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SELECTQUOTE INC (SLQT) Stock Fundamental Analysis

USA - NYSE:SLQT - US8163073005 - Common Stock

1.4 USD
-0.07 (-4.76%)
Last: 11/19/2025, 2:58:29 PM
Fundamental Rating

4

SLQT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While SLQT seems to be doing ok healthwise, there are quite some concerns on its profitability. SLQT is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SLQT had positive earnings in the past year.
In the past year SLQT has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: SLQT reported negative net income in multiple years.
SLQT had negative operating cash flow in 4 of the past 5 years.
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

With a Return On Assets value of 2.00%, SLQT perfoms like the industry average, outperforming 50.34% of the companies in the same industry.
SLQT has a worse Return On Equity (4.35%) than 76.19% of its industry peers.
SLQT has a better Return On Invested Capital (5.22%) than 82.31% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SLQT is in line with the industry average of 4.42%.
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

SLQT's Profit Margin of 1.64% is on the low side compared to the rest of the industry. SLQT is outperformed by 80.95% of its industry peers.
SLQT has a worse Operating Margin (4.49%) than 80.95% of its industry peers.
SLQT's Operating Margin has declined in the last couple of years.
SLQT's Gross Margin of 38.72% is amongst the best of the industry. SLQT outperforms 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.
Compared to 1 year ago, SLQT has more shares outstanding
SLQT has more shares outstanding than it did 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 1.51, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
SLQT has a better Altman-Z score (1.51) than 82.99% of its industry peers.
SLQT has a Debt/Equity ratio of 0.55. This is a neutral value indicating SLQT is somewhat dependend on debt financing.
SLQT's Debt to Equity ratio of 0.55 is on the low side compared to the rest of the industry. SLQT is outperformed by 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF N/A
Altman-Z 1.51
ROIC/WACC0.55
WACC9.5%
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

A Current Ratio of 1.60 indicates that SLQT should not have too much problems paying 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.
With an excellent Quick ratio value of 1.60, SLQT belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
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

The Earnings Per Share has grown by an impressive 150.00% over the past year.
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)150%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)15.5%
Revenue growth 3Y25.95%
Revenue growth 5Y23.6%
Sales Q2Q%12.51%

3.2 Future

The Earnings Per Share is expected to decrease by -85.93% 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 11.03% yearly.
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

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

The Price/Earnings ratio is 10.00, which indicates a very decent valuation of SLQT.
SLQT's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.46, SLQT is valued rather cheaply.
SLQT is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 10
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 10 20 30

4.2 Price Multiples

SLQT's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SLQT is cheaper than 65.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.85
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

SLQT's earnings are expected to decrease with -85.93% in the coming years. This may justify a cheaper valuation.
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 (11/19/2025, 2:58:29 PM)

1.4

-0.07 (-4.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-09 2026-02-09
Inst Owners44.91%
Inst Owner Change-2.01%
Ins Owners11.53%
Ins Owner Change17.7%
Market Cap246.23M
Revenue(TTM)1.53B
Net Income(TTM)25.03M
Analysts78
Price Target5.36 (282.86%)
Short Float %1.67%
Short Ratio2.07
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)-3.45%
EPS NQ rev (1m)0%
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)-4.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.85%
Valuation
Industry RankSector Rank
PE 10
Fwd PE N/A
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 0.43
P/tB 0.47
EV/EBITDA 6.85
EPS(TTM)0.14
EY10%
EPS(NY)-0.2
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 1.51
F-Score4
WACC9.5%
ROIC/WACC0.55
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)150%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
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%12.51%
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%.