Health In Tech Inc. Class A Common Stock (HIT)

FairStock Score: 30/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn consistent profits and generate cash. Health In Tech is an insurance technology platform for small businesses, but the numbers do not yet show that quality. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $8.1M and net income was -$2.5M, a loss. A year earlier, in fiscal Q2 2025, the quarter ended 2025-06-30, revenue was $9.6M and net income was $630,631. So sales fell and profits reversed. For FY2025, period ended 2025-12-31, revenue was $37.6M and net income $1.3M, up from FY2024 revenue $19.6M and net income $670,477, but well below FY2023 net income $4.0M despite higher revenue. That profit compression suggests weak pricing power or rising costs, not a durable moat. Financial health is mixed. Debt is tiny with D/E 0.01, and Altman Z-Score 2.97 is not alarming. But trailing free cash flow is -$7.6M, FCF yield -17.9%, Piotroski F-Score 2/9, ROE -21.91%, and FairStock Score 30/100. At the 2026-10-13 close of $0.68, P/B is 2.26 and P/E is negative. The stock is near its 52-week low of $0.63, but a cheap price on shrinking profits is not a margin of safety. The computed Lynch category is SLOW GROWER — Shrinking, with profit -43.2% a year over two years. Until losses reverse and cash flow turns positive, I see speculation, not investment.

In plain English: Health In Tech sells software and services that help small businesses with health insurance benefits. The business has grown revenue, but it has recently been losing money and burning cash, which makes it look weak rather than strong. At $0.68 a share, the price may seem low, but because profits and cash flow are negative, it is hard to call it clearly cheap based on the numbers.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer