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

As of Sep 24, 2026: fair value of Health In Tech, Inc. Class A $0.24, price $0.85, upside -71.9%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Technology · US · ISIN US42217D1028

HI Health In Tech, Inc. Class A logo Thin data Sep 23, 2026

Health In Tech, Inc. Class A

HIT · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.2400 · Strongly overvalued (−72%)
!Quality 50/100
!Expensive Growth (revenue 3y +79.4 %/yr)
!Loss over the last twelve months · -2.4% net margin (TTM) · fiscal year 2025 3.8%
!negative free cash flow
!Trails peers (2/10)
!Narrow moat 13/100
!Evidence only low, so the estimate is less certain
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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

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Price vs Fair Value

$7.46 $0.5551 Fair Value $0.2400 Dec 2024 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

21‑month range $0.5551 – $7.46 · fair‑value band $0.2300 – $0.2400 · the $0.8537 price screens above the $0.2400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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Health In Tech, Inc. operates as an insurance technology platform company in the United States. 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 Common Stock (HIT) currently trades at $0.8537, while our model-based Fair Value estimate is $0.2400, implying the stock looks roughly 255.7% overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $0.8300 per share, and 1 of the 6 models we run sit above the $0.8537 price.

Bear case: the Asset-Based group reads lowest at $0.2100, and 5 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.2300 (bear) to $0.2400 (bull), the price of $0.8537 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 50/100 (solid 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 $70.8M · P/S ratio 2.08 · EPS (TTM) $−0.0200 · Net margin 3.8% · Return on equity −4.5% · Return on assets (EBIT) 10.8% · Operating margin −24.6% · Revenue (TTM) $34.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 77% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at −72%, HIT screens richer than that median.

Fair Value models

Bear $0.2300 Fair Value $0.2400 Bull $0.2400
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $0.2300 $0.2400 $0.2300 66
P/E Multiple $0.2300 $0.3100 $0.3900 63
Graham-Dodd $0.1600 $1.13 $1.58 59
All 6 models by family
Earnings-Based
Graham-Dodd $0.1600 $1.13 $1.58 59
Lynch FV $0.5800 $0.8300 $1.08 57
Multiples
P/E Multiple $0.2300 $0.3100 $0.3900 63
P/B Multiple $0.3000 $0.4000 $0.5000 55
Asset-Based
NCAV (Graham) $0.1600 $0.2100 $0.3200 51
Economic Profit
Residual Income $0.2300 $0.2400 $0.2300 66

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Quality Score breakdown

Overall quality 50/100

Of which business quality 55 · Market factors (momentum, volatility) 5

Profitability 61
Margins and returns on capital today
Quality Growth 58
Are margins and returns improving?
Cashflow 39
Earnings quality: real cash, not paper profit
Fin. Strength 80
Balance sheet, leverage, solvency risk
Investment 53
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 12
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 32
Share count: buybacks or dilution?

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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 256% overvalued. Compare with SAP SE →

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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 · 721 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −73% · Bottom 25%
Profitability
Return on assets −3% · Below median
Net margin (TTM) −2% · Below median
Operating margin (TTM) −25% · Bottom 25%
Growth and dividend
Revenue growth 9% · Above median

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 4.14× · Pricier than median
P/S (TTM) 2.08× · Cheaper than median
EV/EBITDA 26.0× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 25
FUTURE (revenue growth)47 · sector 38
PAST (return on equity)0 · sector 16
HEALTH (low debt)0 · sector 97
DIVIDEND (yield)0 · sector 30

VALUE 0: the price sits above our fair-value range.

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
SAP SE SAP €184.18 €172.46 −6%
Salesforce, Inc CRM $238.22 $342.73 +44%
Shopify Inc SHOP $145.16 $64.36 −56%
ServiceNow, Inc NOW $137.78 $151.56 +10%
Uber Technologies, Inc UBER $69.22 $103.69 +50%
Cadence Design Systems, Inc CDNS $309.09 $225.14 −27%
Snowflake Inc SNOW $334.81 $75.08 −78%
Datadog, Inc DDOG $251.49 $32.92 −87%
Adobe Inc ADBE $238.25 $454.04 +91%
Automatic Data Processing, Inc ADP $263.68 $177.51 −33%

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Health In Tech, Inc. Class A Common Stock · Fair Value
$0.2400 −256%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $0.2400 versus a price of $0.8537, about −72% upside (overvalued).
What is the fair value of HIT?
Our model-based fair value for Health In Tech, Inc. Class A Common Stock is $0.2400 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.8537.
What is the quality score of HIT?
Health In Tech, Inc. Class A Common Stock has a Quality Score of 50/100. 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 $0.2400 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $0.2300, optimistic scenario $0.2400. 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 $0.2400, about −72% upside versus a price of $0.8537 (overvalued). Cautious scenario $0.2300, optimistic scenario $0.2400. 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 Common Stock reported trailing-twelve-month revenue of about $34.1M (latest available figure, as of Sep 23, 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 Common Stock it is $0.2400 per share (as of Sep 23, 2026), against a price of $0.8537. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Health In Tech, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Sep 23, 2026, HIT trades above its calculated fair value: price $0.8537, fair value $0.2400, a gap of about −72% (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 ($0.8537); the fair value is what the company's own numbers justify ($0.2400). For Health In Tech, Inc. Class A Common Stock the two are $0.6137 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 Common Stock at about $70.8M (market capitalisation, as of Sep 23, 2026). Per share that is $0.8537; our models calculate a fair value of $0.2400 per share.
What do the bullish and bearish scenarios say about HIT?
Our models span a range for Health In Tech, Inc. Class A Common Stock: cautious scenario $0.2300, base $0.2400, optimistic $0.2400 per share (as of Sep 23, 2026, price $0.8537). 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 Common Stock (as of Sep 23, 2026): return on equity −4.5%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is HIT from its 52-week high?
Health In Tech, Inc. Class A Common Stock trades at $0.8537, about 77% below its 52-week high of $3.77 and 5% above the low of $0.8100 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2400 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 Sep 23, 2026: price $0.8537, calculated fair value $0.2400 (−72%), Quality Score 50/100, 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 Common Stock through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.2400, 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 14.0 % above its aggregate fair value. Health In Tech, Inc. Class A Common Stock 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 Sep 24, 2026 was $0.8537. Our model-based fair value is $0.2400, about −72% upside (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 ($0.2400). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band ($0.2300 to $0.2400), unusually little disagreement for a valuation.

Key figures of Health In Tech, Inc. Class A Common Stock

How large is the market capitalisation of Health In Tech, Inc. Class A (HIT)?
The market capitalisation of Health In Tech, Inc. Class A Common Stock is $70.8M. 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 Common Stock is 2.08 (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 Common Stock are $−0.0200. 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 Common Stock is 3.8% (fiscal year 2025). 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 Common Stock is −4.5% (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 Common Stock 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 Common Stock is −24.6% (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 Common Stock is growing +9.4% 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 Common Stock 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 Common Stock 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 Common Stock 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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