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SELECTQUOTE INC (SLQT) Stock Fundamental Analysis

NYSE:SLQT - New York Stock Exchange, Inc. - US8163073005 - Common Stock

4.495  +0.07 (+1.47%)

Fundamental Rating

3

Overall SLQT gets a fundamental rating of 3 out of 10. We evaluated SLQT against 143 industry peers in the Insurance industry. SLQT has a bad profitability rating. Also its financial health evaluation is rather negative. SLQT is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
SLQT had negative earnings in 4 of the past 5 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 0 100M -100M -200M -300M

1.2 Ratios

SLQT's Return On Assets of -4.15% is on the low side compared to the rest of the industry. SLQT is outperformed by 91.49% of its industry peers.
Looking at the Return On Equity, with a value of -17.67%, SLQT is doing worse than 87.23% of the companies in the same industry.
The Return On Invested Capital of SLQT (6.04%) is better than 82.98% of its industry peers.
Industry RankSector Rank
ROA -4.15%
ROE -17.67%
ROIC 6.04%
ROA(3y)-10.24%
ROA(5y)-4.72%
ROE(3y)-34.57%
ROE(5y)-17.64%
ROIC(3y)N/A
ROIC(5y)N/A
SLQT Yearly ROA, ROE, ROICSLQT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60

1.3 Margins

With a Operating Margin value of 5.43%, SLQT is not doing good in the industry: 68.79% of the companies in the same industry are doing better.
SLQT's Operating Margin has declined in the last couple of years.
SLQT has a better Gross Margin (44.80%) than 93.62% of its industry peers.
In the last couple of years the Gross Margin of SLQT has declined.
Industry RankSector Rank
OM 5.43%
PM (TTM) N/A
GM 44.8%
OM growth 3Y-38.22%
OM growth 5Y-30.08%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.91%
GM growth 5Y-8.11%
SLQT Yearly Profit, Operating, Gross MarginsSLQT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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3

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.
Compared to 1 year ago, SLQT has more shares outstanding
The number of shares outstanding for SLQT has been increased compared to 5 years ago.
SLQT has about the same debt/assets ratio as last year.
SLQT Yearly Shares OutstandingSLQT Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 500M 1B

2.2 Solvency

Based on the Altman-Z score of 1.70, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
SLQT has a Altman-Z score of 1.70. This is amongst the best in the industry. SLQT outperforms 88.65% of its industry peers.
The Debt to FCF ratio of SLQT is 65.08, which is on the high side as it means it would take SLQT, 65.08 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SLQT (65.08) is worse than 76.60% of its industry peers.
A Debt/Equity ratio of 2.36 is on the high side and indicates that SLQT has dependencies on debt financing.
With a Debt to Equity ratio value of 2.36, SLQT is not doing good in the industry: 94.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 65.08
Altman-Z 1.7
ROIC/WACC0.69
WACC8.74%
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 0 200M -200M 400M 600M

2.3 Liquidity

SLQT has a Current Ratio of 1.84. This is a normal value and indicates that SLQT is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Current ratio value of 1.84, SLQT belongs to the best of the industry, outperforming 91.49% of the companies in the same industry.
SLQT has a Quick Ratio of 1.84. 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 Quick ratio of 1.84. This is amongst the best in the industry. SLQT outperforms 91.49% of its industry peers.
Industry RankSector Rank
Current Ratio 1.84
Quick Ratio 1.84
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 100M 200M 300M 400M 500M

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6

3. Growth

3.1 Past

SLQT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
The Revenue has grown by 28.72% 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 31.39% on average per year.
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-36.84%
Revenue 1Y (TTM)28.72%
Revenue growth 3Y12.43%
Revenue growth 5Y31.39%
Sales Q2Q%25.58%

3.2 Future

The Earnings Per Share is expected to grow by 50.30% on average over the next years. This is a very strong growth
SLQT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.75% yearly.
EPS Next Y2.86%
EPS Next 2Y50.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.48%
Revenue Next 2Y13.75%
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 500M 1B 1.5B
SLQT Yearly EPS VS EstimatesSLQT Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 -1

