Logo image of HIT

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

NASDAQ:HIT - Nasdaq - US42217D1028 - Common Stock - Currency: USD

3.52  +0.28 (+8.64%)

After market: 3.45 -0.07 (-1.99%)

Fundamental Rating

5

Overall HIT gets a fundamental rating of 5 out of 10. We evaluated HIT against 143 industry peers in the Insurance industry. HIT has an excellent financial health rating, but there are some minor concerns on its profitability. 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 91.61% of its industry peers.
HIT has a Return On Equity (8.29%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 5.85%, HIT belongs to the top of the industry, outperforming 88.11% 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 4.04%.
The 3 year average ROIC (12.86%) for HIT is well above the current ROIC(5.85%). The reason for the recent decline needs to be investigated.
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 61.54% of the companies in the same industry.
With a Operating Margin value of 4.98%, HIT is not doing good in the industry: 74.13% of the companies in the same industry are doing better.
With an excellent Gross Margin value of 70.96%, HIT belongs to the best of the industry, outperforming 97.20% 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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HIT is still 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.
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 21.28. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
HIT's Altman-Z score of 21.28 is amongst the best of the industry. HIT outperforms 100.00% of its industry peers.
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 0
Altman-Z 21.28
ROIC/WACC0.65
WACC8.95%
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.
HIT has a Current ratio of 2.76. This is amongst the best in the industry. HIT outperforms 93.71% of its industry peers.
A Quick Ratio of 2.76 indicates that HIT has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.76, HIT belongs to the top of the industry, outperforming 93.71% of the companies in the same industry.
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%.
Looking at the last year, HIT shows a small growth in Revenue. The Revenue has grown by 1.77% in the last year.
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

The Earnings Per Share is expected to grow by 172.34% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 57.24% on average over the next years. This is a very strong growth
EPS Next Y102%
EPS Next 2Y211.38%
EPS Next 3Y172.34%
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

HIT is valuated quite expensively with a Price/Earnings ratio of 117.33.
Based on the Price/Earnings ratio, HIT is valued expensively inside the industry as 83.22% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HIT to the average of the S&P500 Index (26.87), we can say HIT is valued expensively.
The Price/Forward Earnings ratio is 29.04, which means the current valuation is very expensive for HIT.
Based on the Price/Forward Earnings ratio, HIT is valued a bit more expensive than 76.22% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.34, HIT is valued at the same level.
Industry RankSector Rank
PE 117.33
Fwd PE 29.04
HIT Price Earnings VS Forward Price EarningsHIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

70.63% of the companies in the same industry are cheaper than HIT, based on the Enterprise Value to EBITDA ratio.
76.92% of the companies in the same industry are cheaper than HIT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 151.29
EV/EBITDA 93.24
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as HIT's earnings are expected to grow with 172.34% in the coming years.
PEG (NY)1.15
PEG (5Y)N/A
EPS Next 2Y211.38%
EPS Next 3Y172.34%

More info and screens

0

5. Dividend

5.1 Amount

HIT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

HEALTH IN TECH INC-CLASS A

NASDAQ:HIT (8/15/2025, 8:26:57 PM)

After market: 3.45 -0.07 (-1.99%)

3.52

+0.28 (+8.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)N/A N/A
Inst Owners1.92%
Inst Owner Change-1.39%
Ins Owners70.15%
Ins Owner Change63.36%
Market Cap198.46M
Analysts80
Price Target3.32 (-5.68%)
Short Float %0.37%
Short Ratio0.05
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)58.54%
PT rev (3m)58.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)7.54%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)13.28%
Revenue NY rev (3m)7.07%
Valuation
Industry RankSector Rank
PE 117.33
Fwd PE 29.04
P/S 7.43
P/FCF 151.29
P/OCF 55.15
P/B 12.08
P/tB 18.2
EV/EBITDA 93.24
EPS(TTM)0.03
EY0.85%
EPS(NY)0.12
Fwd EY3.44%
FCF(TTM)0.02
FCFY0.66%
OCF(TTM)0.06
OCFY1.81%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)1.15
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 21.28
F-Score5
WACC8.95%
ROIC/WACC0.65
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 Y102%
EPS Next 2Y211.38%
EPS Next 3Y172.34%
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