SelectQuote (SLQT) AI Stock Analysis

• Market Cap: $246.36M
• Dividend Yield: N/A
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.29
• Revenue Growth: 13.16%
• EPS Growth: N/A
• Country: US
• Employees: 4,292
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): -0.26
• Shares Outstanding: 175,971,740
• 10 Day Avg. Volume: 679,865
• 30 Day Avg. Volume: 1,034,738
• PEG Ratio: -0.05
• Price to Book (P/B): 0.73
• Price to Sales (P/S): 0.27
• P/FCF Ratio: -30.25
• Enterprise Value/Market Cap: 4.12
• Enterprise Value/Revenue: 0.65
• Enterprise Value/Gross Profit: 1.40
• Enterprise Value/Ebitda: 7.62
• 1Y Price Target: $6.00
• Price Target Upside: 328.57% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): -0.04
• Revenue Forecast (FY): $1.69B

• Rating: 50 Neutral
• Price Target: $1.50 ▲(7.14% Upside)

SelectQuote's overall score reflects a mix of positive revenue growth and operational improvements, offset by significant profitability and cash flow challenges. The technical indicators suggest bearish momentum, and the valuation is unattractive due to negative earnings. The earnings call provided some optimism with growth in certain segments, but unmet fiscal targets and EBITDA losses weigh heavily on the outlook.

Positive Factors

Revenue Growth

The 13% revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and competitiveness.

Improved Gross Margins

Improved gross margins suggest better cost management and operational efficiency, enhancing profitability potential over time.

Debt Reduction

Reduced leverage enhances financial stability and flexibility, allowing for more strategic investments and growth opportunities.

Negative Factors

Profitability Concerns

Low profitability and negative cash flow can hinder reinvestment in growth initiatives and challenge long-term financial health.

Senior Segment Revenue Decline

Declining revenues in the Senior segment due to policy changes may indicate vulnerability to regulatory shifts, impacting future growth.

Healthcare Services EBITDA Impact

Changes in reimbursement rates can significantly affect profitability, highlighting risks in dependency on external pricing policies.

SelectQuote Business Overview & Revenue Model

Company Description

SelectQuote (SLQT) is a leading online insurance marketplace that specializes in connecting consumers with a variety of insurance products, including life, auto, home, and health insurance. Founded in 1985, the company operates primarily in the financial services sector, leveraging technology to provide personalized insurance solutions. SelectQuote offers a platform that allows consumers to compare quotes from multiple insurance carriers, helping them to find the best policies to meet their needs.

How the Company Makes Money

SelectQuote generates revenue primarily through commissions earned on the sale of insurance policies. The company partners with numerous insurance carriers, receiving a commission for each policy sold through its platform. This commission-based model allows SelectQuote to monetize its extensive customer base effectively. Additionally, the company may earn referral fees for directing customers to specific insurance providers. SelectQuote's focus on providing a transparent and user-friendly experience attracts a wide audience, contributing to its revenue growth. The company also invests in marketing and technology to enhance its services and expand its reach within the insurance marketplace.

SelectQuote Financial Statement Overview

Summary

SelectQuote shows signs of recovery with improved revenue growth and gross profit margins. However, profitability remains a concern with low net profit margins and negative operating cash flow. The reduction in leverage is a positive sign, but the company needs to address cash flow challenges to ensure long-term financial health.

Income Statement

SelectQuote has shown a positive revenue growth trend with a TTM revenue growth rate of 2.39%. The gross profit margin has improved significantly from 45.24% in 2024 to 61.30% in TTM, indicating better cost management. However, the net profit margin remains low at 3.12% in TTM, suggesting limited profitability. The EBIT and EBITDA margins have improved but are still modest, reflecting operational challenges.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.17 in TTM from a high of 2.25 in 2024, indicating reduced leverage and better financial stability. However, the return on equity is relatively low at 11.01% in TTM, suggesting limited returns for shareholders. The equity ratio is not provided, which limits a full assessment of asset financing.

