Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical passes the values gate
Price0.87 USD
Fair value0.43
Ethical score97.1/100
RatingOPPORTUNITY
Our investment reviews on this name
2026-09-01Read Markdown1.03-15.5% to today ✓
2026-08-01Read Distribution1.13-23.0% to today ✓
2026-07-02Read Markdown0.99-11.9% to today ✓
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Health In Tech, Inc. holds its Markdown at $0.87. The statistical read favours the buyers, held for 34 days.
As held on the ledger · 2026-09-18
Phase
Markdown · caution
Quantitative state
The statistical read favours the buyers, held for 34 days
Price at the screen
$0.87
Valuation
N/A trailing · 24.50 forward price to earnings
Values screen
PASS· score 97.1
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
0.14%
Below 33%
Interest-bearing debt is just 0.1% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
7.60%
Below 33%
Cash held in interest-bearing accounts and securities is 7.6% of assets, under the one-third limit.
Pass
Receivables
0.00%
Below 49%
Money owed to the company is 0.0% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads OPPORTUNITY: it trades above our $0.43 fair value estimate, weak competitive moat.
Fair value range in USD, drawn from the 2026-09-18 screen. The gold marker is the market price at the same screen. The price runs 50.0% above the base estimate.
Third-party analyst targets: 3 covering, consensus Strong Buy. The average target sits +360% from the screen price.
Reading the gap · Our more conservative model reads it as fully-to-richly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-18 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Tech platform targets small business health cover
Picture a corner shop owner trying to offer staff decent cover without the usual insurer markups. Health In Tech steps in with reference pricing and captive programs that cut costs for firms too small for traditional brokers. The shares sit at 1.13 dollars against our 1.71 dollar fair value, a 52 percent margin of safety on a 7.9 times forward earnings multiple while revenue edges up 9 percent a year.
That valuation gap looks attractive next to the losses, yet the business still clears our ethical screen and shows real utility for overlooked employers. Three analysts see upside to a 4 dollar median target, and the platform model keeps fixed costs low once volumes rise.
Weak competitive protection and current negative margins of 2 percent plus a 5 percent negative return on equity leave plenty of room for execution slips or new entrants. Currency or reimbursement shifts could widen those gaps further before profits appear.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
HIT trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-01Markdown · changed$1.03-8.8%Entry 5
The framework has shifted from distribution to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 8.8% since our last review. Ethical screening: PASS with near-perfect ethical score. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it strong buy, with a mean price target of $4.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 14.5% since our last review. Ethical screening: PASS with near-perfect ethical score. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it strong buy, with a mean price target of $4.
2026-07-18Markdown$0.99+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with near-perfect ethical score. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C. Technically it is sitting below its long-term trend line with momentum reading oversold. Over the past year the shares are up 85%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it strong buy, with a mean price target of $4.
2026-07-03Markdown$0.99+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: PASS with near-perfect ethical score (97). The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markdown$0.99Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: PASS with near-perfect ethical score (97). The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.