SELECTQUOTE INC (SLQT) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SLQT • US8163073005
1.42 USD
-0.02 (-1.39%)
At close: Jan 30, 2026
1.45 USD
+0.03 (+2.11%)
After Hours: 1/30/2026, 8:19:06 PM
Taking everything into account, SLQT scores 3 out of 10 in our fundamental rating. SLQT was compared to 148 industry peers in the Insurance industry. The financial health of SLQT is average, but there are quite some concerns on its profitability. SLQT is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SLQT was profitable.
- In the past year SLQT has reported a negative cash flow from operations.
- In multiple years SLQT reported negative net income over the last 5 years.
- SLQT had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of SLQT (1.79%) is comparable to the rest of the industry.
- SLQT has a Return On Equity of 3.96%. This is in the lower half of the industry: SLQT underperforms 76.35% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.17%, SLQT is in line with its industry, outperforming 59.46% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for SLQT is significantly below the industry average of 14.94%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.79% | ||
| ROE | 3.96% | ||
| ROIC | 3.17% |
ROA(3y)-1.88%
ROA(5y)-3.99%
ROE(3y)-7.76%
ROE(5y)-16.12%
ROIC(3y)3.69%
ROIC(5y)N/A
1.3 Margins
- SLQT's Profit Margin of 1.38% is on the low side compared to the rest of the industry. SLQT is outperformed by 80.41% of its industry peers.
- SLQT has a Operating Margin of 2.54%. This is amonst the worse of the industry: SLQT underperforms 83.78% of its industry peers.
- In the last couple of years the Operating Margin of SLQT has declined.
- SLQT has a Gross Margin of 35.89%. This is amongst the best in the industry. SLQT outperforms 91.22% of its industry peers.
- In the last couple of years the Gross Margin of SLQT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.54% | ||
| PM (TTM) | 1.38% | ||
| GM | 35.89% |
OM growth 3YN/A
OM growth 5Y-28.84%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.15%
GM growth 5Y-10.75%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SLQT is destroying value.
- The number of shares outstanding for SLQT has been increased compared to 1 year ago.
- The number of shares outstanding for SLQT has been increased compared to 5 years ago.
- SLQT has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.46, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
- SLQT has a Altman-Z score of 1.46. This is amongst the best in the industry. SLQT outperforms 84.46% of its industry peers.
- A Debt/Equity ratio of 0.59 indicates that SLQT is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.59, SLQT is not doing good in the industry: 76.35% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.46 |
ROIC/WACC0.32
WACC9.93%
2.3 Liquidity
- SLQT has a Current Ratio of 1.54. This is a normal value and indicates that SLQT is financially healthy and should not expect problems in meeting its short term obligations.
- SLQT's Current ratio of 1.54 is amongst the best of the industry. SLQT outperforms 87.84% of its industry peers.
- SLQT has a Quick Ratio of 1.54. This is a normal value and indicates that SLQT is financially healthy and should not expect problems in meeting its short term obligations.
- SLQT's Quick ratio of 1.54 is amongst the best of the industry. SLQT outperforms 87.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 150.00% over the past year.
- The Revenue has grown by 13.16% in the past year. This is quite good.
- The Revenue has been growing by 23.60% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)13.16%
Revenue growth 3Y25.95%
Revenue growth 5Y23.6%
Sales Q2Q%12.51%
3.2 Future
- The Earnings Per Share is expected to decrease by -75.87% on average over the next years. This is quite bad
- SLQT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.60% yearly.
EPS Next Y-124.28%
EPS Next 2Y-75.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.58%
Revenue Next 2Y9.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.14, the valuation of SLQT can be described as reasonable.
- Based on the Price/Earnings ratio, SLQT is valued a bit cheaper than the industry average as 61.49% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 28.30. SLQT is valued rather cheaply when compared to this.
- SLQT is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SLQT.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.73 |
4.3 Compensation for Growth
- A cheap valuation may be justified as SLQT's earnings are expected to decrease with -75.87% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-75.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for SLQT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
SELECTQUOTE INC / SLQT FAQ
Can you provide the ChartMill fundamental rating for SELECTQUOTE INC?
ChartMill assigns a fundamental rating of 3 / 10 to SLQT.
What is the valuation status of SELECTQUOTE INC (SLQT) stock?
ChartMill assigns a valuation rating of 2 / 10 to SELECTQUOTE INC (SLQT). This can be considered as Overvalued.
Can you provide the profitability details for SELECTQUOTE INC?
SELECTQUOTE INC (SLQT) has a profitability rating of 2 / 10.
What is the financial health of SELECTQUOTE INC (SLQT) stock?
The financial health rating of SELECTQUOTE INC (SLQT) is 4 / 10.
Can you provide the expected EPS growth for SLQT stock?
The Earnings per Share (EPS) of SELECTQUOTE INC (SLQT) is expected to decline by -124.28% in the next year.