SELECTQUOTE INC (SLQT)
US8163073005 - Common Stock
Overall SLQT gets a fundamental rating of 3 out of 10. We evaluated SLQT against 141 industry peers in the Insurance industry. SLQT has a bad profitability rating. Also its financial health evaluation is rather negative. SLQT is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SLQT had negative earnings in the past year.
In the past year SLQT had a positive cash flow from operations.
SLQT had negative earnings in 4 of the past 5 years.
In the past 5 years SLQT reported 4 times negative operating cash flow.
1.2 Ratios
SLQT has a worse Return On Assets (-4.15%) than 91.43% of its industry peers.
Looking at the Return On Equity, with a value of -17.67%, SLQT is doing worse than 86.43% of the companies in the same industry.
The Return On Invested Capital of SLQT (6.04%) is better than 83.57% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
SLQT has a Operating Margin of 5.43%. This is in the lower half of the industry: SLQT underperforms 67.14% of its industry peers.
In the last couple of years the Operating Margin of SLQT has declined.
SLQT has a Gross Margin of 44.80%. This is amongst the best in the industry. SLQT outperforms 94.29% of its industry peers.
SLQT's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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
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.
2.2 Solvency
Based on the Altman-Z score of 1.53, we must say that SLQT is in the distress zone and has some risk of bankruptcy.
SLQT's Altman-Z score of 1.53 is amongst the best of the industry. SLQT outperforms 85.71% of its industry peers.
SLQT has a debt to FCF ratio of 65.08. This is a negative value and a sign of low solvency as SLQT would need 65.08 years to pay back of all of its debts.
SLQT has a worse Debt to FCF ratio (65.08) than 76.43% 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.
The Debt to Equity ratio of SLQT (2.36) is worse than 94.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.36 | ||
| Debt/FCF | 65.08 | ||
| Altman-Z | 1.53 |
ROIC/WACC0.72
WACC8.37%
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.
SLQT's Current ratio of 1.84 is amongst the best of the industry. SLQT outperforms 92.14% of its industry peers.
A Quick Ratio of 1.84 indicates that SLQT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.84, SLQT belongs to the top of the industry, outperforming 92.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.84 | ||
| Quick Ratio | 1.84 |
3. Growth
3.1 Past
The earnings per share for SLQT have decreased by 0.00% in the last year.
SLQT shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.72%.
SLQT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.39% yearly.
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 47.58% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.75% on average over the next years. This is quite good.
EPS Next Y10.95%
EPS Next 2Y47.58%
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.
4. Valuation
4.1 Price/Earnings Ratio
SLQT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 81.01, the valuation of SLQT can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLQT indicates a rather expensive valuation: SLQT more expensive than 80.71% of the companies listed in the same industry.
SLQT is valuated expensively when we compare the Price/Forward Earnings ratio to 22.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 81.01 |
4.2 Price Multiples
SLQT's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, SLQT is valued a bit more expensive than 72.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 49.7 | ||
| EV/EBITDA | 11.89 |
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.
A more expensive valuation may be justified as SLQT's earnings are expected to grow with 47.58% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y47.58%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for SLQT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SELECTQUOTE INC
NYSE:SLQT (12/20/2024, 8:04:00 PM)
After market: 3.11 +0.08 (+2.64%)3.03
+0.03 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners35.38%
Inst Owner Change-16.72%
Ins Owners9.81%
Ins Owner Change5.35%
Market Cap519.64M
Analysts80
Price Target4.59 (51.49%)
Short Float %1.35%
Short Ratio1.71
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)9.8%
EPS NQ rev (3m)-48.15%
EPS NY rev (1m)5.98%
EPS NY rev (3m)-266.66%
Revenue NQ rev (1m)1.57%
Revenue NQ rev (3m)-2.68%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)-4.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 81.01 | ||
| P/S | 0.38 | ||
| P/FCF | 49.7 | ||
| P/OCF | 23.31 | ||
| P/B | 1.93 | ||
| P/tB | 2.4 | ||
| EV/EBITDA | 11.89 |
EPS(TTM)-0.28
EYN/A
EPS(NY)0.04
Fwd EY1.23%
FCF(TTM)0.06
FCFY2.01%
OCF(TTM)0.13
OCFY4.29%
SpS8.05
BVpS1.57
TBVpS1.26
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.53 |
F-Score4
WACC8.37%
ROIC/WACC0.72
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 Y10.95%
EPS Next 2Y47.58%
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 Year74.43%
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%