कंपनी का अवलोकन
Health In Tech, Inc. operates as a specialized insurance technology platform company designed to deliver digital solutions for the healthcare sector. The entity functions within the broader Technology sector, specifically categorized under the Software - Application industry, which implies a focus on developing proprietary software solutions rather than physical goods. The company holds a market capitalization of $91.78M and reports trailing twelve-month revenue of $33.33M, though specific employee count data is not available in current filings. These valuation and revenue figures indicate that Health In Tech, Inc. occupies a niche position within the market, leveraging its technology platform to serve small businesses through offerings such as reference-based pricing, group insurance captives, community health plans, and association health programs. The web-based SaaS quoting system known as enhance do it yourself benefit system (eDIYBS) further supports its positioning as a provider of scalable, software-driven benefits management tools for its target demographic.
वित्तीय स्वास्थ्य
The company generated revenue of $33.33M over the trailing twelve months, resulting in a net income of $1.28M and an EBITDA of $2.43M. The significant gap between total revenue and net income reveals a cost structure where operating expenses consume a substantial portion of earnings before taxes, as evidenced by the operating margin of -2.3%. Despite the negative operating margin, the profit margin stands at 3.8%, indicating that non-operating items or other income sources contribute to the final bottom line. However, the free cash flow is negative at -$2,304,041, which suggests that capital expenditures or working capital requirements currently exceed operating cash generation, limiting immediate financial flexibility for discretionary spending. The balance sheet shows a cash position of $7.67M against total debt of $139,812, creating a net cash surplus that supports a conservative financial stance. This liquidity is reinforced by a debt-to-equity ratio of 0.82 and a current ratio of 3.13, which indicates strong short-term liquidity and the ability to meet obligations as they come due. Return on Equity is recorded at 8.4% while Return on Assets is 4.9%, metrics that reveal management's effectiveness in generating returns relative to shareholder equity and total asset base despite the recent operating losses.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 70.00, whereas the forward P/E is significantly lower at 7.57, implying that the market expects a substantial increase in future earnings relative to current levels. The price-to-book ratio stands at 4.71, indicating that the market values the company at a significant premium over its tangible book value, likely reflecting the intangible value of its software intellectual property. Alternative valuation metrics show a price-to-sales ratio of 2.75 and an EV/EBITDA of 31.46, suggesting that investors are pricing the company based on future growth potential rather than current profitability. The stock has traded between a 52-week low of $0.51 and a 52-week high of $4.02, with the current price trading significantly below the 52-week high relative to the recent volatility. A beta value is not available for this security, preventing a direct comparison of its price volatility against the broader market index.
Growth & Income
Revenue growth for the trailing twelve months is reported at 53.1%, while earnings growth is marked as N/A due to the lack of prior year comparative net income data. Since earnings growth cannot be calculated against a prior period in this context, the implication is that the company is prioritizing revenue expansion and market penetration over immediate profit scaling. As a non-dividend payer, the company maintains a dividend yield of N/A and a payout ratio of 0.0%, which means all available earnings are reinvested into growth initiatives, research, and development rather than distributed to shareholders. The overall growth and income profile characterizes Health In Tech, Inc. as a high-growth, non-dividend entity where capital allocation focuses entirely on scaling the insurance technology platform and capturing market share in the software application sector.