HEALTH IN TECH INC-CLASS A (HIT) Stock Fundamental Analysis
USA - NASDAQ:HIT - US42217D1028 - Common Stock
2.65 USD
+0.04 (+1.53%)
2.63 USD
-0.02 (-0.75%)
We assign a fundamental rating of 5 out of 10 to HIT. HIT was compared to 147 industry peers in the Insurance industry. While HIT has a great health rating, its profitability is only average at the moment. HIT is valied quite expensively at the moment, while it does show a decent growth rate.
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.
1.2 Ratios
HIT's Return On Assets of 6.14% is amongst the best of the industry. HIT outperforms 91.16% of its industry peers.
Looking at the Return On Equity, with a value of 8.29%, HIT is in line with its industry, outperforming 40.82% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.85%, HIT belongs to the best of the industry, outperforming 85.71% 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 4.49%.
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 Rank | Sector 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
1.3 Margins
The Profit Margin of HIT (5.10%) is worse than 63.95% of its industry peers.
HIT has a Operating Margin of 4.98%. This is in the lower half of the industry: HIT underperforms 74.83% of its industry peers.
The Gross Margin of HIT (70.96%) is better than 97.28% of its industry peers.
| Industry Rank | Sector 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
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.
2.2 Solvency
HIT has an Altman-Z score of 17.81. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
HIT has a better Altman-Z score (17.81) than 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 | 0 | ||
| Altman-Z | 17.81 |
ROIC/WACC0.67
WACC8.72%
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 better Current ratio (2.76) than 91.84% 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.
The Quick ratio of HIT (2.76) is better than 91.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.76 | ||
| Quick Ratio | 2.76 |
3. Growth
3.1 Past
The earnings per share for HIT have decreased strongly by -68.75% in the last year.
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 182.83% 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 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
4. Valuation
4.1 Price/Earnings Ratio
HIT is valuated quite expensively with a Price/Earnings ratio of 132.50.
Based on the Price/Earnings ratio, HIT is valued expensively inside the industry as 85.03% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.10. HIT is valued rather expensively when compared to this.
HIT is valuated correctly with a Price/Forward Earnings ratio of 15.43.
Based on the Price/Forward Earnings ratio, HIT is valued a bit more expensive than 63.27% of the companies in the same industry.
HIT's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 132.5 | ||
| Fwd PE | 15.43 |
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 72.79% of the companies listed in the same industry.
HIT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HIT is more expensive than 70.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 113.91 | ||
| EV/EBITDA | 75.48 |
4.3 Compensation for Growth
HIT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
HIT's earnings are expected to grow with 182.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y270.62%
EPS Next 3Y182.83%
5. Dividend
5.1 Amount
No dividends for HIT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
2.65
+0.04 (+1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.82%
Inst Owner Change0%
Ins Owners70.28%
Ins Owner Change2.6%
Market Cap149.43M
Revenue(TTM)26.69M
Net Income(TTM)1.36M
Analysts80
Price Target3.95 (49.06%)
Short Float %1.01%
Short Ratio0.29
Dividend
| Industry Rank | Sector 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)19.23%
PT rev (3m)70.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)80%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 132.5 | ||
| Fwd PE | 15.43 | ||
| P/S | 5.6 | ||
| P/FCF | 113.91 | ||
| P/OCF | 41.53 | ||
| P/B | 9.1 | ||
| P/tB | 13.7 | ||
| EV/EBITDA | 75.48 |
EPS(TTM)0.02
EY0.75%
EPS(NY)0.17
Fwd EY6.48%
FCF(TTM)0.02
FCFY0.88%
OCF(TTM)0.06
OCFY2.41%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)0.5
PEG (5Y)N/A
Graham Number0.36
Profitability
| Industry Rank | Sector 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
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 Turnover1.2
Health
| Industry Rank | Sector 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 | 17.81 |
F-Score5
WACC8.72%
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)-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
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 for HIT stock?
ChartMill assigns a valuation rating of 3 / 10 to HEALTH IN TECH INC-CLASS A (HIT). This can be considered as Overvalued.
How profitable is HEALTH IN TECH INC-CLASS A (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.
What is the earnings growth outlook for HEALTH IN TECH INC-CLASS A?
The Earnings per Share (EPS) of HEALTH IN TECH INC-CLASS A (HIT) is expected to grow by 263.6% in the next year.