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SELECTQUOTE INC (SLQT) Stock Fundamental Analysis

USA - NYSE:SLQT - US8163073005 - Common Stock

2.065 USD
+0 (+0.24%)
Last: 10/27/2025, 3:17:59 PM
Fundamental Rating

4

Taking everything into account, SLQT scores 4 out of 10 in our fundamental rating. SLQT was compared to 147 industry peers in the Insurance industry. SLQT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SLQT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years SLQT reported 4 times negative operating cash flow.
SLQT Yearly Net Income VS EBIT VS OCF VS FCFSLQT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M -200M -300M

1.2 Ratios

SLQT has a Return On Assets (2.00%) which is in line with its industry peers.
With a Return On Equity value of 4.35%, SLQT is not doing good in the industry: 76.19% of the companies in the same industry are doing better.
With an excellent Return On Invested Capital value of 5.22%, SLQT belongs to the best of the industry, outperforming 82.31% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SLQT is in line with the industry average of 4.46%.
The last Return On Invested Capital (5.22%) for SLQT is above the 3 year average (3.69%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 2%
ROE 4.35%
ROIC 5.22%
ROA(3y)-1.88%
ROA(5y)-3.99%
ROE(3y)-7.76%
ROE(5y)-16.12%
ROIC(3y)3.69%
ROIC(5y)N/A
SLQT Yearly ROA, ROE, ROICSLQT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60

1.3 Margins

Looking at the Profit Margin, with a value of 1.64%, SLQT is doing worse than 79.59% of the companies in the same industry.
SLQT has a worse Operating Margin (4.49%) than 77.55% of its industry peers.
SLQT's Operating Margin has declined in the last couple of years.
SLQT has a better Gross Margin (38.72%) than 92.52% of its industry peers.
SLQT's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 4.49%
PM (TTM) 1.64%
GM 38.72%
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%
SLQT Yearly Profit, Operating, Gross MarginsSLQT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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4

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.
The debt/assets ratio for SLQT has been reduced compared to a year ago.
SLQT Yearly Shares OutstandingSLQT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SLQT Yearly Total Debt VS Total AssetsSLQT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

2.2 Solvency

Based on the Altman-Z score of 1.60, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
SLQT's Altman-Z score of 1.60 is amongst the best of the industry. SLQT outperforms 86.39% of its industry peers.
A Debt/Equity ratio of 0.55 indicates that SLQT is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.55, SLQT is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z 1.6
ROIC/WACC0.56
WACC9.26%
SLQT Yearly LT Debt VS Equity VS FCFSLQT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

2.3 Liquidity

SLQT has a Current Ratio of 1.60. This is a normal value and indicates that SLQT is financially healthy and should not expect problems in meeting its short term obligations.
SLQT has a Current ratio of 1.60. This is amongst the best in the industry. SLQT outperforms 89.12% of its industry peers.
A Quick Ratio of 1.60 indicates that SLQT should not have too much problems paying its short term obligations.
SLQT's Quick ratio of 1.60 is amongst the best of the industry. SLQT outperforms 89.12% of its industry peers.
Industry RankSector Rank
Current Ratio 1.6
Quick Ratio 1.6
SLQT Yearly Current Assets VS Current LiabilitesSLQT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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6

3. Growth

3.1 Past

SLQT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 166.67%, which is quite impressive.
SLQT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.50%.
The Revenue has been growing by 23.60% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%138.89%
Revenue 1Y (TTM)15.5%
Revenue growth 3Y25.95%
Revenue growth 5Y23.6%
Sales Q2Q%12.33%

3.2 Future

SLQT is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -85.93% yearly.
Based on estimates for the next years, SLQT will show a quite strong growth in Revenue. The Revenue will grow by 11.03% on average per year.
EPS Next Y-131.57%
EPS Next 2Y-85.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.55%
Revenue Next 2Y11.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SLQT Yearly Revenue VS EstimatesSLQT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
SLQT Yearly EPS VS EstimatesSLQT Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 -1

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.75 indicates a correct valuation of SLQT.
Compared to the rest of the industry, the Price/Earnings ratio of SLQT is on the same level as its industry peers.
SLQT is valuated rather cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
The Forward Price/Earnings Ratio is negative for SLQT. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 14.75
Fwd PE N/A
SLQT Price Earnings VS Forward Price EarningsSLQT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, SLQT is valued a bit cheaper than 61.22% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.02
SLQT Per share dataSLQT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

