Health In Tech, Inc. (HIT) stock analysis
Close on Nov 11, 2026Market cap $36.67MP/E –Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak3 of 30 checks passed
Health In Tech passes 3 of the 30 checks behind our score; 22 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 1/6
- Past performance
- 0/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
P/S below the industry
Health In Tech's price-to-sales of 1.12 is below the Insurance Agents, Brokers, and Service median of 3.43.
Growing faster than the industry
Revenue grew 23.0% over the last twelve months; the Insurance Agents, Brokers, and Service median is 13.8%.
Short-term assets cover short-term debts
Current assets are 2.18 times current liabilities.
What to watch
Gross margin slipping
Gross margin was 53.9% over the last twelve months, against 71.0% a year earlier.
Return on assets under 1%
Return on assets was -15.2%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Health In Tech's return on equity of -24.0% is below the Insurance Agents, Brokers, and Service median of 9.3%.
Net margin below the industry
Health In Tech's net margin of -12.0% is below the Insurance Agents, Brokers, and Service median of 4.9%.
Valuation1/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S below the industry
Health In Tech's price-to-sales of 1.12 is below the Insurance Agents, Brokers, and Service median of 3.43.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth1/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 23.0% over the last twelve months; the Insurance Agents, Brokers, and Service median is 13.8%.
Guidance unchanged
The latest outlook (full-year 2026 full-year 2026 revenue guidance, Aug 13, 2026) was maintained, so it neither adds nor takes away points.
Gross margin slipping
Gross margin was 53.9% over the last twelve months, against 71.0% a year earlier.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was -15.2%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Health In Tech's return on equity of -24.0% is below the Insurance Agents, Brokers, and Service median of 9.3%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin below the industry
Health In Tech's net margin of -12.0% is below the Insurance Agents, Brokers, and Service median of 4.9%.
Financial health1/6
Debt level
Needs debt and equity figures.
Debt trend
Needs a balance sheet from five years ago with positive equity.
Debt coverage
Needs operating cash flow.
Interest coverage
Interest expense is not reported separately.
Short-term assets cover short-term debts
Current assets are 2.18 times current liabilities.
Bankruptcy risk (Altman Z)
The Altman model does not apply to insurers.
Dividend0/6
No dividend
Health In Tech has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Health In Tech. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Insurance Agents, Brokers, and Service median 30.1
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
High risk
- Average value traded per day
- $65.10K
- Value traded per 1% price move
- $10.04K
Downside
High risk
- Typical loss in a bad month
- 42.9%
- Volatility (annualized)
- 93%
- Sharpe ratio, 1 year
- -0.91
- Beta to the S&P 500 (5Y)
- 1.45
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2022 to 2025
Gross margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +71.0% | – | – | – | |
| Gross profit | +35.6% | – | – | – | |
| Net income | +90.7% | – | – | – | |
| EPS, diluted | +100.0% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2022 | FY2022 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 8.4% | |
| Return on assets | – | – | 6.6% | |
| Current ratio | – | – | 3.13 | |
| Diluted shares | – | – | 58M |
Cash use needs five years of cash flow figures
Health In Tech does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 3.8% | 1.72× | 1.28× | 8.4% |
| FY2024 | 3.4% | 1.43× | 1.42× | 7.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$1.28M
- Cash generatingOperating cash flow above zero$3.13M
- Return on assets improvedROA up on the prior year5.8% → 8.1%
- Earnings backed by cashOperating cash flow above net income$3.13M vs $1.28M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose5.06 → 3.13
- No dilutionShare count did not rise54M → 58M
- Gross margin improvedGross margin up on the prior year79.21% → 62.82%
- More efficientAsset turnover rose1.69 → 2.11
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