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Health In Tech Inc. (Class A) (HIT) Options Positioning, Max Pain & Unusual Sweeps

$0.58 +1.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.58

Health In Tech Inc. (Class A) (HIT) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $37.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HIT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Health In Tech Inc. (Class A) (NASDAQ: HIT) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $0.58 (+1.30% 1D, market cap $37.7M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, HIT ranks #517 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HIT compare to HUIZ and SLQT in the Financials sector?
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Within the Financials sector (Specialty Insurers), HIT carries a Roarable D+ (56/100 RQD), trailing P/E of 31.2x, gross margin of —, and ROIC of 7.5%. By comparison, HUIZ (Huize Holding Limited) holds a B- grade (70/100 RQD, P/E 39.0x, ROIC 3.1%, cap $22.7M) and SLQT (SelectQuote Inc.) posts a D- grade (39/100 RQD, P/E N/A, ROIC 7.4%, cap $64.0M). Among the 5-stock peer group, HIT leads on earnings multiple (31.2x) while EHTH leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HIT?
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Per HIT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002019505), Health In Tech Inc. (Class A) generated $33.3M in revenue (+71.0% YoY), $1.3M in net income, and $3.1M in free cash flow against $23.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.58 (+0.04%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 9.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510056
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk D
Cash (15)Whales (6)SEC (12)Macro (8)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE-1.7% Base Target
$3 Bull$1 Base$0 Bear
📬 FREE HIT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HIT)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (56/100 Composite)
🔍 WHY HIT SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 9.4% FCF Margin ($3.1M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
64
Grade C+$0.68-17.6% Next Q
Q2 (-2Q)
61
Grade C$0.56+1.8% Next Q
Q3 (-1Q)
59
Grade C$0.57+1.8% Next Q
Current
56
Grade D+$0.58-0.4% Hist 90D α
Trajectory: C+ (64) → D+ (56)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HIT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 56/100 (D+) score, HIT faces multiple-compression risk if 31.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($0.79) or 200D SMA ($1.14) invalidates the momentum regime and cuts Target Base ($0.57) toward Bear Floor ($0.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HIT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HIT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 56%NO 44%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±12.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HIT)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HIT.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HIT)

  • ✓Walkthrough of HIT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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HIT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -61.84%▼ DESCENDING CHANNEL
2026-11-03O $0.61H $0.61L $0.58C $0.58VOL 25.1K
RES: $0.77SUP: $0.42SMA50: $0.79SMA200: $1.14
$2.13$1.69$1.24$0.80$0.36RES $0.77SUP $0.42$0.582026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HIT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HIT Butterfly Map → + Track HIT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
24.1%/yr Implied 5Y Growth

vs. +71.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HIT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HIT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HIT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HIT)

Financials Rank #517 of 1097 ⚔️ HUIZ vs HIT Full Matrix →

1. Head-to-Head Financials Peer Comparison (HIT vs. HUIZ, SLQT, CCG, EHTH)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Health In Tech Inc. (Class A) (HIT) ranks #517 by composite RQD confidence (56/100, grade D+) and #1027 by equity capitalization ($37.7M). Within this direct 5-issuer industry benchmark cohort, HIT leads on earnings valuation at 31.2x trailing P/E, while EHTH leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. HUIZ currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with HIT at 56/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HIT ACTIVE
Health In Tech Inc. (Class A)
D+ 56/100 31.2x — 7.5% +1.30% $37.7M Benchmark Subject
HUIZ
Huize Holding Limited
B- 70/100 39.0x — 3.1% -3.11% $22.7M /huiz-vs-hit →
SLQT
SelectQuote Inc.
D- 39/100 — — 7.4% +12.61% $64.0M /slqt-vs-hit →
CCG
Cheche Group Inc. (Class A)
D+ 55/100 — — — +0.28% $17.9M /ccg-vs-hit →
EHTH
eHealth Inc.
D- 41/100 — — 8.3% +2.60% $15.8M /ehth-vs-hit →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002019505 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Health In Tech Inc. (Class A) (HIT) reported GAAP revenue of $33.3M (+71.0% vs. FY2024 revenue of $19.5M , and +74.0% cumulative change since FY2023) , GAAP net income of $1.3M, operating cash flow of $3.1M, and free cash flow of $3.1M (+44.0% YoY). On the balance sheet, HIT closed FY2025 with $23.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $33.3M $1.3M $3.1M $3.1M $23.1M —
FY2024 (FY) 2024-12-31 $19.5M $670.5K $2.2M $2.2M $15.8M —
FY2023 (FY) 2023-12-31 $19.2M $0 $1.5M $1.5M — —

3. HIT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HIT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Health In Tech Inc. (Class A) (NASDAQ: HIT) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $0.58 (+1.30% 1D, market cap $37.7M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, HIT ranks #517 in composite RQD confidence.

