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ZYBERNO

Stock Report

Updated Aug 31, 2026

Health In Tech, Inc. (HIT)

NASDAQ

$0.96

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

38.0/100

WEAK BUSINESS

Health In Tech, Inc. (HIT) scores 38/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full HIT quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full HIT valuation analysis · → View full HIT Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-14.9%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.26x)

Operating Margin (Operational Efficiency):CRITICAL (-11.3%)

Return on Capital (Capital Efficiency):CRITICAL (-12.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Health In Tech, Inc. (HIT) stock report — Zyberno Score 38/100 (WEAK BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.96

Market Cap:$60.32M

Valuation Multiples (3)

P/B Ratio:3.07x

P/S Ratio:1.84x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$63.81M

Price Action & Momentum (3)

12-1 Momentum:

-47.8% (59th pctile)

📈 Click to view full HIT Momentum analysis →

Momentum Percentile:59 / 100

% of 52-Week High:23.9%

B. Profitability Assessment

Return Metrics (5)

ROE:

-14.9%

📊 Click to view full HIT ROE analysis →

ROA:-10.8%

Roic:

-12.1%

📊 Click to view full HIT ROIC analysis →

Reinvestment Rate:32.3%

Fundamental Growth Rate (g):-3.9%

Margin Analysis (3)

Operating Margin Ttm:-11.3%

Net Margin Ttm:-8.6%

Ebitda Margin:-7.8%

TTM Performance (3)

Gross Margin Ttm:53.9%

Operating Margin Ttm:-11.3%

Net Margin Ttm:-8.6%

Yield Metrics (2)

Earnings Yield:-$4.72

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-3.2%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):60.3%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-39.6%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):50.4%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:2.18x

Quick Ratio:2.18x

Cash Ratio:0.65x

Leverage Analysis (3)

Debt To Equity Ttm:0.26x

Debt-to-Equity Ratio:0.26x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:3.38x

Times Interest Earned:3.38

Capital Structure (4)

Working Capital:11,795,470.00

Cash And Cash Equivalents:6,514,813.00

Long Term Debt:$102.94K

Net Debt:$3.50M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $32.83M

Linear Growth: -3.2%

📊 Click to view full HIT Revenue analysis & methodology →

Cost Of Revenue Ttm:$15.12M

Profitability Breakdown (2)

Gross profit TTM: $17.70M

Linear Growth: -27.3%

📊 Click to view full HIT Gross Profit analysis & methodology →

Operating income TTM: -$3.72M

Linear Growth: 50.4%

📊 Click to view full HIT Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$2.82M

Linear Growth: 60.3%

📊 Click to view full HIT Net Income analysis & methodology →

Income Before Tax:-$3.72M

Ebitda Ttm:-2,547,191.00

Operating Expenses (5)

Operating Expenses:22,978,097.00

R And D Expense:3,436,601.00

Sga Expense:14,356,696.00

Income Tax Expense:-$894.63K

Interest Expense:495,000.00

Expense Ratios (3)

R And D To Revenue Percentage:42.7%

Sga To Revenue Percentage:178.2%

Ebitda Margin:-7.8%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$29.63M

Current Assets:$21.78M

Ppe Net:0.00

Goodwill:0.00

Intangible Assets:$0.00

Liability Structure (4)

Total Liabilities:10,010,308.00

Current Liabilities:9,988,595.00

Long Term Debt:$102.94K

Short Term Debt:$9.91M

Equity & Capital (3)

Equity:$19.62M

Retained Earnings:$1.12M

Common Stock:220,000,000.00

Working Capital Items (3)

Accounts Receivable:8,546,307.00

Inventory:0.00

Accounts Payable:9,907,370.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:366,562.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$712.79K

Linear Growth: -39.6%

$0.00

Investment Activities (1)

Investing Cash Flow:-$362.13K

Financing Activities (3)

Financing Cash Flow:$6.34M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:6,381,000.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:1,168,061.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.05

Eps diluted TTM: -$0.05

Linear Growth: 0.0%

📊 Click to view full HIT EPS analysis & methodology →

Earnings Per Share Ttm:-$0.04

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.52

Operating Cash Flow Per Share:$0.05

Book Value & Capital (2)

Book Value Per Share:$0.31

Cash Per Share:0.10

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.26x

Working Capital Turnover Ttm:2.78x

Receivables Management (2)

Receivables Turnover Ttm:3.84x

Days Sales Outstanding Ttm:95.03

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:239.12

Cash Conversion Cycle:-1,143.10

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:90.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:32.3%

Fundamental Growth Rate (g):-3.9%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):-3.2%

Net Income Growth Rate (Linear):60.3%

Operating Income Growth Rate (Linear):50.4%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-39.6%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):-27.3%

Book Value Growth Rate (Linear):32.3%

C. Company Profile & Context

Corporate Information (6)

Symbol:HIT

Company Name:Health In Tech, Inc.

Sector:Unknown

Industry:Insurance Agents, Brokers & Service

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:62.83M

Shares Outstanding Basic:62.83M

Shares Outstanding Diluted:62.83M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 23:04:50 UTC

Data Timestamp:2026-08-20T02:44:04.699668