Logo image of SLQT

SELECTQUOTE INC (SLQT) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:SLQT - US8163073005 - Common Stock

1.51 USD
+0.12 (+8.63%)
Last: 12/11/2025, 8:07:29 PM
1.55 USD
+0.04 (+2.65%)
After Hours: 12/11/2025, 8:07:29 PM
Fundamental Rating

3

Taking everything into account, SLQT scores 3 out of 10 in our fundamental rating. SLQT was compared to 147 industry peers in the Insurance industry. The financial health of SLQT is average, but there are quite some concerns on its profitability. SLQT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

SLQT had positive earnings in the past year.
SLQT had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: SLQT reported negative net income in multiple 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 of 1.79%. This is comparable to the rest of the industry: SLQT outperforms 46.94% of its industry peers.
Looking at the Return On Equity, with a value of 3.96%, SLQT is doing worse than 79.59% of the companies in the same industry.
SLQT's Return On Invested Capital of 3.17% is in line compared to the rest of the industry. SLQT outperforms 58.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SLQT is significantly below the industry average of 14.90%.
Industry RankSector 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
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 1.38% is on the low side compared to the rest of the industry. SLQT is outperformed by 83.67% of its industry peers.
SLQT's Operating Margin of 2.54% is on the low side compared to the rest of the industry. SLQT is outperformed by 85.03% of its industry peers.
SLQT's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 35.89%, SLQT belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.
SLQT's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
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

More info and screens

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.
The number of shares outstanding for SLQT has been increased compared to 5 years ago.
Compared to 1 year ago, SLQT has an improved debt to assets ratio.
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 1.47, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
SLQT's Altman-Z score of 1.47 is amongst the best of the industry. SLQT outperforms 82.99% of its industry peers.
SLQT has a Debt/Equity ratio of 0.59. This is a neutral value indicating SLQT is somewhat dependend on debt financing.
SLQT's Debt to Equity ratio of 0.59 is on the low side compared to the rest of the industry. SLQT is outperformed by 76.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF N/A
Altman-Z 1.47
ROIC/WACC0.34
WACC9.4%
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 1.54 indicates that SLQT should not have too much problems paying its short term obligations.
The Current ratio of SLQT (1.54) is better than 87.76% 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 has a better Quick ratio (1.54) than 87.76% of its industry peers.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.54
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

More info and screens

5

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.
Measured over the past years, SLQT shows a very strong growth in Revenue. The Revenue has been growing by 23.60% on average per year.
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
Based on estimates for the next years, SLQT will show a quite strong growth in Revenue. The Revenue will grow by 9.60% on average per year.
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.
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

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.79 indicates a reasonable valuation of SLQT.
SLQT's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.76, 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 10.79
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 40

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 10.94
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 -75.87% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-75.87%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

No dividends for SLQT!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

SELECTQUOTE INC

NYSE:SLQT (12/11/2025, 8:07:29 PM)

After market: 1.55 +0.04 (+2.65%)

1.51

+0.12 (+8.63%)

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 Owners42.96%
Inst Owner Change-2.06%
Ins Owners8.81%
Ins Owner Change8.45%
Market Cap265.71M
Revenue(TTM)1.56B
Net Income(TTM)21.64M
Analysts78
Price Target4.59 (203.97%)
Short Float %2.26%
Short Ratio2.94
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)78.89%
Min EPS beat(2)20.34%
Max EPS beat(2)137.43%
EPS beat(4)4
Avg EPS beat(4)97.02%
Min EPS beat(4)20.34%
Max EPS beat(4)204.25%
EPS beat(8)5
Avg EPS beat(8)49.74%
EPS beat(12)9
Avg EPS beat(12)77.06%
EPS beat(16)10
Avg EPS beat(16)39.7%
Revenue beat(2)2
Avg Revenue beat(2)1.16%
Min Revenue beat(2)1.06%
Max Revenue beat(2)1.27%
Revenue beat(4)3
Avg Revenue beat(4)1.57%
Min Revenue beat(4)-1.56%
Max Revenue beat(4)5.51%
Revenue beat(8)7
Avg Revenue beat(8)4.34%
Revenue beat(12)11
Avg Revenue beat(12)6.96%
Revenue beat(16)13
Avg Revenue beat(16)0.4%
PT rev (1m)-14.29%
PT rev (3m)-14.29%
EPS NQ rev (1m)-2.33%
EPS NQ rev (3m)-14.29%
EPS NY rev (1m)23.08%
EPS NY rev (3m)-149.99%
Revenue NQ rev (1m)-1.65%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.75%
Valuation
Industry RankSector Rank
PE 10.79
Fwd PE N/A
P/S 0.17
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 0.53
EV/EBITDA 10.94
EPS(TTM)0.14
EY9.27%
EPS(NY)-0.15
Fwd EYN/A
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS8.88
BVpS3.11
TBVpS2.84
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.13
Profitability
Industry RankSector Rank
ROA 1.79%
ROE 3.96%
ROCE 4.01%
ROIC 3.17%
ROICexc 3.21%
ROICexgc 3.38%
OM 2.54%
PM (TTM) 1.38%
GM 35.89%
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 Turnover1.3
Health
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF N/A
Debt/EBITDA 5.52
Cap/Depr 66.41%
Cap/Sales 0.81%
Interest Coverage 0.74
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.54
Quick Ratio 1.54
Altman-Z 1.47
F-Score4
WACC9.4%
ROIC/WACC0.34
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-124.28%
EPS Next 2Y-75.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.16%
Revenue growth 3Y25.95%
Revenue growth 5Y23.6%
Sales Q2Q%12.51%
Revenue Next Year11.58%
Revenue Next 2Y9.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-47.02%
EBIT growth 3YN/A
EBIT growth 5Y-12.05%
EBIT Next Year95.19%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-485.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-504.83%
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 3 / 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 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 dividend sustainability for SLQT stock?

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