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

NASDAQ:HIT - US42217D1028 - Common Stock

2.635 USD
-0.1 (-3.48%)
Last: 9/8/2025, 12:19:35 PM
Fundamental Rating

5

Overall HIT gets a fundamental rating of 5 out of 10. We evaluated HIT against 146 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year HIT was profitable.
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

Looking at the Return On Assets, with a value of 6.14%, HIT belongs to the top of the industry, outperforming 91.78% of the companies in the same industry.
HIT has a Return On Equity (8.29%) which is comparable to the rest of the industry.
HIT has a Return On Invested Capital of 5.85%. This is amongst the best in the industry. HIT outperforms 86.30% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HIT is significantly above the industry average of 4.47%.
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

The Profit Margin of HIT (5.10%) is worse than 63.01% of its industry peers.
Looking at the Operating Margin, with a value of 4.98%, HIT is doing worse than 74.66% of the companies in the same industry.
HIT has a Gross Margin of 70.96%. This is amongst the best in the industry. HIT outperforms 97.26% of its industry peers.
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

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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.
HIT has more shares outstanding than it did 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 17.73. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 17.73, HIT belongs to the best of the industry, outperforming 99.32% of the companies in the same industry.
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 17.73
ROIC/WACC0.67
WACC8.71%
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

HIT has a Current Ratio of 2.76. 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 2.76, HIT belongs to the top of the industry, outperforming 91.78% of the companies in the same industry.
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 91.78% 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

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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 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

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

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 131.75, HIT can be considered very expensive at the moment.
HIT's Price/Earnings ratio is rather expensive when compared to the industry. HIT is more expensive than 84.25% of the companies in the same industry.
HIT is valuated expensively when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 15.35, the valuation of HIT can be described as correct.
Based on the Price/Forward Earnings ratio, HIT is valued a bit more expensive than 64.38% of the companies in the same industry.
HIT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.66, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 131.75
Fwd PE 15.35
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

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 71.92% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIT indicates a slightly more expensive valuation: HIT is more expensive than 73.29% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 113.27
EV/EBITDA 75.03
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

HIT's 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)0.5
PEG (5Y)N/A
EPS Next 2Y270.62%
EPS Next 3Y182.83%

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0

5. Dividend

5.1 Amount

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

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HEALTH IN TECH INC-CLASS A

NASDAQ:HIT (9/8/2025, 12:19:35 PM)

2.635

-0.1 (-3.48%)

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-43.64%
Ins Owners70.15%
Ins Owner Change1.93%
Market Cap148.59M
Analysts80
Price Target3.32 (26%)
Short Float %2.77%
Short Ratio0.31
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)42.86%
PT rev (3m)58.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)80%
EPS NY rev (3m)125%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.07%
Valuation
Industry RankSector Rank
PE 131.75
Fwd PE 15.35
P/S 5.57
P/FCF 113.27
P/OCF 41.29
P/B 9.05
P/tB 13.63
EV/EBITDA 75.03
EPS(TTM)0.02
EY0.76%
EPS(NY)0.17
Fwd EY6.52%
FCF(TTM)0.02
FCFY0.88%
OCF(TTM)0.06
OCFY2.42%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)0.5
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 17.73
F-Score5
WACC8.71%
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