Logo image of HIT

HEALTH IN TECH INC-CLASS A (HIT) Stock Fundamental Analysis

USA - NASDAQ:HIT - US42217D1028 - Common Stock

3.38 USD
-0.14 (-3.98%)
Last: 9/30/2025, 10:53:35 AM
Fundamental Rating

5

Taking everything into account, HIT scores 5 out of 10 in our fundamental rating. HIT was compared to 146 industry peers in the Insurance industry. While HIT has a great health rating, its profitability is only average at the moment. While showing a medium growth rate, HIT is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

HIT had positive earnings in the past year.
HIT had a positive operating cash flow in the past year.
HIT Yearly Net Income VS EBIT VS OCF VS FCFHIT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 1M 2M 3M

1.2 Ratios

HIT has a Return On Assets of 6.14%. This is amongst the best in the industry. HIT outperforms 91.10% of its industry peers.
HIT has a Return On Equity (8.29%) which is in line with its industry peers.
With an excellent Return On Invested Capital value of 5.85%, HIT belongs to the best of the industry, outperforming 86.30% of the companies in the same industry.
HIT had an Average Return On Invested Capital over the past 3 years of 12.86%. This is significantly above the industry average of 4.43%.
The last Return On Invested Capital (5.85%) for HIT is well below the 3 year average (12.86%), which needs to be investigated, but indicates that HIT had better years and this may not be a problem.
Industry RankSector Rank
ROA 6.14%
ROE 8.29%
ROIC 5.85%
ROA(3y)8.69%
ROA(5y)N/A
ROE(3y)15.98%
ROE(5y)N/A
ROIC(3y)12.86%
ROIC(5y)N/A
HIT Yearly ROA, ROE, ROICHIT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 10 20 30 40

1.3 Margins

Looking at the Profit Margin, with a value of 5.10%, HIT is doing worse than 63.01% of the companies in the same industry.
HIT has a Operating Margin of 4.98%. This is in the lower half of the industry: HIT underperforms 74.66% of its industry peers.
With an excellent Gross Margin value of 70.96%, HIT belongs to the best of the industry, outperforming 97.26% of the companies in the same industry.
Industry RankSector Rank
OM 4.98%
PM (TTM) 5.1%
GM 70.96%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HIT Yearly Profit, Operating, Gross MarginsHIT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 20 40 60 80

More info and screens

9

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HIT is creating some value.
The number of shares outstanding for HIT has been increased compared to 1 year ago.
HIT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HIT Yearly Shares OutstandingHIT Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 10M 20M 30M 40M 50M
HIT Yearly Total Debt VS Total AssetsHIT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 5M 10M 15M 20M 25M

2.2 Solvency

HIT has an Altman-Z score of 22.93. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
HIT's Altman-Z score of 22.93 is amongst the best of the industry. HIT outperforms 100.00% of its industry peers.
HIT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 22.93
ROIC/WACC0.66
WACC8.82%
HIT Yearly LT Debt VS Equity VS FCFHIT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 2M 4M 6M 8M 10M

2.3 Liquidity

A Current Ratio of 2.76 indicates that HIT has no problem at all paying its short term obligations.
The Current ratio of HIT (2.76) is better than 91.78% of its industry peers.
HIT has a Quick Ratio of 2.76. This indicates that HIT is financially healthy and has no problem in meeting its short term obligations.
HIT has a Quick ratio of 2.76. This is amongst the best in the industry. HIT outperforms 91.78% of its industry peers.
Industry RankSector Rank
Current Ratio 2.76
Quick Ratio 2.76
HIT Yearly Current Assets VS Current LiabilitesHIT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 5M 10M 15M 20M 25M

More info and screens

4

3. Growth

3.1 Past

HIT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -68.75%.
HIT shows a small growth in Revenue. In the last year, the Revenue has grown by 1.77%.
EPS 1Y (TTM)-68.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%79.37%
Revenue 1Y (TTM)1.77%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%86.18%

