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Health In Tech, Inc. Class A (HIT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Health In Tech, Inc. Class A stock $0.27, price $0.56, that is 51.6% below the price, quality 47 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Technology US

HI Health In Tech, Inc. Class A logo Thin data Nov 9, 2026

Health In Tech, Inc. Class A

HIT · US
Very expensive, weak quality

Our calculation puts a fair price 52% below what the stock costs today.

Quality 47/100
Expensive Growth (revenue 3y +79.4 %/yr in USD)
Loss over the last twelve months · -12.0% net margin (TTM) · fiscal year 2025 3.8%
Insiders sold $40,646 (6M)
Revenue last quarter 14% below a year ago.
Fair value $0.2700 · Strongly overvalued
Negative free cash flow
Trails peers (3/10)
Narrow moat 19/100 · thin data
Thin data
⚠ Small free float
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$7.46 $0.5359 Fair Value $0.2700 Dec 2024 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

22‑month range $0.5359 – $7.46 · fair‑value band $0.2300 – $0.3000 · the $0.5574 price screens above the $0.2700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Health In Tech, Inc. operates as an insurance technology platform company in the United States.

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The company offers reference-based pricing, group insurance captives, community health plans, and association health programs for small businesses; SMR, a program manager specializing in customized self-funded benefits plans for businesses; ICE is, an MGU, which specializes in underwriting and providing administrative functions on behalf of stop loss carriers; and enhance do it yourself benefit system (eDIYBS), a web-based SaaS quoting platform to quote health insurance for small and medium sized employers.

It also provides health intelligence (HI) cards to streamline the management of medical records and claims; and HI performance network, which offers a series of hospital facilities, as well as delivers medicare-based reimbursement pricing.

Health In Tech, Inc. was founded in 2014 and is headquartered in Stuart, Florida.

Stock analysis

Health In Tech, Inc. Class A (HIT) currently trades at $0.5574, while our model-based Fair Value estimate is $0.2700, 52% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $0.9850 per share, and 2 of the 6 models we run sit above the $0.5574 price.

Bear case: the Asset-Based group reads lowest at $0.1900, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: $0.2300 (bear) to $0.3000 (bull), the price of $0.5574 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 47/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Health In Tech, Inc. Class A Common Stock reported revenue of $33.3M in FY2025 versus $5.8M in FY2022, a compound +79.4%/yr. Reported net income was $1.3M in FY2025, compounding +152.2%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap $42.4M Micro · P/S ratio 1.29 · EPS (TTM) $−0.0700 · Net margin −12.0% · Return on equity −21.9% · Return on assets (EBIT) 10.8% (4-year average) · Operating margin −42.7% · Revenue (TTM) $32.8M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (low confidence).

What moves the price

The share trades about 81% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −52%, HIT screens richer than that median.

Fair Value models

Bear $0.2300 Fair Value $0.2700 Bull $0.3000
Price $0.5574 · Downside -51.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $0.2600 $0.2700 $0.3000 66
P/E Multiple $0.2300 $0.3100 $0.3900 63
Graham-Dodd $0.1600 $1.13 $1.59 59
All 6 models by family
Earnings-Based
Graham-Dodd $0.1600 $1.13 $1.59 59
Lynch FV $0.5800 $0.8400 $1.09 57
Multiples
P/E Multiple $0.2300 $0.3100 $0.3900 63
P/B Multiple $0.2100 $0.2800 $0.3500 55
Asset-Based
NCAV (Graham) $0.1300 $0.1900 $0.2400 52
Economic Profit
Residual Income $0.2600 $0.2700 $0.3000 66

Open the full fair value analysis →

Quality Score breakdown

Overall quality 47/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 61
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 39
Do the profits arrive as real cash?
Financial strength 80
Debt, balance sheet and risk of trouble
Investment 53
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 15
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $40,646 and none bought.

  • SaleZain Syed HasanChief Growth Officer3× since Sep 11, 2026: 16,667 shares, avg. $0.8230$13,717Nov 3, 202610b5-1 plan
  • SaleTimothy HayesDirector2× since Sep 9, 2026: 29,730 shares, avg. $0.9058$26,929Sep 14, 2026

Plus 25 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+71.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+79.4%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
≈ −2.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.2%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.4% → 5%
⚠ Approximate: the rate leans on 2025, which sits 77% above its own trend.

HIT screens overvalued: fair value 52% below the price. Compare with SAP SE →

Compare Health In Tech, Inc. Class A Common Stock with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 47 · Below median
Fair Value upside −51.6% · Below median
Profitability
Return on assets 5.5% · Above median
Net margin (12 months) −12.0% · Bottom 25%
Operating margin (12 months) −42.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −13.5% · Bottom 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 2.48× · Pricier than median
P/S (12 months) 1.29× · Cheaper than median
EV/EBITDA 14.3× · Cheaper than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Adobe Inc ADBE $239.30 $463.72 +94% vs HIT
Salesforce, Inc CRM $213.65 $342.73 +60% vs HIT
Uber Technologies, Inc UBER $68.59 $101.28 +48% vs HIT
Intuit Inc INTU $341.50 $459.14 +34% vs HIT
ServiceNow, Inc NOW $101.97 $112.17 +10% vs HIT
SAP SE SAP €210.75 €173.59 −18% vs HIT
Cadence Design Systems, Inc CDNS $319.92 $225.48 −30% vs HIT
Automatic Data Processing, Inc ADP $303.35 $150.40 −50% vs HIT
Shopify Inc SHOP $148.91 $64.96 −56% vs HIT
Snowflake Inc SNOW $275.88 $73.81 −73% vs HIT