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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.
The Price/Forward Earnings ratio is 82.63, which means the current valuation is very expensive for SLQT.
SLQT's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLQT is more expensive than 79.43% of the companies in the same industry.
SLQT's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.44.
Industry RankSector Rank
PE N/A
Fwd PE 82.63
SLQT Price Earnings VS Forward Price EarningsSLQT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as SLQT.
76.60% of the companies in the same industry are cheaper than SLQT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 73.73
EV/EBITDA 14.36
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SLQT does not grow enough to justify the current Price/Earnings ratio.
SLQT's earnings are expected to grow with 50.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y50.3%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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SELECTQUOTE INC

NYSE:SLQT (1/22/2025, 11:54:06 AM)

4.495

+0.07 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2024-11-04/bmo
Earnings (Next)02-10 2025-02-10/bmo
Inst Owners35.38%
Inst Owner Change-0.01%
Ins Owners9.81%
Ins Owner Change5.35%
Market Cap770.89M
Analysts80
Price Target4.59 (2.11%)
Short Float %1.7%
Short Ratio2.14
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-25.82%
Min EPS beat(2)-37.78%
Max EPS beat(2)-13.85%
EPS beat(4)1
Avg EPS beat(4)2.45%
Min EPS beat(4)-37.78%
Max EPS beat(4)63.4%
EPS beat(8)5
Avg EPS beat(8)67.08%
EPS beat(12)6
Avg EPS beat(12)20.6%
EPS beat(16)8
Avg EPS beat(16)14.85%
Revenue beat(2)2
Avg Revenue beat(2)7.11%
Min Revenue beat(2)3.89%
Max Revenue beat(2)10.34%
Revenue beat(4)4
Avg Revenue beat(4)7.12%
Min Revenue beat(4)3.89%
Max Revenue beat(4)10.34%
Revenue beat(8)8
Avg Revenue beat(8)9.66%
Revenue beat(12)10
Avg Revenue beat(12)0.01%
Revenue beat(16)12
Avg Revenue beat(16)0.69%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-48.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-300%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.06%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 82.63
P/S 0.56
P/FCF 73.73
P/OCF 34.58
P/B 2.86
P/tB 3.56
EV/EBITDA 14.36
EPS(TTM)-0.28
EYN/A
EPS(NY)0.05
Fwd EY1.21%
FCF(TTM)0.06
FCFY1.36%
OCF(TTM)0.13
OCFY2.89%
SpS8.05
BVpS1.57
TBVpS1.26
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.15%
ROE -17.67%
ROCE 7.65%
ROIC 6.04%
ROICexc 6.11%
ROICexgc 6.46%
OM 5.43%
PM (TTM) N/A
GM 44.8%
FCFM 0.76%
ROA(3y)-10.24%
ROA(5y)-4.72%
ROE(3y)-34.57%
ROE(5y)-17.64%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y-30.93%
ROICexcg growth 5Y-23.78%
ROICexc growth 3Y-29.33%
ROICexc growth 5Y-24.21%
OM growth 3Y-38.22%
OM growth 5Y-30.08%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.91%
GM growth 5Y-8.11%
F-Score4
Asset Turnover1.2
Health
Industry RankSector Rank
Debt/Equity 2.36
Debt/FCF 65.08
Debt/EBITDA 6.4
Cap/Depr 48.12%
Cap/Sales 0.86%
Interest Coverage 1.13
Cash Conversion 22.39%
Profit Quality N/A
Current Ratio 1.84
Quick Ratio 1.84
Altman-Z 1.7
F-Score4
WACC8.74%
ROIC/WACC0.69
Cap/Depr(3y)73.19%
Cap/Depr(5y)111.33%
Cap/Sales(3y)2.11%
Cap/Sales(5y)2.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-36.84%
EPS Next Y2.86%
EPS Next 2Y50.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)28.72%
Revenue growth 3Y12.43%
Revenue growth 5Y31.39%
Sales Q2Q%25.58%
Revenue Next Year13.48%
Revenue Next 2Y13.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y162.2%
EBIT growth 3Y-30.54%
EBIT growth 5Y-8.12%
EBIT Next Year99.3%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y103.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y107.47%
OCF growth 3YN/A
OCF growth 5Y168.1%