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

USA - NASDAQ:HIT - US42217D1028 - Common Stock

2.94 USD
-0.06 (-2%)
Last: 10/24/2025, 6:34:00 PM
2.8905 USD
-0.05 (-1.68%)
After Hours: 10/24/2025, 6:34:00 PM
Fundamental Rating

5

Taking everything into account, HIT scores 5 out of 10 in our fundamental rating. 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

HIT had positive earnings in the past year.
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

HIT's Return On Assets of 6.14% is amongst the best of the industry. HIT outperforms 91.16% of its industry peers.
HIT has a Return On Equity (8.29%) which is comparable to the rest of the 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.
Measured over the past 3 years, the Average Return On Invested Capital for HIT is significantly above the industry average of 4.46%.
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 63.95% of the companies in the same industry.
HIT has a worse Operating Margin (4.98%) than 74.83% of its industry peers.
HIT has a Gross Margin of 70.96%. This is amongst the best in the industry. HIT outperforms 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

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HIT is 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.
Looking at the Altman-Z score, with a value of 19.87, HIT belongs to the top of the industry, outperforming 100.00% 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 19.87
ROIC/WACC0.68
WACC8.63%
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.
Looking at the Current ratio, with a value of 2.76, HIT belongs to the top of the industry, outperforming 91.84% of the companies in the same industry.
A Quick Ratio of 2.76 indicates that HIT has no problem at all paying its short term obligations.
HIT has a Quick ratio of 2.76. This is amongst the best in 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

The earnings per share for HIT have decreased strongly by -68.75% in the last year.
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

HIT is valuated quite expensively with a Price/Earnings ratio of 147.00.
Based on the Price/Earnings ratio, HIT is valued expensively inside the industry as 85.03% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HIT to the average of the S&P500 Index (26.91), we can say HIT is valued expensively.
A Price/Forward Earnings ratio of 17.12 indicates a rather expensive valuation of HIT.
Based on the Price/Forward Earnings ratio, HIT is valued a bit more expensive than the industry average as 64.63% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.92, HIT is valued a bit cheaper.
Industry RankSector Rank
PE 147
Fwd PE 17.12
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

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.
Based on the Price/Free Cash Flow ratio, HIT is valued a bit more expensive than the industry average as 71.43% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 126.38
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)0.56
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 (10/24/2025, 6:34:00 PM)

After market: 2.8905 -0.05 (-1.68%)

2.94

-0.06 (-2%)

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 Cap165.79M
Revenue(TTM)26.69M
Net Income(TTM)1.36M
Analysts80
Price Target3.32 (12.93%)
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 147
Fwd PE 17.12
P/S 6.21
P/FCF 126.38
P/OCF 46.07
P/B 10.09
P/tB 15.2
EV/EBITDA 86.03
EPS(TTM)0.02
EY0.68%
EPS(NY)0.17
Fwd EY5.84%
FCF(TTM)0.02
FCFY0.79%
OCF(TTM)0.06
OCFY2.17%
SpS0.47
BVpS0.29
TBVpS0.19
PEG (NY)0.56
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
WACC8.63%
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

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 2 / 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.