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

USA - NASDAQ:HIT - US42217D1028 - Common Stock

3 USD
+0.28 (+10.29%)
Last: 10/23/2025, 8:07:27 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to HIT. HIT was compared to 147 industry peers in the Insurance industry. HIT has an excellent financial health rating, but there are some minor concerns on its profitability. 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.
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

Looking at the Return On Assets, with a value of 6.14%, HIT belongs to the top of the industry, outperforming 91.16% of the companies in the same industry.
The Return On Equity of HIT (8.29%) is comparable to the rest of the industry.
The Return On Invested Capital of HIT (5.85%) is better than 85.71% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HIT is significantly above the industry average of 4.46%.
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 63.95% of its industry peers.
Looking at the Operating Margin, with a value of 4.98%, HIT is doing worse than 74.83% of the companies in the same industry.
HIT has a better Gross Margin (70.96%) than 97.28% 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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HIT is still creating some value.
Compared to 1 year ago, HIT has more shares outstanding
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 19.87. This indicates that HIT is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 19.87, HIT belongs to the best of the industry, outperforming 100.00% 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 0
Altman-Z 19.87
ROIC/WACC0.68
WACC8.59%
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.
HIT has a better Current ratio (2.76) than 91.84% of its industry peers.
A Quick Ratio of 2.76 indicates that HIT has no problem at all paying its short term obligations.
HIT's Quick ratio of 2.76 is amongst the best of the industry. HIT outperforms 91.84% 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%.
HIT shows a small growth in Revenue. In the last year, the Revenue has grown by 1.77%.
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
Based on estimates for the next years, HIT will show a very strong growth in Revenue. The Revenue will grow by 57.24% on average per year.
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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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 150.00, the valuation of HIT can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of HIT indicates a rather expensive valuation: HIT more expensive than 85.03% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.67, HIT is valued quite expensively.
The Price/Forward Earnings ratio is 17.47, which indicates a rather expensive current valuation of HIT.
64.63% of the companies in the same industry are cheaper than HIT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of HIT to the average of the S&P500 Index (23.33), we can say HIT is valued slightly cheaper.
Industry RankSector Rank
PE 150
Fwd PE 17.47
HIT Price Earnings VS Forward Price EarningsHIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

HIT's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. HIT is more expensive than 72.79% of the companies in the same industry.
71.43% of the companies in the same industry are cheaper than HIT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 128.96
EV/EBITDA 86.03
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

The 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)0.57
PEG (5Y)N/A
EPS Next 2Y270.62%
EPS Next 3Y182.83%

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0

5. Dividend

5.1 Amount

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

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HEALTH IN TECH INC-CLASS A

NASDAQ:HIT (10/23/2025, 8:07:27 PM)

3

+0.28 (+10.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)N/A N/A
Inst Owners0.82%
Inst Owner Change0%
Ins Owners70.28%
Ins Owner Change2.6%
Market Cap169.17M
Revenue(TTM)26.69M
Net Income(TTM)1.36M
Analysts80
Price Target3.32 (10.67%)
Short Float %0.68%
Short Ratio0.08
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)0%
PT rev (3m)42.86%
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)7.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)13.28%
Valuation
Industry RankSector Rank
PE 150
Fwd PE 17.47
P/S 6.34
P/FCF 128.96
P/OCF 47.01
P/B 10.3
P/tB 15.51
EV/EBITDA 86.03
EPS(TTM)0.02
EY0.67%
EPS(NY)0.17
Fwd EY5.72%
FCF(TTM)0.02
FCFY0.78%
OCF(TTM)0.06
OCFY2.13%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)0.57
PEG (5Y)N/A
Graham Number0.36
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
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 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 19.87
F-Score5
WACC8.59%
ROIC/WACC0.68
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