Cash Flow

SelectQuote's cash flow situation is challenging, with negative operating cash flow in TTM. The free cash flow growth rate is positive at 40.62% in TTM, but the operating cash flow to net income ratio is negative, indicating cash flow issues. The free cash flow to net income ratio is strong at 1.19, suggesting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.56B	1.53B	1.32B	1.00B	764.04M	929.98M
Gross Profit	723.36M	591.13M	597.97M	475.36M	308.35M	659.27M
EBITDA	133.19M	148.36M	89.48M	39.34M	-321.49M	203.48M
Net Income	61.67M	47.58M	-34.13M	-58.54M	-297.50M	124.86M
Balance Sheet
Total Assets	1.21B	1.25B	1.19B	1.22B	1.29B	1.42B
Cash, Cash Equivalents and Short-Term Investments	10.74M	32.40M	42.69M	83.16M	141.00M	286.45M
Total Debt	422.85M	415.91M	713.92M	731.80M	745.06M	505.30M
Total Liabilities	660.05M	673.84M	877.11M	872.28M	898.95M	756.82M
Stockholders Equity	546.93M	575.52M	316.80M	346.97M	391.11M	667.04M
Cash Flow
Free Cash Flow	-24.39M	-13.86M	3.57M	-28.50M	-372.96M	-138.43M
Operating Cash Flow	-16.68M	-11.67M	15.24M	-19.38M	-338.31M	-115.44M
Investing Cash Flow	-12.72M	-11.31M	-14.85M	-9.13M	-42.58M	-64.02M
Financing Cash Flow	34.66M	17.36M	-40.86M	-29.34M	235.43M	97.04M

SelectQuote Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SLQT, the sentiment is Negative. The current price of 1.4 is below the 20-day moving average (MA) of 1.59, below the 50-day MA of 1.84, and below the 200-day MA of 2.52, indicating a bearish trend. The MACD of -0.14 indicates Negative momentum. The RSI at 33.74 is Neutral, neither overbought nor oversold. The STOCH value of 50.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SLQT.

SelectQuote Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HUIZ	57 Neutral	$35.01M	13.92	4.56%	―	19.30%	-17.56%
EHTH	56 Neutral	$123.98M	108.63	5.88%	―	16.79%	―
SLQT	50 Neutral	$246.36M	―	15.11%	―	13.16%	―
RELI	43 Neutral	$6.47M	―	-146.43%	―	-6.84%	97.23%
TIRX	43 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%
GOCO	41 Neutral	$47.15M	-0.18	-142.05%	―	7.56%	-344.04%

SelectQuote Corporate Events

SelectQuote Holds 2025 Annual Stockholders Meeting

On November 11, 2025, SelectQuote, Inc. held its 2025 Annual Meeting of Stockholders, where 114,443,928 shares were represented. During the meeting, two Class III directors were elected, Deloitte & Touche LLP was ratified as the independent accounting firm for the fiscal year ending June 30, 2026, and the compensation for the company’s named executive officers was approved.

The most recent analyst rating on (SLQT) stock is a Buy with a $7.00 price target. To see the full list of analyst forecasts on SelectQuote stock, see the SLQT Stock Forecast page.

SelectQuote Inc. Reports Q1 FY2026 Financial Results

SelectQuote Inc., a company specializing in offering unbiased insurance comparisons, operates primarily in the insurance and healthcare services sectors. The company provides a range of services including Medicare Advantage plans, prescription drug delivery, and life insurance.

SelectQuote Earnings Call: Mixed Sentiment and Strategic Outlook

SelectQuote’s recent earnings call revealed a mixed sentiment, reflecting both achievements and challenges faced by the company. On the positive side, SelectQuote reported significant revenue growth in its consolidated and Life Insurance business, alongside operational successes with the new Kansas facility. However, the company encountered difficulties with declining revenues in the Senior segment due to policy changes and a substantial EBITDA impact in Healthcare Services caused by reimbursement rate adjustments. These hurdles have led to unmet fiscal targets, impacting the overall sentiment of the earnings call.

SelectQuote Inc’s Earnings Call Highlights Growth Amid Challenges

During SelectQuote Inc’s recent earnings call, the sentiment was notably positive, driven by strong revenue growth and impressive agent productivity. However, the company acknowledged challenges in the Medicare Advantage market and anticipated lower EBITDA margins in fiscal 2026. The integration of technology and AI was highlighted as a promising avenue for future efficiency gains.

SelectQuote Inc. Reports Strong Q4 2025 Results

SelectQuote Inc., a company specializing in providing insurance comparisons and healthcare services, operates in the insurance and healthcare sectors, offering a unique blend of insurance brokerage and healthcare solutions.