Fundamental Analysis of SELECTQUOTE INC(NYSE:SLQT) stock

Fundamental Rating

SLQT gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 140 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 expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year SLQT has reported negative net income.

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

In the past 5 years SLQT reported 4 times negative net income.

SLQT had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -4.09%, SLQT is doing worse than 89.93% of the companies in the same industry.

SLQT's Return On Equity of -14.69% is on the low side compared to the rest of the industry. SLQT is outperformed by 85.61% of its industry peers.

The Return On Invested Capital of SLQT (2.27%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	-4.09%
ROE	-14.69%
ROIC	2.27%

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

Looking at the Operating Margin, with a value of 2.45%, SLQT is doing worse than 76.26% of the companies in the same industry.

SLQT's Operating Margin has declined in the last couple of years.

SLQT has a better Gross Margin (45.36%) than 94.96% of its industry peers.

In the last couple of years the Gross Margin of SLQT has declined.

		Industry Rank	Sector Rank
OM	2.45%
PM (TTM)	N/A
GM	45.36%

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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ROA

ROE

ROIC

Operating and Profit Margin

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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.

There is no outstanding debt for SLQT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

Based on the Altman-Z score of 1.22, we must say that SLQT is in the distress zone and has some risk of bankruptcy.

SLQT has a better Altman-Z score (1.22) than 84.17% of its industry peers.

A Debt/Equity ratio of 1.87 is on the high side and indicates that SLQT has dependencies on debt financing.

SLQT has a worse Debt to Equity ratio (1.87) than 92.09% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.87
Debt/FCF	N/A
Altman-Z	1.22

ROIC/WACC0.3

WACC7.66%

2.3 Liquidity

A Current Ratio of 2.02 indicates that SLQT has no problem at all paying its short term obligations.

SLQT's Current ratio of 2.02 is amongst the best of the industry. SLQT outperforms 92.81% of its industry peers.

A Quick Ratio of 2.02 indicates that SLQT has no problem at all paying its short term obligations.

SLQT has a Quick ratio of 2.02. This is amongst the best in the industry. SLQT outperforms 92.81% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.02
Quick Ratio	2.02

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SLQT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.00%, which is quite impressive.

EPS 1Y (TTM)40%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%37.93%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%38.52%

3.2 Future

Based on estimates for the next years, SLQT will show a very strong growth in Earnings Per Share. The EPS will grow by 52.97% on average per year.

Based on estimates for the next years, SLQT will show a quite strong growth in Revenue. The Revenue will grow by 12.85% on average per year.

EPS Next Y75.71%

EPS Next 2Y52.97%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year18.51%

Revenue Next 2Y12.85%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SLQT is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	17.7

4.3 Compensation for Growth

A more expensive valuation may be justified as SLQT's earnings are expected to grow with 52.97% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y52.97%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for SLQT!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SELECTQUOTE INC

NYSE:SLQT (9/19/2024, 4:10:02 PM)

After market: 2 0 (0%)

+0.01 (+0.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap338.32M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-4.09%
ROE	-14.69%
ROCE
ROIC
ROICexc
ROICexgc
OM	2.45%
PM (TTM)	N/A
GM	45.36%
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 Turnover0.99

Health

		Industry Rank	Sector Rank
Debt/Equity	1.87
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	2.02
Quick Ratio	2.02
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)

High Growth Momentum

Growth

EPS 1Y (TTM)40%

EPS 3YN/A

EPS 5Y

EPS Q2Q%

EPS Next Y75.71%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5Y

Sales 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

SELECTQUOTE INC (SLQT)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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