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

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

0.5967  0 (-0.55%)

After market: 0.5822 -0.01 (-2.43%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HIT. HIT was compared to 143 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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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's Return On Assets of 5.01% is amongst the best of the industry. HIT outperforms 88.11% of its industry peers.
HIT has a worse Return On Equity (7.55%) than 64.34% of its industry peers.
The Return On Invested Capital of HIT (5.77%) is better than 86.01% of its industry peers.
HIT had an Average Return On Invested Capital over the past 3 years of 12.86%. This is significantly above the industry average of 4.07%.
The last Return On Invested Capital (5.77%) 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 5.01%
ROE 7.55%
ROIC 5.77%
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

With a Profit Margin value of 4.77%, HIT is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
Looking at the Operating Margin, with a value of 5.09%, HIT is doing worse than 74.83% of the companies in the same industry.
The Gross Margin of HIT (74.44%) is better than 97.20% of its industry peers.
Industry RankSector Rank
OM 5.09%
PM (TTM) 4.77%
GM 74.44%
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

HIT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for HIT has been increased compared to 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

An Altman-Z score of 4.76 indicates that HIT is not in any danger for bankruptcy at the moment.
The Altman-Z score of HIT (4.76) is better than 98.60% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 4.76
ROIC/WACC0.61
WACC9.45%
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 2.31. 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 2.31, HIT belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.
HIT has a Quick Ratio of 2.31. This indicates that HIT is financially healthy and has no problem in meeting its short term obligations.
HIT has a Quick ratio of 2.31. This is amongst the best in the industry. HIT outperforms 92.31% of its industry peers.
Industry RankSector Rank
Current Ratio 2.31
Quick Ratio 2.31
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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0

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%426.32%
Revenue 1Y (TTM)1.77%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%56.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y61.6%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year58.79%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
HIT Yearly Revenue VS EstimatesHIT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 10M 20M 30M
HIT Yearly EPS VS EstimatesHIT Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 0.01 0.01 0.02 0.02

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 29.84, which means the current valuation is very expensive for HIT.
76.22% of the companies in the same industry are cheaper than HIT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HIT to the average of the S&P500 Index (26.31), we can say HIT is valued inline with the index average.
A Price/Forward Earnings ratio of 29.54 indicates a quite expensive valuation of HIT.
HIT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HIT is more expensive than 79.72% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, HIT is valued a bit more expensive.
Industry RankSector Rank
PE 29.84
Fwd PE 29.54
HIT Price Earnings VS Forward Price EarningsHIT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

HIT's Enterprise Value to EBITDA ratio is in line with the industry average.
HIT's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HIT is more expensive than 65.03% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.05
EV/EBITDA 15.01
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.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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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 (6/13/2025, 8:06:57 PM)

After market: 0.5822 -0.01 (-2.43%)

0.5967

0 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)N/A N/A
Inst Owners0.01%
Inst Owner Change26505.4%
Ins Owners72.64%
Ins Owner Change4.38%
Market Cap32.62M
AnalystsN/A
Price Target2.09 (250.26%)
Short Float %2.13%
Short Ratio0.32
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 29.84
Fwd PE 29.54
P/S 1.46
P/FCF 17.05
P/OCF 9.64
P/B 2.3
P/tB 3.46
EV/EBITDA 15.01
EPS(TTM)0.02
EY3.35%
EPS(NY)0.02
Fwd EY3.39%
FCF(TTM)0.03
FCFY5.86%
OCF(TTM)0.06
OCFY10.37%
SpS0.41
BVpS0.26
TBVpS0.17
PEG (NY)0.48
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 5.01%
ROE 7.55%
ROCE 7.81%
ROIC 5.77%
ROICexc 12.01%
ROICexgc 37.13%
OM 5.09%
PM (TTM) 4.77%
GM 74.44%
FCFM 8.55%
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-ScoreN/A
Asset Turnover1.05
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 271.23%
Cap/Sales 6.57%
Interest Coverage 250
Cash Conversion 201.36%
Profit Quality 179.04%
Current Ratio 2.31
Quick Ratio 2.31
Altman-Z 4.76
F-ScoreN/A
WACC9.45%
ROIC/WACC0.61
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%426.32%
EPS Next Y61.6%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.77%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%56.49%
Revenue Next Year58.79%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-70.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
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