How does HIT compare to HUIZ and SLQT in the Financials sector?

Within the Financials sector (Specialty Insurers), HIT carries a Roarable D+ (56/100 RQD), trailing P/E of 31.2x, gross margin of —, and ROIC of 7.5%. By comparison, HUIZ (Huize Holding Limited) holds a B- grade (70/100 RQD, P/E 39.0x, ROIC 3.1%, cap $22.7M) and SLQT (SelectQuote Inc.) posts a D- grade (39/100 RQD, P/E N/A, ROIC 7.4%, cap $64.0M). Among the 5-stock peer group, HIT leads on earnings multiple (31.2x) while EHTH leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HIT?

Per HIT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002019505), Health In Tech Inc. (Class A) generated $33.3M in revenue (+71.0% YoY), $1.3M in net income, and $3.1M in free cash flow against $23.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HIT trading relative to its 50-day, 200-day, and 52-week technical levels?

HIT last traded at $0.58 (+1.30% on volume of 70,120 shares), positioning the stock -26.58% below its 50-day simple moving average ($0.79) and -49.12% below its 200-day simple moving average ($1.14). Across its 52-week range of $0.50 to $3.11, HIT sits at the 3.1% percentile with a 14-day RSI of 38.7 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.65).

Direct Sub-Reports: HIT RQD Cockpit HIT 12M Forecast HIT Earnings & Move HIT Dividends & DRIP HIT Insiders & 13F HIT Whale Options HIT Profit Sankey HIT News & Why
ROARABLE RATING BRIEF • RQD 56/100 (D+) ✓ SEC XBRL & RQD VERIFIED

HIT — Health In Tech Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Health In Tech Inc. (Class A) (HIT) earns a live Roarable RQD composite score of 56/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $0.58 (+1.30% 1D, market capitalization $37.7M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 7.5%, gross margin of —, operating margin of —, and free cash flow yield of 7.85%.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (12/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Health In Tech Inc. (Class A) is a NASDAQ-listed issuer classified under the Financials sector and the Specialty Insurers industry..0B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Health In Tech Inc. (Class A) (HIT) reported $33.3M in annual revenue (up from $19.5M in FY2024, +71.0% YoY) and $1.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($19.2M revenue, $0 net income) through FY2025, HIT scaled operating cash flow to $3.1M and free cash flow to $3.1M, backed by $23.1M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 56/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $0.50 – $3.11 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 31.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Specialty Insurers (Financials), HIT carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can HIT sustain or expand its — operating margin and 7.5% ROIC against Specialty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $33.3M and free cash flow of $3.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HIT's 26.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HIT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Health In Tech Inc. (Class A) (HIT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HIT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HIT Bull vs. Bear Conversation Board — What's Your Call at $0.58?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HIT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HIT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $0.70 (+20.7%)
📌 Pinned Debate

Revenue grew from $19.2M in FY 2023 to $33.3M in FY 2025 while FCF rose to $3.1M, supporting a 7.85% FCF yield.

Revenue grew from $19.2M in FY 2023 to $33.3M in FY 2025 while FCF rose to $3.1M, supporting a 7.85% FCF yield.. When you look under the hood at HIT, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 7.5% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (6/20) has been quietly accumulating below $3.11. My 12M target is $0.70.

VolSurface_Trader 🐂 BULL

Both sides have a point here — HIT's 12/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $0.48 (-17.2%)
Spot @ $0.58

The RQD verdict is a Roarable Sell with a score of 56, weighed down by weak institutional flow and a Beta of 1.0 macro fit.

Here is the bear case nobody on the bull side wants to address on HIT: The RQD verdict is a Roarable Sell with a score of 56, weighed down by weak institutional flow and a Beta of 1.0 macro fit.. At 31.2x trailing P/E, even a small guidance miss in Specialty Insurers triggers a 12-15% air pocket.

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