A cheap valuation may be justified as SLQT's earnings are expected to decrease with -85.93% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-85.93%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

SLQT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SELECTQUOTE INC

NYSE:SLQT (10/27/2025, 3:17:59 PM)

2.065

+0 (+0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-21 2025-08-21/bmo
Earnings (Next)11-06 2025-11-06
Inst Owners44.91%
Inst Owner Change-0.07%
Ins Owners11.53%
Ins Owner Change7.75%
Market Cap363.19M
Revenue(TTM)1.53B
Net Income(TTM)25.03M
Analysts78
Price Target5.36 (159.56%)
Short Float %1.42%
Short Ratio1.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)81.75%
Min EPS beat(2)26.07%
Max EPS beat(2)137.43%
EPS beat(4)3
Avg EPS beat(4)82.49%
Min EPS beat(4)-37.78%
Max EPS beat(4)204.25%
EPS beat(8)5
Avg EPS beat(8)51.07%
EPS beat(12)8
Avg EPS beat(12)72.86%
EPS beat(16)10
Avg EPS beat(16)39.44%
Revenue beat(2)1
Avg Revenue beat(2)-0.14%
Min Revenue beat(2)-1.56%
Max Revenue beat(2)1.27%
Revenue beat(4)3
Avg Revenue beat(4)2.28%
Min Revenue beat(4)-1.56%
Max Revenue beat(4)5.51%
Revenue beat(8)7
Avg Revenue beat(8)5.73%
Revenue beat(12)11
Avg Revenue beat(12)7.73%
Revenue beat(16)13
Avg Revenue beat(16)0.5%
PT rev (1m)0%
PT rev (3m)-7.69%
EPS NQ rev (1m)-30.61%
EPS NQ rev (3m)-93.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-164.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.87%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.85%
Valuation
Industry RankSector Rank
PE 14.75
Fwd PE N/A
P/S 0.24
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.69
EV/EBITDA 8.02
EPS(TTM)0.14
EY6.78%
EPS(NY)-0.04
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.07
OCFYN/A
SpS8.68
BVpS3.27
TBVpS3.01
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.21
Profitability
Industry RankSector Rank
ROA 2%
ROE 4.35%
ROCE 6.61%
ROIC 5.22%
ROICexc 5.41%
ROICexgc 5.67%
OM 4.49%
PM (TTM) 1.64%
GM 38.72%
FCFM N/A
ROA(3y)-1.88%
ROA(5y)-3.99%
ROE(3y)-7.76%
ROE(5y)-16.12%
ROIC(3y)3.69%
ROIC(5y)N/A
ROICexc(3y)3.85%
ROICexc(5y)N/A
ROICexgc(3y)4.06%
ROICexgc(5y)N/A
ROCE(3y)4.67%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-20.33%
ROICexc growth 3YN/A
ROICexc growth 5Y-19.16%
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%
F-Score4
Asset Turnover1.22
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Debt/EBITDA 3.57
Cap/Depr 55.3%
Cap/Sales 0.74%
Interest Coverage 1.13
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.6
Quick Ratio 1.6
Altman-Z 1.6
F-Score4
WACC9.26%
ROIC/WACC0.56
Cap/Depr(3y)44.9%
Cap/Depr(5y)83.46%
Cap/Sales(3y)0.84%
Cap/Sales(5y)1.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%138.89%
EPS Next Y-131.57%
EPS Next 2Y-85.93%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.5%
Revenue growth 3Y25.95%
Revenue growth 5Y23.6%
Sales Q2Q%12.33%
Revenue Next Year12.55%
Revenue Next 2Y11.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.09%
EBIT growth 3YN/A
EBIT growth 5Y-12.05%
EBIT Next Year115.68%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-743.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-176.57%
OCF growth 3YN/A
OCF growth 5YN/A

SELECTQUOTE INC / SLQT FAQ

What is the fundamental rating for SLQT stock?

ChartMill assigns a fundamental rating of 4 / 10 to SLQT.


What is the valuation status for 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 3 / 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 dividend sustainability for SLQT stock?

The dividend rating of SELECTQUOTE INC (SLQT) is 0 / 10 and the dividend payout ratio is 0%.