Health In Tech, Inc. Class A (HIT)
NASDAQ:HIT
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Health In Tech, Inc. Class A
(NASDAQ:HIT)
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Rating:49Neutral
Price Target:
$1.00
▼(-33.33% Downside)
Action:Reiterated
Date:05/16/26
The score is held back primarily by severe TTM cash flow deterioration and a move back to losses, despite a conservatively financed balance sheet. Technicals also reflect a downtrend with weak momentum. Offsetting factors include reiterated high-growth revenue guidance and clear product/strategy progress from the earnings call, but near-term profitability pressure and guidance/recognition uncertainty limit confidence.
Positive Factors
Conservative Balance Sheet
Very low leverage and a strengthened equity base provide durable financial flexibility. Over the next 2–6 months this reduces refinancing and solvency risk, allowing management to fund platform investments and sales expansion without immediate reliance on dilutive or expensive capital sources.
Negative Factors
Severe Cash Flow Weakness
TTM negative operating and free cash flow materially increase financing and execution risk over the next several quarters. Persistent cash burn can force further capital raises, constrain strategic investments, and pressure operational flexibility even as revenue grows.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and a strengthened equity base provide durable financial flexibility. Over the next 2–6 months this reduces refinancing and solvency risk, allowing management to fund platform investments and sales expansion without immediate reliance on dilutive or expensive capital sources.
Read all positive factors
Health In Tech, Inc. Class A (HIT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$60.50M
Dividend YieldN/A
Average Volume (3M)477.00K
Price to Earnings (P/E)―
Beta (1Y)1.48
Revenue Growth52.29%
EPS Growth-169.04%
CountryUS
Employees73
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)-0.02
Shares Outstanding45,379,005
10 Day Avg. Volume123,776
30 Day Avg. Volume477,001
Financial Highlights & Ratios
PEG Ratio0.69
Price to Book (P/B)5.19
Price to Sales (P/S)2.66
P/FCF Ratio-1.58K
Enterprise Value/Market Cap0.77
Enterprise Value/Revenue1.36
Enterprise Value/Gross Profit2.31
Enterprise Value/Ebitda-114.70
Forecast
1Y Price Target
$4.00Price Target Upside166.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)$46.38M
Health In Tech, Inc. Class A Business Overview & Revenue Model
Company Description
Health In Tech, Inc. operates as an insurance technology platform company. The company offers reference-based pricing, group insurance captives, community health plans, and association health programs for small businesses; and enhance do it yourse...
How the Company Makes Money
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Health In Tech, Inc. Class A Earnings Call Summary
Earnings Call Date:May 13, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
Earnings Call Sentiment Neutral
The call highlighted strong product and technology progress (new platform features, PPPV disclosure, 100+ pre-configured plans, AWS partnership), a meaningful market opportunity, and modest capital raised to fund growth. However, near-term financials show a clear trade-off: deliberate, sizable investments have pushed adjusted EBITDA and net income into negative territory, operating expense ratios rose materially, and there is a notable inconsistency between management's reiterated FY guidance ($45M–$50M) and the CFO's stated internal recognition estimate ($31.7M), creating short-term visibility risk. Overall, the call balances tangible product and pipeline momentum with short-term profitability and guidance uncertainties.Positive Updates
Revenue and Growth Guidance
Reported Q1 2026 revenue of $8.8M, representing ~9% year-over-year growth. Management reiterated full-year 2026 revenue guidance of $45M–$50M (implying ~35%–50% YoY growth versus 2025).
Negative Updates
Profitability Deterioration (Adjusted EBITDA and Net Income)
Adjusted EBITDA swung to negative $1.3M in Q1 2026 from positive $1.2M in prior-year period (absolute change of -$2.5M). Net income became a loss of $1.6M versus prior-year net income of $0.5M (absolute change of -$2.1M), reflecting near-term margin pressure from investments.
Read all updates
Q1-2026 Updates
Positive
Negative
Revenue and Growth Guidance
Reported Q1 2026 revenue of $8.8M, representing ~9% year-over-year growth. Management reiterated full-year 2026 revenue guidance of $45M–$50M (implying ~35%–50% YoY growth versus 2025).
