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

USA - Nasdaq - NASDAQ:HIT - US42217D1028 - Common Stock

1.59 USD
-0.11 (-6.47%)
Last: 12/31/2025, 8:05:01 PM
1.59 USD
0 (0%)
After Hours: 12/31/2025, 8:05:01 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to HIT. HIT was compared to 148 industry peers in the Insurance industry. HIT is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. HIT is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HIT was profitable.
In the past year HIT had a positive cash flow from operations.
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

With an excellent Return On Assets value of 6.32%, HIT belongs to the best of the industry, outperforming 89.19% of the companies in the same industry.
HIT has a Return On Equity (8.38%) which is comparable to the rest of the industry.
The Return On Invested Capital of HIT (5.83%) is better than 84.46% of its industry peers.
HIT had an Average Return On Invested Capital over the past 3 years of 12.86%. This is below the industry average of 14.93%.
The 3 year average ROIC (12.86%) for HIT is well above the current ROIC(5.83%). The reason for the recent decline needs to be investigated.
Industry RankSector 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
HIT Yearly ROA, ROE, ROICHIT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 10 20 30 40

1.3 Margins

HIT's Profit Margin of 4.68% is on the low side compared to the rest of the industry. HIT is outperformed by 68.24% of its industry peers.
Looking at the Operating Margin, with a value of 4.50%, HIT is doing worse than 81.08% of the companies in the same industry.
The Gross Margin of HIT (67.07%) is better than 95.95% of its industry peers.
Industry RankSector 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
HIT Yearly Profit, Operating, Gross MarginsHIT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 20 40 60 80

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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

An Altman-Z score of 12.11 indicates that HIT is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 12.11, HIT belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 12.11
ROIC/WACC0.67
WACC8.77%
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 2.87 indicates that HIT has no problem at all paying its short term obligations.
The Current ratio of HIT (2.87) is better than 91.22% of its industry peers.
A Quick Ratio of 2.87 indicates that HIT has no problem at all paying its short term obligations.
HIT's Quick ratio of 2.87 is amongst the best of the industry. HIT outperforms 91.22% of its industry peers.
Industry RankSector Rank
Current Ratio 2.87
Quick Ratio 2.87
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

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3

3. Growth

3.1 Past

HIT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -55.43%.
Looking at the last year, HIT shows a decrease in Revenue. The Revenue has decreased by -8.93% in the last year.
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

The Earnings Per Share is expected to grow by 179.42% on average over the next years. This is a very strong growth
Based on estimates for the next years, HIT will show a very strong growth in Revenue. The Revenue will grow by 60.73% on average per year.
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

HIT Yearly Revenue VS EstimatesHIT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
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

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 79.50, HIT can be considered very expensive at the moment.
Based on the Price/Earnings ratio, HIT is valued expensively inside the industry as 80.41% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HIT to the average of the S&P500 Index (26.51), we can say HIT is valued expensively.
A Price/Forward Earnings ratio of 78.71 indicates a quite expensive valuation of HIT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HIT indicates a slightly more expensive valuation: HIT is more expensive than 79.73% of the companies listed in the same industry.
HIT's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.13.
Industry RankSector Rank
PE 79.5
Fwd PE 78.71
HIT Price Earnings VS Forward Price EarningsHIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

71.62% of the companies in the same industry are cheaper than HIT, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 41.05
HIT Per share dataHIT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 0.2 0.3 0.4 0.5

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.
A more expensive valuation may be justified as HIT's earnings are expected to grow with 179.42% in the coming years.
PEG (NY)3.75
PEG (5Y)N/A
EPS Next 2Y27.12%
EPS Next 3Y179.42%

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0

5. Dividend

5.1 Amount

No dividends for HIT!.
Industry RankSector Rank
Dividend Yield 0%

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HEALTH IN TECH INC-CLASS A

NASDAQ:HIT (12/31/2025, 8:05:01 PM)

After market: 1.59 0 (0%)

1.59

-0.11 (-6.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-10 2025-11-10/amc
Earnings (Next)N/A N/A
Inst Owners2.58%
Inst Owner Change142.02%
Ins Owners69.66%
Ins Owner Change0.99%
Market Cap90.49M
Revenue(TTM)30.72M
Net Income(TTM)1.44M
Analysts80
Price Target4.59 (188.68%)
Short Float %0.97%
Short Ratio0.26
Dividend
Industry RankSector 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)-66.67%
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 RankSector Rank
PE 79.5
Fwd PE 78.71
P/S 2.95
P/FCF N/A
P/OCF 42.06
P/B 5.27
P/tB 8.24
EV/EBITDA 41.05
EPS(TTM)0.02
EY1.26%
EPS(NY)0.02
Fwd EY1.27%
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)0.04
OCFY2.38%
SpS0.54
BVpS0.3
TBVpS0.19
PEG (NY)3.75
PEG (5Y)N/A
Graham Number0.37
Profitability
Industry RankSector 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 RankSector 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 12.11
F-Score5
WACC8.77%
ROIC/WACC0.67
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 5 / 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 4 / 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%.