3.2 Future

Based on estimates for the next years, HIT will show a very strong growth in Earnings Per Share. The EPS will grow by 182.83% on average per year.
HIT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 57.24% yearly.
EPS Next Y263.6%
EPS Next 2Y270.62%
EPS Next 3Y182.83%
EPS Next 5YN/A
Revenue Next Year70.02%
Revenue Next 2Y66.67%
Revenue Next 3Y57.24%
Revenue Next 5YN/A

3.3 Evolution

HIT Yearly Revenue VS EstimatesHIT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 20M 40M 60M
HIT Yearly EPS VS EstimatesHIT Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.05 0.1 0.15 0.2 0.25

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 169.00, the valuation of HIT can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of HIT indicates a rather expensive valuation: HIT more expensive than 84.25% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of HIT to the average of the S&P500 Index (27.67), we can say HIT is valued expensively.
With a Price/Forward Earnings ratio of 19.69, HIT is valued on the expensive side.
71.23% of the companies in the same industry are cheaper than HIT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HIT to the average of the S&P500 Index (23.13), we can say HIT is valued inline with the index average.
Industry RankSector Rank
PE 169
Fwd PE 19.69
HIT Price Earnings VS Forward Price EarningsHIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HIT indicates a slightly more expensive valuation: HIT is more expensive than 72.60% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, HIT is valued a bit more expensive than the industry average as 73.97% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 145.3
EV/EBITDA 101.69
HIT Per share dataHIT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.1 0.2 0.3 0.4

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HIT's earnings are expected to grow with 182.83% in the coming years.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y270.62%
EPS Next 3Y182.83%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for HIT!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

HEALTH IN TECH INC-CLASS A

NASDAQ:HIT (9/30/2025, 10:53:35 AM)

3.38

-0.14 (-3.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)N/A N/A
Inst Owners0.82%
Inst Owner Change-43.64%
Ins Owners70.28%
Ins Owner Change2.29%
Market Cap190.60M
Analysts80
Price Target3.32 (-1.78%)
Short Float %0.68%
Short Ratio0.08
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.74%
Min EPS beat(2)-50.49%
Max EPS beat(2)-0.99%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-38.21%
Min Revenue beat(2)-99.88%
Max Revenue beat(2)23.46%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)58.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)125%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.07%
Valuation
Industry RankSector Rank
PE 169
Fwd PE 19.69
P/S 7.14
P/FCF 145.3
P/OCF 52.97
P/B 11.61
P/tB 17.48
EV/EBITDA 101.69
EPS(TTM)0.02
EY0.59%
EPS(NY)0.17
Fwd EY5.08%
FCF(TTM)0.02
FCFY0.69%
OCF(TTM)0.06
OCFY1.89%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)0.64
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 6.14%
ROE 8.29%
ROCE 7.91%
ROIC 5.85%
ROICexc 11.35%
ROICexgc 31.35%
OM 4.98%
PM (TTM) 5.1%
GM 70.96%
FCFM 4.91%
ROA(3y)8.69%
ROA(5y)N/A
ROE(3y)15.98%
ROE(5y)N/A
ROIC(3y)12.86%
ROIC(5y)N/A
ROICexc(3y)19.87%
ROICexc(5y)N/A
ROICexgc(3y)65.42%
ROICexgc(5y)N/A
ROCE(3y)20.71%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover1.2
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 420.75%
Cap/Sales 8.57%
Interest Coverage 250
Cash Conversion 192.24%
Profit Quality 96.38%
Current Ratio 2.76
Quick Ratio 2.76
Altman-Z 22.93
F-Score5
WACC8.82%
ROIC/WACC0.66
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)10.58%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-68.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%79.37%
EPS Next Y263.6%
EPS Next 2Y270.62%
EPS Next 3Y182.83%
EPS Next 5YN/A
Revenue 1Y (TTM)1.77%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%86.18%
Revenue Next Year70.02%
Revenue Next 2Y66.67%
Revenue Next 3Y57.24%
Revenue Next 5YN/A
EBIT growth 1Y-70.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year373.28%
EBIT Next 3Y149.18%
EBIT Next 5YN/A
FCF growth 1Y231.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y42.34%
OCF growth 3YN/A
OCF growth 5YN/A