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Health In Tech, Inc. Class A Common Stock: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Health In Tech, Inc. Class A Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/HIT

Frequently asked questions

Is Health In Tech, Inc. Class A (HIT) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $0.2700 versus a price of $0.5574, about 52% lower (overvalued).
What is the fair value of HIT?
Our model-based fair value for Health In Tech, Inc. Class A is $0.2700 (as of Nov 9, 2026), built from audited fundamentals. The current price: $0.5574.
What is the quality score of HIT?
Health In Tech, Inc. Class A has a Quality Score of 47/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Health In Tech, Inc. Class A (HIT)?
Our model-based price target is the fair value of $0.2700 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $0.2300, optimistic scenario $0.3000. It is a calculation from audited fundamentals, not an analyst target.
What is the Health In Tech, Inc. Class A Common Stock stock forecast for 2026?
Our models put fair value at $0.2700, about 52% lower versus a price of $0.5574 (overvalued). Cautious scenario $0.2300, optimistic scenario $0.3000. The calculation is refreshed regularly with new filings.
What is the revenue of Health In Tech, Inc. Class A (HIT)?
Health In Tech, Inc. Class A reported trailing-twelve-month revenue of about $32.8M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of Health In Tech, Inc. Class A (HIT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Health In Tech, Inc. Class A it is $0.2700 per share (as of Nov 9, 2026), against a price of $0.5574. It is the blended result of 6 valuation models in 4 families (Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is Health In Tech, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Nov 9, 2026, HIT trades above its calculated fair value: price $0.5574, fair value $0.2700, a gap of about −52% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HIT?
No. The price is what the market pays today ($0.5574); the fair value is what the company's own numbers justify ($0.2700). For Health In Tech, Inc. Class A the two are $0.2874 per share apart. That gap is exactly why we show both numbers side by side.
How much is Health In Tech, Inc. Class A Common Stock worth?
The market values Health In Tech, Inc. Class A at about $42.4M (market capitalisation, as of Nov 9, 2026). Per share that is $0.5574; our models calculate a fair value of $0.2700 per share.
What do the bullish and bearish scenarios say about HIT?
Our models span a range for Health In Tech, Inc. Class A: cautious scenario $0.2300, base $0.2700, optimistic $0.3000 per share (as of Nov 9, 2026, price $0.5574). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Health In Tech, Inc. Class A (HIT)?
Balance-sheet figures for Health In Tech, Inc. Class A (as of Nov 9, 2026): return on equity −21.9%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is HIT from its 52-week high?
Health In Tech, Inc. Class A trades at $0.5574, about 81% below its 52-week high of $2.92 and 4% above the low of $0.5359 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2700 is for.
Which stocks are comparable to Health In Tech, Inc. Class A Common Stock?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Health In Tech, Inc. Class A Common Stock stock attractive at the current price?
The data as of Nov 9, 2026: price $0.5574, calculated fair value $0.2700 (−52%), Quality Score 47/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HIT calculated?
We run Health In Tech, Inc. Class A through 6 models from 4 families: Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $0.2700 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Health In Tech, Inc. Class A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Health In Tech, Inc. Class A (HIT)?
The closing price on Nov 6, 2026 was $0.5574. Our model-based fair value is $0.2700, about 52% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Health In Tech, Inc. Class A Common Stock right now?
The price sits above even our optimistic bull case ($0.3000). The favourable scenario is already priced in. Weak quality (47/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of Health In Tech, Inc. Class A

How large is the market capitalisation of Health In Tech, Inc. Class A (HIT)?
The market capitalisation of Health In Tech, Inc. Class A is $42.4M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Health In Tech, Inc. Class A (HIT)?
The price-to-sales ratio of Health In Tech, Inc. Class A is 1.29 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Health In Tech, Inc. Class A (HIT)?
Earnings per share at Health In Tech, Inc. Class A are $−0.0700. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Health In Tech, Inc. Class A (HIT)?
The net margin of Health In Tech, Inc. Class A is −12.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Health In Tech, Inc. Class A (HIT)?
The return on equity (ROE) of Health In Tech, Inc. Class A is −21.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Health In Tech, Inc. Class A (HIT)?
On an EBIT basis the return on assets of Health In Tech, Inc. Class A is 10.8% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Health In Tech, Inc. Class A (HIT)?
The operating margin of Health In Tech, Inc. Class A is −42.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Health In Tech, Inc. Class A (HIT)?
Revenue at Health In Tech, Inc. Class A is growing −13.5% versus a year earlier (3y avg +79.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Health In Tech, Inc. Class A (HIT)?
Earnings per share at Health In Tech, Inc. Class A are growing +10.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Health In Tech, Inc. Class A (HIT) generate?
The free cash flow of Health In Tech, Inc. Class A is −$56.1K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Health In Tech, Inc. Class A (HIT) hold?
Health In Tech, Inc. Class A holds more cash than debt, $7.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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