Read all positive updates
Company Guidance
Management reiterated full-year 2026 revenue guidance of $45–$50 million (≈35%–50% YoY growth); in Q1 they reported revenue of $8.8M, platform-placed plan value (PPPV) of $82M, contracted revenue remaining as of March 31 of $22.9M (which with Q1 implies $31.7M of GAAP-recognized revenue based on contracts on the books), adjusted EBITDA of –$1.3M (vs. +$1.2M prior year), net loss of $1.6M (vs. $0.5M net income prior year), cash of $10.3M (after a ~$7M gross PIPE), total operating expenses of $6.7M (76% of revenue) including sales & marketing $2.3M (26%), G&A $3.5M (39%), R&D $0.9M (10%) with $0.6M capitalized software and ~$1.5M total tech spend; management noted 2025 revenue of $33M, a small six-person in‑house sales team in 2025, plans to add 2–3 sales reps, and continued investment in distribution, carriers and AI to hit the reiterated guidance.Health In Tech, Inc. Class A Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
83
Very Positive
Cash Flow
18
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 34.08M | 33.33M | 19.49M | 19.15M | 5.77M |
| Gross Profit | 20.09M | 20.94M | 15.44M | 16.85M | 5.44M |
| EBITDA | -403.81K | 2.57M | 1.93M | 3.76M | 205.58K |
| Net Income | -808.03K | 1.28M | 670.48K | 2.48M | 79.74K |
Balance Sheet | |||||
| Total Assets | 28.97M | 23.09M | 15.77M | 11.50M | 28.56M |
| Cash, Cash Equivalents and Short-Term Investments | 10.33M | 7.67M | 7.85M | 2.42M | 1.49M |
| Total Debt | 121.59K | 139.81K | 206.69K | 1.92M | 316.09K |
| Total Liabilities | 7.36M | 5.98M | 2.60M | 5.41M | 27.14M |
| Stockholders Equity | 21.60M | 17.11M | 13.17M | 6.09M | 1.05M |
Cash Flow | |||||
| Free Cash Flow | -841.02K | -56.11K | 1.28M | 384.52K | -436.63K |
| Operating Cash Flow | -712.79K | 3.13M | 2.18M | 1.53M | 782.75K |
| Investing Cash Flow | -2.78M | -3.13M | -836.75K | -1.94M | -1.22M |
| Financing Cash Flow | 6.25M | -187.39K | 4.09M | 1.34M | 1.88M |
Health In Tech, Inc. Class A Technical Analysis
Positive
1.50
Price Trends
1.46
Positive
1.43
Positive
1.99
Negative
Market Momentum
-0.04
Positive
50.60
Neutral
70.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIT, the sentiment is Positive. The current price of 1.5 is above the 20-day moving average (MA) of 1.49, above the 50-day MA of 1.46, and below the 200-day MA of 1.99, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 50.60 is Neutral, neither overbought nor oversold. The STOCH value of 70.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HIT.
Health In Tech, Inc. Class A Risk Analysis
Health In Tech, Inc. Class A disclosed 38 risk factors in its most recent earnings report. Health In Tech, Inc. Class A reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Health In Tech, Inc. Class A Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $78.64M | 20.77 | 27.45% | ― | -0.18% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
56 Neutral | $46.51M | 182.90 | 15.69% | ― | -1.78% | -18.81% | |
50 Neutral | $85.76M | -3.04 | -20.76% | ― | -4.78% | -90.32% | |
49 Neutral | $60.50M | -13.09 | 7.89% | ― | 52.29% | -169.04% |
* Technology Sector Average
HIT
Health In Tech, Inc. Class A
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Health In Tech, Inc. Class A Corporate Events
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Health In Tech outlines 2026 investment and growth strategy
Positive
May 14, 2026
On May 13, 2026, Health In Tech, Inc. held its first-quarter 2026 earnings call to review results for the period ended March 31, 2026, and to outline its strategic priorities for the year. Management reiterated that the company serves a massive, o...
Business Operations and Strategy
Health In Tech Showcases AI Platform in Investor Presentation
Positive
May 13, 2026
On May 13, 2026, Health In Tech, Inc. released an investor presentation outlining how its AI‑driven platform enables small and medium‑sized businesses to adopt self‑funded health plans more easily. The materials emphasize that th...
Business Operations and Strategy
Health In Tech Showcases AI Platform in Investor Presentation
Positive
May 13, 2026
On May 13, 2026, Health In Tech, Inc. released an investor presentation outlining how its AI‑driven platform enables small and medium‑sized businesses to adopt self‑funded health plans more easily. The materials emphasize that th...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and FinancingProduct-Related Announcements
Health In Tech Reports Q1 Loss Amid Revenue Growth
Negative
May 13, 2026
Health In Tech, Inc., an AI-enabled InsurTech platform focused on the U.S. self-funded health insurance market, offers a digital marketplace that automates and simplifies underwriting, sales and servicing for brokers, TPAs, MGUs and carriers. The ...
Business Operations and StrategyExecutive/Board Changes
Health In Tech Shifts Executive Role to Advisory Position
Neutral
May 1, 2026
On April 27, 2026, Health In Tech, Inc. received formal notice that Dustin Plantholt would depart from his role as Chief AI Marketing Officer, with his exit effective April 30, 2026, as part of a business transition and not due to any disagreemen...
Business Operations and StrategyRegulatory Filings and Compliance
Health In Tech Highlights AI Platform in Investor Presentation
Positive
Mar 27, 2026
On March 25, 2026, Health In Tech, Inc. prepared an investor presentation to be used by its executives at conferences and meetings, outlining how its AI‑driven platform integrates health plan administration and stop‑loss underwriting t...
Business Operations and StrategyPrivate Placements and Financing
Health In Tech Raises $7 Million in PIPE Financing
Positive
Mar 27, 2026
On March 27, 2026, Health In Tech, Inc. announced it had closed a previously disclosed private investment in public equity financing, raising approximately $7.0 million in gross proceeds from institutional and accredited investors. The company iss...
Business Operations and StrategyPrivate Placements and Financing
Health In Tech Announces $7 Million PIPE Financing
Positive
Mar 26, 2026
On March 25, 2026, Health In Tech, Inc., an AI-enabled InsurTech platform focused on self-funded employer health plans and automated underwriting solutions, entered into a securities purchase agreement for a private investment in public equity fin...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
Health In Tech advances AI platform and leadership expansion
Positive
Mar 25, 2026
Health In Tech reported strong growth for the quarter and year ended December 31, 2025, with full-year revenue rising 71% to $33.3 million and adjusted EBITDA up 81% to $4.1 million, while net income increased to $1.3 million despite a fourth-quar...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.