Health In Tech, Inc. (HIT) AI Stock Analysis

Health In Tech, Inc. operates an insurance technology platform in the United States. The company provides reference-based pricing, group insurance captives, community health plans, and association health programs for small businesses. It offers SMR, a program manager specializing in customized self-funded benefits plans for businesses, and ICE, an MGU specializing in underwriting and administrative functions for stop loss carriers. Its enhance do it yourself benefit system (eDIYBS) offers a web-based SaaS quoting platform to quote health insurance. The company also delivers health intelligence cards for medical records and claims, alongside the HI performance network for hospital facilities and medicare-based reimbursement pricing.

Health In Tech expanded its revenue from $5.8M in FY2022 to $19.2M in FY2023 and $19.5M in FY2024, reaching $33.3M in FY2025. This represents a 3-year revenue CAGR of 79.4%. However, gross margin contracted from 94.2% in FY2022 to 62.8% in FY2025, and operating margin declined from 17.7% in FY2023 to 4.6% in FY2025. Net income was $1.3M in FY2025 with diluted EPS of $0.02. For the trailing twelve months ended June 30, 2026, revenue stood at $32.8M, with a net profit margin of -12.0% and EPS of -$0.07. In the latest quarter, revenue declined 13.5% year-over-year, while quarterly earnings grew 10.3%.

As of June 30, 2026, Health In Tech held $6.5M in cash and short-term investments against $102,938 in total debt, leaving net cash of $6.4M. Its debt-to-equity ratio was 0.01 and its current ratio stood at 2.17 on shareholders' equity of $19.6M. Operating cash flow reached $3.1M in FY2025, up from $2.2M in FY2024. Capital expenditures totaled $3.2M in FY2025, which led to free cash flow of -$56,108.

Health In Tech trades at a market capitalization of $42.6M and an enterprise value of $51.3M. Its forward P/E of 8.8x and price-to-sales of 1.3x are lower than the median of its US-listed Technology peers at 18.8x forward P/E and 2.8x sales. In contrast, its EV/EBITDA of 291.3x sits well above the peer median of 16.6x. The stock closed at $0.65 on October 16, 2026, down 81.0% over the past year, compared to a 16.8% 1-year gain for the S&P 500.

Wall Street coverage consists of 1 Strong Buy and 1 Buy rating, with 0 Hold or Sell recommendations. The mean price target of $3.12 implies an upside of 378.0% over the last close of $0.65. For the fiscal year ending December 31, 2026, analysts estimate EPS of -$0.16 and revenue of $31.8M. For the following fiscal year, 2 analysts project revenue of $54.1M and EPS of -$0.02. Health In Tech beat EPS estimates 0 times over the last 4 quarters, and its next earnings date is November 9, 2026.

This page is an AI-written research summary of Health In Tech, Inc. (HIT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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