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Healwell AI Inc (HWAIF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Healwell AI Inc $0.19, price $0.56, upside -65.9%, quality 23 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Healthcare · US · Home Canada · ISIN CA42249X1006

HA Healwell AI Inc logo Thin data Jul 24, 2026

Healwell AI Inc

HWAIF · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.1900 · Strongly overvalued (−65.9%)
!Quality 23/100
!Expensive Growth (revenue 5y +21.9 %/yr)
!Loss-making · -31.2% net margin (TTM)
!Low debt · negative free cash flow
!Narrow moat 12/100
!Evidence only low, so the estimate is less certain

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$2.17 $0.2253 Fair Value $0.1900 Dec 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 24, 2026.

How to read this chart

57‑month range $0.2253 – $2.17 · fair‑value band $0.1500 – $0.2900 · the $0.5575 price screens above the $0.1900 fair value. Dashed = 300-day average. As of Jul 24, 2026.

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Company profile

Healwell AI Inc. operates as a healthcare technology company in Canada, Australia, and New Zealand. The company operates in two segments, AI and Data Sciences, and Healthcare Software. It focuses on developing and commercializing clinical decision support systems to help healthcare providers detect rare and chronic diseases.

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Healwell AI Inc. operates as a healthcare technology company in Canada, Australia, and New Zealand. The company operates in two segments, AI and Data Sciences, and Healthcare Software. It focuses on developing and commercializing clinical decision support systems to help healthcare providers detect rare and chronic diseases. The company provides healthcare artificial intelligence engines, electronic health record platform, healthcare data management and interoperability software, and early/late phase contract clinical research services. It also offers rare and chronic disease screening, real world evidence clinical study generation, advanced clinical decision support, and physical ASI co-pilot tools. It serves public sector organizations, healthcare providers, insurers, and life science companies. The company was formerly known as MCI Onehealth Technologies Inc. and changed its name to Healwell AI Inc. in September 2023. Healwell AI Inc. was incorporated in 2012 and is headquartered in Toronto, Canada.

Stock analysis

Healwell AI Inc (HWAIF) currently trades at $0.5575, while our model-based Fair Value estimate is $0.1900, 65.9% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: $0.1500 (bear) to $0.2900 (bull), the price of $0.5575 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 23/100 (below-average quality), in the Healthcare sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Healwell AI Inc reported revenue of C$104M in FY2025 versus C$47.8M in FY2021, a compound +21.4%/yr. Reported net income was −C$47.1M in FY2025.

Key figures

Market cap $199M · P/S ratio 1.54 · EPS (TTM) $−0.0700 · Net margin −45.4% · Return on equity −30.0% · Return on assets (EBIT) −26.2% · Operating margin −17.5% · Revenue (TTM) C$129M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 51% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at 6% fair-value upside, at −66%, HWAIF screens richer than that median.

Fair Value models

Bear $0.1500 Fair Value $0.1900 Bull $0.2900
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $0.1400 $0.1900 $0.2900 53
All 1 models by family
Asset-Based
NCAV (Graham) $0.1400 $0.1900 $0.2900 53

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Quality Score breakdown

Overall quality 23/100

Of which business quality 25 · Market factors (momentum, volatility) 29

Profitability 11
Margins and returns on capital today
Quality Growth 87
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 29
Disciplined investing over empire-building
Low Volatility 52
Calm price path (market factor)
Momentum 26
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+426.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+115.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.9%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
130.9% (2020) → −28.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

HWAIF screens overvalued: fair value 66% below the price. Compare with HCA Healthcare, Inc →

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Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Medical Care Facilities stocks, each showing price versus our Fair Value estimate.

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HCA Healthcare, Inc HCA $431.63 $597.97 +39%
Fresenius SE FRE €43.64 €34.49 −21%
Dr. Sulaiman Al Habib Medical Services Group 4013 225.00 SAR 109.45 SAR −51%
Tenet Healthcare Corporation THC $257.93 $274.35 +6%
IHH Healthcare Berhad, an investment holding company, 5225 8.03 MYR 4.87 MYR −39%
Apollo Hospitals Enterprise Limited APOLLOHOSP ₹8,889 ₹2,908 −67%
Encompass Health Corporation EHC $123.47 $94.47 −23%
Fresenius Medical Care AG FMS $22.27 $45.84 +106%
DaVita Inc DVA $178.07 $215.81 +21%
Aier Eye Hospital Group 300015 ¥7.91 ¥10.86 +37%

