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:65Neutral
Price Target:
$1.50
▲(1.35% Upside)
Action:ReiteratedDate:03/28/26
HIT’s score is driven primarily by solid underlying financial health (very low leverage and improving cash flow) and upbeat 2026 growth guidance from the latest earnings call. These positives are offset by weak technicals (trading below key moving averages with soft momentum) and a high P/E valuation that increases sensitivity to execution and margin consistency.
Positive Factors
Conservative Balance Sheet
Extremely low leverage and a materially larger equity base provide durable financial flexibility. This reduces refinancing and liquidity risk, supports continued investment in product and distribution, and gives management room to execute growth initiatives without short-term solvency pressure.
Negative Factors
Thin and Volatile Profitability
Sustained net margins in the low single digits leave little cushion for cost inflation or execution hiccups. Thin margins increase sensitivity to revenue mix shifts and timing volatility, meaning sustained profitability depends on consistent operating leverage as scale increases.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Extremely low leverage and a materially larger equity base provide durable financial flexibility. This reduces refinancing and liquidity risk, supports continued investment in product and distribution, and gives management room to execute growth initiatives without short-term solvency pressure.
Read all positive factors
Health In Tech, Inc. Class A (HIT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$77.63M
Dividend YieldN/A
Average Volume (3M)478.35K
Price to Earnings (P/E)―
Beta (1Y)1.57
Revenue Growth55.15%
EPS Growth-22.92%
CountryUS
Employees73
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)-0.01
Shares Outstanding45,379,005
10 Day Avg. Volume220,135
30 Day Avg. Volume478,346
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 Cap0.87
Enterprise Value/Revenue2.04
Enterprise Value/Gross Profit3.24
Enterprise Value/Ebitda26.36
Forecast
1Y Price Target
$4.00Price Target Upside170.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)>-0.01
Revenue Forecast (FY)$43.82M
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:Mar 25, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 20, 2026
Earnings Call Sentiment Positive
The call conveyed strong growth and improving profitability at the full-year level (71% revenue growth, margin expansion, positive operating cash flow, distribution and enrollment expansion, and confident 2026 guidance). At the same time, the company flagged near-term timing and seasonality impacts (notably weaker Q4 profitability), and several strategic initiatives (large-employer product, three-year rate stabilization, physiological data beta) remain early-stage with long sales cycles and not yet material to revenue. Overall, the positives (rapid revenue growth, improving margins, cash generation, product/AI momentum and clear guidance) outweigh the near-term operational and timing headwinds.Positive Updates
Strong Full-Year Revenue Growth
Total revenue increased 71% year-over-year for full year 2025 to $33,300,000, reflecting broad adoption of the AI-enabled underwriting marketplace.
Negative Updates
Weakness in Fourth-Quarter Profitability
Fourth-quarter adjusted EBITDA was $300,000 (down from $500,000 prior year) and GAAP net income was negative $300,000 (vs. negative $100,000 prior year); fourth-quarter pre-tax loss was $400,000, reflecting reinvestment and timing issues.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Full-Year Revenue Growth
Total revenue increased 71% year-over-year for full year 2025 to $33,300,000, reflecting broad adoption of the AI-enabled underwriting marketplace.
Read all positive updates
Company Guidance
For 2026 management guided revenue of $45.0–$50.0 million, implying roughly 35%–50% year‑over‑year growth versus 2025 revenue of $33.3 million (Q4 2025 revenue $7.5M), supported by distribution scale (885 brokers/TPAs/agencies, +34% YoY), 22,515 enrolled employees (+23% YoY), and platform enhancements (100+ preconfigured stop‑loss programs launched Jan 2026 and features that can compress time‑to‑revenue to 1–2 quarters versus 12–24 months). They cited 2025 profitability and efficiency metrics backing the outlook: adjusted EBITDA $4.1M (12.3% of revenue, +81% YoY), net income $1.2M (~4%, +91% YoY), full‑year pre‑tax income $1.7M, positive operating cash flow $3.1M, AR days down to 14 from 29, $7.7M cash on hand, and total operating expenses of $19.4M (58% of revenue), while noting Q4 reinvestments that produced Q4 adjusted EBITDA $0.3M and a Q4 net loss of $0.3M.Health In Tech, Inc. Class A Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
86
Very Positive
Cash Flow
71
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 33.33M | 19.49M | 19.15M | 5.77M |
| Gross Profit | 20.94M | 15.44M | 16.85M | 5.44M |
| EBITDA | 2.57M | 1.93M | 3.76M | 205.58K |
| Net Income | 1.28M | 670.48K | 2.48M | 79.74K |
Balance Sheet | ||||
| Total Assets | 23.09M | 15.77M | 11.50M | 28.56M |
| Cash, Cash Equivalents and Short-Term Investments | 7.67M | 7.85M | 2.42M | 1.49M |
| Total Debt | 139.81K | 206.69K | 1.92M | 316.09K |
| Total Liabilities | 5.98M | 2.60M | 5.41M | 27.14M |
| Stockholders Equity | 17.11M | 13.17M | 6.09M | 1.05M |
Cash Flow | ||||
| Free Cash Flow | -56.11K | 1.28M | 384.52K | -436.63K |
| Operating Cash Flow | 3.13M | 2.18M | 1.53M | 782.75K |
| Investing Cash Flow | -3.13M | -836.75K | -1.94M | -1.22M |
| Financing Cash Flow | -187.39K | 4.09M | 1.34M | 1.88M |
Health In Tech, Inc. Class A Technical Analysis
Negative
1.48
Price Trends
1.42
Negative
1.43
Negative
1.97
Negative
Market Momentum
-0.05
Positive
42.14
Neutral
19.26
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HIT, the sentiment is Negative. The current price of 1.48 is below the 20-day moving average (MA) of 1.64, above the 50-day MA of 1.42, and below the 200-day MA of 1.97, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 42.14 is Neutral, neither overbought nor oversold. The STOCH value of 19.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
65 Neutral | $77.63M | -73.37 | 7.89% | ― | 55.15% | -22.92% | |
65 Neutral | $80.95M | 42.24 | 26.72% | ― | 5.83% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
59 Neutral | $61.49M | -72.12 | 15.69% | ― | -1.17% | 43.94% | |
48 Neutral | $87.18M | ― | -12.81% | ― | -1.83% | -642.89% |
* Technology Sector Average
HIT
Health In Tech, Inc. Class A
1.36
0.72
112.50%
WFCF
Where Food Comes From
12.18
0.70
6.10%
SSTI
SoundThinking Inc
6.73
-9.63
-58.86%
RSSS
Research Solutions
2.46
0.08
3.36%
Health In Tech, Inc. Class A Corporate Events
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.