SELECTQUOTE INC (SLQT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SLQT - US8163073005 - Common Stock
1.33 USD
-0.06 (-4.32%)
1.33 USD
0 (0%)
Taking everything into account, SLQT scores 3 out of 10 in our fundamental rating. SLQT was compared to 148 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. While showing a medium growth rate, SLQT is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year SLQT was profitable.
SLQT had a negative 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 Return On Assets (1.79%) which is in line with its industry peers.
The Return On Equity of SLQT (3.96%) is worse than 77.03% of its industry peers.
SLQT has a Return On Invested Capital (3.17%) which is in line with its industry peers.
SLQT had an Average Return On Invested Capital over the past 3 years of 3.69%. This is significantly below the industry average of 14.88%.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of SLQT (1.38%) is worse than 81.08% of its industry peers.
Looking at the Operating Margin, with a value of 2.54%, SLQT is doing worse than 84.46% of the companies in the same industry.
In the last couple of years the Operating Margin of SLQT has declined.
SLQT has a better Gross Margin (35.89%) than 90.54% of its industry peers.
In the last couple of years the Gross Margin of SLQT has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SLQT is destroying value.
Compared to 1 year ago, SLQT has more shares outstanding
Compared to 5 years ago, SLQT has more shares outstanding
Compared to 1 year ago, SLQT has an improved debt to assets ratio.
2.2 Solvency
SLQT has an Altman-Z score of 1.44. 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 (1.44) is better than 83.11% of its industry peers.
A Debt/Equity ratio of 0.59 indicates that SLQT is somewhat dependend on debt financing.
The Debt to Equity ratio of SLQT (0.59) is worse than 77.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.44 |
ROIC/WACC0.32
WACC9.84%
2.3 Liquidity
A Current Ratio of 1.54 indicates that SLQT should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.54, SLQT belongs to the top of the industry, outperforming 87.16% of the companies in the same industry.
A Quick Ratio of 1.54 indicates that SLQT should not have too much problems paying its short term obligations.
SLQT has a Quick ratio of 1.54. This is amongst the best in the industry. SLQT outperforms 87.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 |
3. Growth
3.1 Past
SLQT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 150.00%, which is quite impressive.
The Revenue has grown by 13.16% in the past year. This is quite good.
SLQT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 23.60% yearly.
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
Based on estimates for the next years, SLQT will show a very negative growth in Earnings Per Share. The EPS will decrease by -75.87% 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 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.50, which indicates a very decent valuation of SLQT.
SLQT's Price/Earnings ratio is a bit cheaper when compared to the industry. SLQT is cheaper than 66.89% of the companies in the same industry.
SLQT is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
SLQT is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| 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 | 10.4 |
4.3 Compensation for Growth
SLQT's earnings are expected to decrease with -75.87% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-75.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for SLQT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1.33
-0.06 (-4.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners42.96%
Inst Owner Change-2.06%
Ins Owners8.81%
Ins Owner Change8.45%
Market Cap234.04M
Revenue(TTM)1.56B
Net Income(TTM)21.64M
Analysts78
Price Target4.59 (245.11%)
Short Float %2.14%
Short Ratio2.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-4.55%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)23.08%
EPS NY rev (3m)-149.99%
Revenue NQ rev (1m)2.21%
Revenue NQ rev (3m)-1.65%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)-0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | N/A | ||
| P/S | 0.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.43 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | 10.4 |
EPS(TTM)0.14
EY10.53%
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 Rank | Sector 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 Rank | Sector 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 | 1.44 |
F-Score4
WACC9.84%
ROIC/WACC0.32
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%.