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Healwell AI Inc · Fair Value
$0.1900 −66%Fair Value
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Cite: Fair Value Calculator (2026). "Healwell AI Inc Fair Value". https://www.fairvalue-calculator.com/stock/HWAIF

Frequently asked questions

Is Healwell AI Inc (HWAIF) overvalued or undervalued?
As of Jul 24, 2026, our model estimates a fair value of $0.1900 versus a price of $0.5575, about −66% upside (overvalued).
What is the fair value of HWAIF?
Our model-based fair value for Healwell AI Inc is $0.1900 (as of Jul 24, 2026), built from audited fundamentals. The current price: $0.5575.
What is the quality score of HWAIF?
Healwell AI Inc has a Quality Score of 23/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Healwell AI Inc (HWAIF)?
Our model-based price target is the fair value of $0.1900 (as of Jul 24, 2026) from 1 valuation models. Cautious scenario $0.1500, optimistic scenario $0.2900. It is a calculation from audited fundamentals, not an analyst target.
What is the Healwell AI Inc stock forecast for 2026?
Our models put fair value at $0.1900, about −66% upside versus a price of $0.5575 (overvalued). Cautious scenario $0.1500, optimistic scenario $0.2900. The calculation is refreshed regularly with new filings.
What is the revenue of Healwell AI Inc (HWAIF)?
Healwell AI Inc reported trailing-twelve-month revenue of about C$129M (latest available figure, as of Jul 24, 2026).
What is the intrinsic value of Healwell AI Inc (HWAIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Healwell AI Inc it is $0.1900 per share (as of Jul 24, 2026), against a price of $0.5575. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Healwell AI Inc stock overvalued or undervalued in 2026?
As of Jul 24, 2026, HWAIF trades above its calculated fair value: price $0.5575, fair value $0.1900, a gap of about −66% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HWAIF?
No. The price is what the market pays today ($0.5575); the fair value is what the company's own numbers justify ($0.1900). For Healwell AI Inc the two are $0.3675 per share apart. That gap is exactly why we show both numbers side by side.
How much is Healwell AI Inc worth?
The market values Healwell AI Inc at about $199M (market capitalisation, as of Jul 24, 2026). Per share that is $0.5575; our models calculate a fair value of $0.1900 per share.
What do the bullish and bearish scenarios say about HWAIF?
Our models span a range for Healwell AI Inc: cautious scenario $0.1500, base $0.1900, optimistic $0.2900 per share (as of Jul 24, 2026, price $0.5575). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is HWAIF from its 52-week high?
Healwell AI Inc trades at $0.5575, about 51% below its 52-week high of $1.13 and 26% above the low of $0.4430 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.1900 is for.
Which stocks are comparable to Healwell AI Inc?
From the same area (Healthcare) we also value HCA Healthcare, Inc, Fresenius SE, Dr. Sulaiman Al Habib Medical Services Group, Tenet Healthcare Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Healwell AI Inc stock attractive at the current price?
The data as of Jul 24, 2026: price $0.5575, calculated fair value $0.1900 (−66%), Quality Score 23/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HWAIF calculated?
We run Healwell AI Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.1900, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Healwell AI Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Healwell AI Inc (HWAIF)?
The closing price on Oct 2, 2026 was $0.5575. Our model-based fair value is $0.1900, about −66% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Healwell AI Inc right now?
The price sits above even our optimistic bull case ($0.2900). The favourable scenario is already priced in. Weak quality (23/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.1500 to $0.2900) leaves room in how you read the outcome.

Key figures of Healwell AI Inc

How large is the market capitalisation of Healwell AI Inc (HWAIF)?
The market capitalisation of Healwell AI Inc is $199M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Healwell AI Inc (HWAIF)?
The price-to-sales ratio of Healwell AI Inc is 1.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Healwell AI Inc (HWAIF)?
Earnings per share at Healwell AI Inc are $−0.0700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Healwell AI Inc (HWAIF)?
The net margin of Healwell AI Inc is −45.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Healwell AI Inc (HWAIF)?
The return on equity (ROE) of Healwell AI Inc is −30.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Healwell AI Inc (HWAIF)?
On an EBIT basis the return on assets of Healwell AI Inc is −26.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Healwell AI Inc (HWAIF)?
The operating margin of Healwell AI Inc is −17.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Healwell AI Inc (HWAIF)?
Revenue at Healwell AI Inc is growing +316% versus a year earlier (3y avg +115%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Healwell AI Inc (HWAIF) generate?
The free cash flow of Healwell AI Inc is −C$23.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Healwell AI Inc (HWAIF) carry?
The net debt of Healwell AI Inc is C$61.8M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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