1.43 USD
+0.03 (+2.14%)
1.43 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HIT. HIT was compared to 148 industry peers in the Insurance industry. HIT has a great financial health rating, but its profitability evaluates not so good. HIT does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year HIT was profitable.
- HIT had a positive operating cash flow in the past year.
1.2 Ratios
- HIT has a Return On Assets of 6.32%. This is amongst the best in the industry. HIT outperforms 89.04% of its industry peers.
- The Return On Equity of HIT (8.38%) is worse than 60.27% of its industry peers.
- HIT has a Return On Invested Capital of 5.83%. This is amongst the best in the industry. HIT outperforms 84.25% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for HIT is below the industry average of 15.11%.
- The last Return On Invested Capital (5.83%) 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 Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.38% | ||
| ROIC | 5.83% |
ROA(3y)8.69%
ROA(5y)N/A
ROE(3y)15.98%
ROE(5y)N/A
ROIC(3y)12.86%
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 4.68%, HIT is not doing good in the industry: 67.81% of the companies in the same industry are doing better.
- HIT has a Operating Margin of 4.50%. This is amonst the worse of the industry: HIT underperforms 80.82% of its industry peers.
- HIT has a Gross Margin of 67.07%. This is amongst the best in the industry. HIT outperforms 97.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.5% | ||
| PM (TTM) | 4.68% | ||
| GM | 67.07% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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.
- HIT has more shares outstanding than it did 1 year ago.
- There is no outstanding debt for HIT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- HIT has an Altman-Z score of 10.95. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
- HIT's Altman-Z score of 10.95 is amongst the best of the industry. HIT outperforms 99.32% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.95 |
ROIC/WACC0.66
WACC8.83%
2.3 Liquidity
- HIT has a Current Ratio of 2.87. This indicates that HIT is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Current ratio, with a value of 2.87, HIT belongs to the top of the industry, outperforming 91.10% of the companies in the same industry.
- HIT has a Quick Ratio of 2.87. This indicates that HIT is financially healthy and has no problem in meeting its short term obligations.
- HIT has a better Quick ratio (2.87) than 91.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.87 | ||
| Quick Ratio | 2.87 |
3. Growth
3.1 Past
- The earnings per share for HIT have decreased strongly by -55.43% in the last year.
- HIT shows a decrease in Revenue. In the last year, the revenue decreased by -8.93%.
EPS 1Y (TTM)-55.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10%
Revenue 1Y (TTM)-8.93%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%90.41%
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 179.42% on average per year.
- HIT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 60.73% yearly.
EPS Next Y21.2%
EPS Next 2Y27.12%
EPS Next 3Y179.42%
EPS Next 5YN/A
Revenue Next Year67.75%
Revenue Next 2Y47.57%
Revenue Next 3Y60.73%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 71.50, HIT can be considered very expensive at the moment.
- Based on the Price/Earnings ratio, HIT is valued expensively inside the industry as 80.14% of the companies are valued cheaper.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, HIT is valued quite expensively.
- Based on the Price/Forward Earnings ratio of 70.79, the valuation of HIT can be described as expensive.
- Based on the Price/Forward Earnings ratio, HIT is valued a bit more expensive than the industry average as 79.45% of the companies are valued more cheaply.
- When comparing the Price/Forward Earnings ratio of HIT to the average of the S&P500 Index (24.26), we can say HIT is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 71.5 | ||
| Fwd PE | 70.79 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HIT is valued a bit more expensive than the industry average as 71.92% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 35.67 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HIT does not grow enough to justify the current Price/Earnings ratio.
- HIT's earnings are expected to grow with 179.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.37
PEG (5Y)N/A
EPS Next 2Y27.12%
EPS Next 3Y179.42%
5. Dividend
5.1 Amount
- No dividends for HIT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1.43
+0.03 (+2.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)03-16 2026-03-16
Inst Owners2.58%
Inst Owner Change0%
Ins Owners69.47%
Ins Owner Change7.46%
Market Cap81.38M
Revenue(TTM)30.72M
Net Income(TTM)1.44M
Analysts80
Price Target4.59 (220.98%)
Short Float %0.97%
Short Ratio0.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-0.99%
Min EPS beat(2)-0.99%
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)2
Avg Revenue beat(2)19.53%
Min Revenue beat(2)15.6%
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)16.13%
PT rev (3m)38.46%
EPS NQ rev (1m)-100%
EPS NQ rev (3m)-100%
EPS NY rev (1m)-62.5%
EPS NY rev (3m)-66.67%
Revenue NQ rev (1m)-11.42%
Revenue NQ rev (3m)-11.42%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 71.5 | ||
| Fwd PE | 70.79 | ||
| P/S | 2.65 | ||
| P/FCF | N/A | ||
| P/OCF | 37.83 | ||
| P/B | 4.74 | ||
| P/tB | 7.41 | ||
| EV/EBITDA | 35.67 |
EPS(TTM)0.02
EY1.4%
EPS(NY)0.02
Fwd EY1.41%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.04
OCFY2.64%
SpS0.54
BVpS0.3
TBVpS0.19
PEG (NY)3.37
PEG (5Y)N/A
Graham Number0.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.38% | ||
| ROCE | 7.89% | ||
| ROIC | 5.83% | ||
| ROICexc | 10.77% | ||
| ROICexgc | 30.87% | ||
| OM | 4.5% | ||
| PM (TTM) | 4.68% | ||
| GM | 67.07% | ||
| FCFM | N/A |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover1.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 473.62% | ||
| Cap/Sales | 9.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 107.09% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.87 | ||
| Quick Ratio | 2.87 | ||
| Altman-Z | 10.95 |
F-Score5
WACC8.83%
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)-55.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%10%
EPS Next Y21.2%
EPS Next 2Y27.12%
EPS Next 3Y179.42%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.93%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%90.41%
Revenue Next Year67.75%
Revenue Next 2Y47.57%
Revenue Next 3Y60.73%
Revenue Next 5YN/A
EBIT growth 1Y-70.51%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year308.53%
EBIT Next 3Y159.07%
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
HEALTH IN TECH INC-CLASS A / HIT FAQ
What is the ChartMill fundamental rating of HEALTH IN TECH INC-CLASS A (HIT) stock?
ChartMill assigns a fundamental rating of 4 / 10 to HIT.
What is the valuation status of HEALTH IN TECH INC-CLASS A (HIT) stock?
ChartMill assigns a valuation rating of 1 / 10 to HEALTH IN TECH INC-CLASS A (HIT). This can be considered as Overvalued.
What is the profitability of HIT stock?
HEALTH IN TECH INC-CLASS A (HIT) has a profitability rating of 3 / 10.
Can you provide the financial health for HIT stock?
The financial health rating of HEALTH IN TECH INC-CLASS A (HIT) is 9 / 10.
Can you provide the dividend sustainability for HIT stock?
The dividend rating of HEALTH IN TECH INC-CLASS A (HIT) is 0 / 10 and the dividend payout ratio is 0%.