SELECTQUOTE INC (SLQT)

US8163073005 - Common Stock

1.66  -0.01 (-0.6%)

After market: 1.66 0 (0%)

Fundamental Rating

3

Overall SLQT gets a fundamental rating of 3 out of 10. We evaluated SLQT against 141 industry peers in the Insurance industry. The financial health of SLQT is average, but there are quite some concerns on its profitability. SLQT is valued quite expensively, but it does show have an excellent growth rating.



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2

1. Profitability

1.1 Basic Checks

SLQT had negative earnings in the past year.
SLQT had a positive operating cash flow in the past year.
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

SLQT has a worse Return On Assets (-4.06%) than 88.49% of its industry peers.
SLQT has a Return On Equity of -14.92%. This is amonst the worse of the industry: SLQT underperforms 81.30% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.32%, SLQT is in the better half of the industry, outperforming 60.43% of the companies in the same industry.
Industry RankSector Rank
ROA -4.06%
ROE -14.92%
ROIC 2.32%
ROA(3y)-6.36%
ROA(5y)-1.2%
ROE(3y)-24.73%
ROE(5y)-10.94%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

SLQT has a Operating Margin of 2.66%. This is in the lower half of the industry: SLQT underperforms 68.35% of its industry peers.
SLQT's Operating Margin has declined in the last couple of years.
The Gross Margin of SLQT (45.96%) is better than 94.96% of its industry peers.
In the last couple of years the Gross Margin of SLQT has declined.
Industry RankSector Rank
OM 2.66%
PM (TTM) N/A
GM 45.96%
OM growth 3Y-63.91%
OM growth 5Y-43.27%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-11.49%
GM growth 5Y-5.92%

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4

2. Health

2.1 Basic Checks

SLQT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for SLQT has been increased compared to 1 year ago.
SLQT has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SLQT has a worse debt to assets ratio.

2.2 Solvency

SLQT has an Altman-Z score of 1.13. This is a bad value and indicates that SLQT is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of SLQT (1.13) is better than 84.17% of its industry peers.
A Debt/Equity ratio of 1.93 is on the high side and indicates that SLQT has dependencies on debt financing.
SLQT's Debt to Equity ratio of 1.93 is on the low side compared to the rest of the industry. SLQT is outperformed by 92.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.93
Debt/FCF N/A
Altman-Z 1.13
ROIC/WACC0.27
WACC8.52%

2.3 Liquidity

SLQT has a Current Ratio of 2.11. This indicates that SLQT is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.11, SLQT belongs to the best of the industry, outperforming 91.37% of the companies in the same industry.
SLQT has a Quick Ratio of 2.11. This indicates that SLQT is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.11, SLQT belongs to the top of the industry, outperforming 91.37% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.11
Quick Ratio 2.11

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7

3. Growth

3.1 Past

SLQT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.00%, which is quite impressive.
The Revenue has grown by 29.91% in the past year. This is a very strong growth!
Measured over the past years, SLQT shows a very strong growth in Revenue. The Revenue has been growing by 33.82% on average per year.
EPS 1Y (TTM)38%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-21.43%
Revenue 1Y (TTM)29.91%
Revenue growth 3Y23.74%
Revenue growth 5Y33.82%
Revenue growth Q2Q27.02%

3.2 Future

SLQT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.98% yearly.
SLQT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.11% yearly.
EPS Next Y41.71%
EPS Next 2Y33.47%
EPS Next 3Y28.98%
EPS Next 5YN/A
Revenue Next Year31.01%
Revenue Next 2Y24%
Revenue Next 3Y20.11%
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.

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SLQT. In the last year negative earnings were reported.
Also next year SLQT is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as SLQT.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.03

4.3 Compensation for Growth

SLQT's earnings are expected to grow with 28.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.47%
EPS Next 3Y28.98%

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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 (4/23/2024, 7:25:36 PM)

After market: 1.66 0 (0%)

1.66

-0.01 (-0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap280.52M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.06%
ROE -14.92%
ROCE
ROIC
ROICexc
ROICexgc
OM 2.66%
PM (TTM) N/A
GM 45.96%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.94
Health
Industry RankSector Rank
Debt/Equity 1.93
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 2.11
Quick Ratio 2.11
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)38%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y41.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)29.91%
Revenue growth 3Y23.74%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y