Is HCTI or HQY more undervalued in 2026?

CirclFi compares Healthcare Triangle, Inc. (HCTI) and HealthEquity, Inc. (HQY) using 13 institutional-grade valuation models. HCTI has a Quality of Company score of 4.0/10 while HQY scores 9.8/10.

Which is a better buy — HCTI or HQY?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HCTI and HQY valuations compare?

HCTI at $2.61 and HQY at $90.52 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HCTI vs HQY Valuation Comparison 2026 — Intrinsic Value Analysis

HCTI

Health Information Services

Healthcare Triangle, Inc.

Quality

4.0

out of 10

Value Trap

WARN

Price

$2.61

Last close

Models

9/13

Active

HQY

Health Information Services

HealthEquity, Inc.

Quality

9.8

out of 10

Value Trap

SAFE

Price

$90.52

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HCTI Fair Value	HCTI Upside	HQY Fair Value	HQY Upside
Bayesian DCF	Intrinsic	—	—	$58.07	-35.8%
Earnings Power Value	Intrinsic	—	—	$43.18	-52.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$6.82	+188.2%	$56.87	-37.2%
Dynamic NAV	Asset-Based	$6.48	+148.3%	—	—
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HCTI vs HQY — Which Stock Is More Undervalued?

HQY scores higher with a 9.8/10 quality rating vs HCTI's 4.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Healthcare Triangle, Inc. (HCTI) and HealthEquity, Inc. (HQY) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HCTI currently trades at $2.61 with a QOC of 4.0/10, while HQY trades at $90.52 with a QOC of 9.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).