercity routes on vehicle available through the Swvl platform or through third-party services; and Swvl Business, a transport as a service enterprise product for businesses, schools, municipal transit agencies, and other customers. Swvl Holdings Corp. was founded in 2017 and is headquartered in Dubai, the United Arab Emirates.

About HealthEquity

HealthEquity, Inc. provides technology-enabled services platforms to consumers and employers in the United States. The company offers cloud-based platforms for individuals to make health saving and spending decisions, pay healthcare bills, receive personalized benefit information, earn wellness incentives, grow their savings, and make investment choices; and health savings accounts. It also provides investment platform; and online-only automated investment advisory services through Advisor, a Web-based tool. In addition, the company offers flexible spending accounts; health reimbursement arrangements; and Consolidated Omnibus Budget Reconciliation Act continuation services, as well as administers pre-tax commuter benefit programs. It serves clients through a direct sales force; benefits brokers and advisors; and a network of health plans, benefits administrators, benefits brokers and consultants, and retirement plan record-keepers. HealthEquity, Inc. was incorporated in 2002 and is based in Draper, Utah.