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

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

0.8509  +0 (+0.07%)

After market: 0.85 0 (-0.11%)

Fundamental Rating

4

Overall HIT gets a fundamental rating of 4 out of 10. We evaluated HIT against 144 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 does not seem to be growing, but still is valued expensively.


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

With an excellent Return On Assets value of 5.01%, HIT belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
With a Return On Equity value of 7.55%, HIT is not doing good in the industry: 65.28% of the companies in the same industry are doing better.
The Return On Invested Capital of HIT (5.77%) is better than 86.11% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HIT is significantly above the industry average of 4.07%.
The 3 year average ROIC (12.86%) for HIT is well above the current ROIC(5.77%). The reason for the recent decline needs to be investigated.
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

HIT has a Profit Margin of 4.77%. This is in the lower half of the industry: HIT underperforms 62.50% of its industry peers.
HIT has a worse Operating Margin (5.09%) than 75.00% of its industry peers.
The Gross Margin of HIT (74.44%) is better than 97.22% 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

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
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 5.91 indicates that HIT is not in any danger for bankruptcy at the moment.
HIT has a Altman-Z score of 5.91. This is amongst the best in the industry. HIT outperforms 99.31% of its industry peers.
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 5.91
ROIC/WACC0.65
WACC8.9%
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 2.31 indicates that HIT has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.31, HIT belongs to the top of the industry, outperforming 92.36% of the companies in the same industry.
A Quick Ratio of 2.31 indicates that HIT has no problem at all paying its short term obligations.
HIT has a better Quick ratio (2.31) than 92.36% 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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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 42.55, HIT can be considered very expensive at the moment.
80.56% of the companies in the same industry are cheaper than HIT, based on the Price/Earnings ratio.
HIT is valuated expensively when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
HIT is valuated quite expensively with a Price/Forward Earnings ratio of 42.12.
Based on the Price/Forward Earnings ratio, HIT is valued more expensive than 80.56% of the companies in the same industry.
HIT is valuated expensively when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 42.55
Fwd PE 42.12
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

Based on the Enterprise Value to EBITDA ratio, HIT is valued a bit more expensive than 65.97% of the companies 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 69.44% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 24.32
EV/EBITDA 23.17
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.
PEG (NY)0.69
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 (7/3/2025, 7:33:53 PM)

After market: 0.85 0 (-0.11%)

0.8509

+0 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)N/A N/A
Inst Owners1.99%
Inst Owner Change26505.4%
Ins Owners71.74%
Ins Owner Change165.31%
Market Cap46.52M
Analysts80
Price Target2.09 (145.62%)
Short Float %1.49%
Short Ratio0.41
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)0%
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 42.55
Fwd PE 42.12
P/S 2.08
P/FCF 24.32
P/OCF 13.75
P/B 3.29
P/tB 4.94
EV/EBITDA 23.17
EPS(TTM)0.02
EY2.35%
EPS(NY)0.02
Fwd EY2.37%
FCF(TTM)0.03
FCFY4.11%
OCF(TTM)0.06
OCFY7.27%
SpS0.41
BVpS0.26
TBVpS0.17
PEG (NY)0.69
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 5.91
F-ScoreN/A
WACC8.9%
ROIC/WACC0.65
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