HQY vs CBSH

Comparison between Healthequity Inc (HQY, Company) and Commerce Bancshares Inc (CBSH, Company).

HQY is from the Healthcare sector, while CBSH is from the Financial Services sector.

5-Year PerformanceHQY has outperformed CBSH, delivering a return of +6.4% compared to +3.3%

HQY vs CBSH - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HQY(COMPANY)	CBSH(COMPANY)
Market Cap	$8.74B	$8.71B
Max Drawdown	60.65%	45.45%
Sharpe Ratio	0.31	0.13
5Y Beta	0.93	0.72
Industry	Health Information Services	Banks - Regional
P/E Ratio	38.44	14.47
Forward P/E	21.28	13.23
PEG Ratio	0.41	N/A
Dividend Yield	N/A	1.82%
5Y Dividends CAGR	N/A	5.42%
5Y EPS CAGR	114.60%	-0.26%
Debt to Equity	46.04%	56.33%
Free Cash Flow Yield	5.58%	12.90%

Market Cap

Winner

HQY

$8.74B

CBSH

$8.71B

Max Drawdown

HQY

60.65%

Winner

CBSH

45.45%

Sharpe Ratio

Winner

HQY

0.31

CBSH

0.13

5Y Beta

HQY

0.93

Winner

CBSH

0.72

Industry

HQY

Health Information Services

CBSH

Banks - Regional

P/E Ratio

HQY

38.44

Winner

CBSH

14.47

Forward P/E

HQY

21.28

Winner

CBSH

13.23

PEG Ratio

HQY

0.41

CBSH

N/A

Dividend Yield

HQY

N/A

CBSH

1.82%

5Y Dividends CAGR

HQY

N/A

CBSH

5.42%

5Y EPS CAGR

Winner

HQY

114.60%

CBSH

-0.26%

Debt to Equity

Winner

HQY

46.04%

CBSH

56.33%

Free Cash Flow Yield

HQY

5.58%

Winner

CBSH

12.90%

HQY vs CBSH - Historical Returns

Returns include dividend reinvestment.

Period	HQY	CBSH
1 month	+11.81%	+2.93%
3 months	+23.11%	+14.83%
6 months	+17.88%	+14.12%
1 year	+2.22%	+4.05%
5 years(CAGR)	+6.42%	+3.27%
10 years(CAGR)	+13.09%	+9.50%
Max(CAGR)	+15.68%	+8.70%

Winner

HQY

+11.81%

CBSH

+2.93%

Winner

HQY

+23.11%

CBSH

+14.83%

Winner

HQY

+17.88%

CBSH

+14.12%

HQY

+2.22%

Winner

CBSH

+4.05%

5Y(CAGR)

Winner

HQY

+6.42%

CBSH

+3.27%

10Y(CAGR)

Winner

HQY

+13.09%

CBSH

+9.50%

Max(CAGR)

Winner

HQY

+15.68%

CBSH

+8.70%

HQY vs CBSH - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HQY	CBSH
2026	+10.89%	+15.00%
2025	-5.37%	-9.32%
2024	+45.01%	+22.87%
2023	+9.23%	-15.35%
2022	+31.60%	+4.50%
2021	-35.80%	+10.82%
2020	-3.52%	+3.68%
2019	+25.31%	+28.71%
2018	+28.36%	+7.33%
2017	+16.10%	+3.37%
2016	+62.27%	+50.76%
2015	+1.50%	+5.40%
2014	+44.60%	+5.74%
2013	N/A	+32.56%
2012	N/A	+1.71%
2011	N/A	+1.13%
2010	N/A	+5.93%
2009	N/A	-4.00%
2008	N/A	+7.16%
2007	N/A	-5.15%
2006	N/A	+0.47%
2005	N/A	+13.97%
2004	N/A	+11.61%
2003	N/A	+31.38%
2002	N/A	+9.37%
2001	N/A	+3.26%
2000	N/A	+38.21%
1999	N/A	-9.94%

HQY vs CBSH Drawdown Comparison

The maximum drawdown for HQY was -60.65%, occurring on Dec 20, 2021. Recovery took 1516 trading sessions.

The maximum drawdown for CBSH was -44.65%, occurring on Mar 9, 2009. Recovery took 996 trading sessions.

The current HQY drawdown is -11.81%. The current CBSH drawdown is -8.89%.

Rank	HQY	CBSH
#1	-60.65% Nov 7, 2018 - Nov 18, 2024	-44.65% Oct 1, 2008 - Sep 13, 2012
#2	-54.61% Nov 11, 2015 - Sep 8, 2016	-38.21% May 6, 2021 - Nov 6, 2024
#3	-36.07% Feb 12, 2025 - Feb 12, 2026	-34.85% Feb 11, 2020 - Nov 16, 2020
#4	-26.64% Dec 26, 2014 - Mar 24, 2015	-31.20% Nov 9, 1999 - Nov 30, 2000
#5	-25.46% Jun 8, 2017 - Feb 14, 2018	-27.59% Nov 25, 2024 - Mar 12, 2026
#6	-20.14% Oct 10, 2016 - Nov 11, 2016	-24.70% Apr 17, 2002 - Jul 31, 2003
#7	-19.61% Sep 10, 2014 - Nov 18, 2014	-22.92% Feb 22, 2007 - Sep 18, 2008
#8	-19.35% Aug 5, 2015 - Nov 10, 2015	-22.73% Feb 12, 2001 - Feb 11, 2002
#9	-18.68% Jan 18, 2017 - Jun 7, 2017	-21.55% Aug 21, 2018 - Nov 27, 2019
#10	-17.11% Sep 11, 2018 - Nov 7, 2018	-17.95% Dec 1, 2015 - Apr 14, 2016
#11	-12.96% Nov 21, 2024 - Jan 21, 2025	-12.37% Jul 3, 2014 - May 19, 2015
#12	-10.53% Feb 21, 2018 - Feb 28, 2018	-12.34% Sep 14, 2012 - Feb 13, 2013
#13	-10.23% Nov 28, 2014 - Dec 22, 2014	-12.33% Sep 19, 2008 - Oct 1, 2008
#14	-10.22% Jul 26, 2018 - Aug 14, 2018	-12.31% Mar 1, 2017 - Nov 29, 2017
#15	-10.21% Aug 14, 2014 - Sep 10, 2014	-11.72% Jul 20, 2015 - Nov 6, 2015