Financial Services · Insurance - Brokers
Price
$0.82
Market Cap
$145.3M
Employees
4,292
Beta
1.61
Avg Volume
1,762,725
CEO
Timothy Robert Danker
Business Description
SelectQuote, Inc. operates as a tech-driven, direct-to-consumer marketplace, offering a wide spectrum of insurance products to individuals throughout the United States. These policies are underwritten by a variety of insurance carriers. The company structures its operations across three core divisions: Senior, Life, and Auto & Home. Within its Senior segment, SelectQuote provides access to a comprehensive suite of health policies, including Medicare Advantage, Medicare Supplement, and Medicare Part D plans. This segment also features ancillary coverages such as prescription drug plans, dental, vision, and hearing benefits. The Life division concentrates on term life insurance offerings, while the Auto & Home segment delivers personal automobile, homeowners', and general casualty insurance solutions. Established in 1999, SelectQuote, Inc. is headquartered in Overland Park, Kansas.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
1.67
Stock Price: $0.82
EPS (Diluted): 0.14
EPS (Diluted): 0.14
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.73
Stock Price: $0.82
Total Equity: $575.52M
Shares: 181,895,000
Total Equity: $575.52M
Shares: 181,895,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
3.56
Market Cap: $145.26M
Total Debt: $385.11M
Cash: $32.40M
EBITDA: $148.36M
Total Debt: $385.11M
Cash: $32.40M
EBITDA: $148.36M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$802.7M
Market Cap: $145.26M
Total Debt: $385.11M
Cash: $32.40M
Total Debt: $385.11M
Cash: $32.40M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
38.7%
Gross Profit: $591.13M
Revenue: $1.53B
Revenue: $1.53B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
4.5%
Operating Income: $68.50M
Revenue: $1.53B
Revenue: $1.53B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
3.1%
Net Income: $47.58M
Revenue: $1.53B
Revenue: $1.53B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
15.3%
Net Income: $47.58M
Total Equity: $575.52M
Total Equity: $575.52M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
4.8%
Operating Income: $68.50M
Tax Rate: 1.9%
Equity: $575.52M
Total Debt: $385.11M
Cash: $32.40M
Tax Rate: 1.9%
Equity: $575.52M
Total Debt: $385.11M
Cash: $32.40M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
1.60
Current Assets: $341.04M
Current Liabilities: $212.91M
Current Liabilities: $212.91M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.67
Short-Term Debt: $68.52M
Long-Term Debt: $316.59M
Total Debt: $385.11M
Total Equity: $575.52M
Long-Term Debt: $316.59M
Total Debt: $385.11M
Total Equity: $575.52M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$8.39
Revenue: $1.53B
Shares: 181,895,000
Shares: 181,895,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$3.16
Total Equity: $575.52M
Shares: 181,895,000
Shares: 181,895,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-0.08
Operating CF: -$11.67M
CapEx: -$2.19M
Shares: 181,895,000
CapEx: -$2.19M
Shares: 181,895,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $0.82
Stock Price: $0.82
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $47.58M
Net Income: $47.58M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares SLQT against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 27, 2026 5:32am (4h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $930.0M | $764.0M | $1.0B | $1.3B | $1.5B |
| Cost of Revenue | $270.7M | $455.7M | $527.5M | $723.8M | $935.5M |
| Gross Profit | $659.3M | $308.3M | $475.4M | $598.0M | $591.1M |
| Operating Expenses | $467.0M | $654.4M | $463.8M | $533.4M | $522.6M |
| Operating Income | $192.2M | -$346.0M | $11.6M | $64.6M | $68.5M |
| Net Income | $124.9M | -$297.5M | -$58.5M | -$34.1M | $47.6M |
| EBITDA | $203.5M | -$321.5M | $39.3M | $89.5M | $148.4M |
| EPS | $0.77 | $-1.81 | $-0.35 | $-0.20 | $0.14 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 27, 2026 5:32am (4h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $286.5M | $141.0M | $83.2M | $42.7M | $32.4M |
| Total Current Assets | $483.4M | $402.8M | $363.2M | $332.9M | $341.0M |
| Total Assets | $1.4B | $1.3B | $1.2B | $1.2B | $1.2B |
| Current Liabilities | $108.8M | $113.5M | $137.3M | $174.6M | $212.9M |
| Long-Term Debt | $459.0M | $698.4M | $664.6M | $637.5M | $316.6M |
| Total Liabilities | $756.8M | $898.9M | $872.3M | $877.1M | $673.8M |
| Total Equity | $667.0M | $391.1M | $347.0M | $316.8M | $575.5M |
| Retained Earnings | $120.4M | -$177.1M | -$235.6M | -$269.8M | -$222.2M |
Cash Flow (Annual)
Last updated: Jun 27, 2026 5:32am (4h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$115.4M | -$338.3M | -$19.4M | $15.2M | -$11.7M |
| Capital Expenditure | -$23.0M | -$34.6M | -$9.1M | -$11.7M | -$2.2M |
| Free Cash Flow | -$138.4M | -$373.0M | -$28.5M | $3.6M | -$13.9M |
| Acquisitions (net) | -$41.0M | -$6.9M | $0 | -$3.4M | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$82.4M | -$145.5M | -$57.8M | -$40.5M | -$5.6M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 10:05pm (12h ago)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$1.3B $1.3B – $1.3B
|
$1.5B $1.5B – $1.5B
|
$1.7B $1.6B – $1.7B
|
$1.7B $1.7B – $1.8B
|
| EBITDA |
$550,711 $550,006 – $551,417
|
$648,192 $643,899 – $656,777
|
$705,853 $684,777 – $718,675
|
$745,699 $723,433 – $759,244
|
| Net Income |
-$31.6M -$32.6M – -$30.6M
|
-$7.7M -$7.9M – -$7.4M
|
-$5.0M -$5.1M – -$4.8M
|
-$23.0M -$23.7M – -$22.3M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 27, 2026 5:32am (4h ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -17.8% | +31.3% | +31.8% | +15.5% |
| Gross Profit Growth | -53.2% | +54.2% | +25.8% | -1.1% |
| Operating Income Growth | -280.0% | +103.3% | +457.3% | +6.1% |
| Net Income Growth | -338.3% | +80.3% | +41.7% | +239.4% |
| EBITDA Growth | -258.0% | +112.2% | +127.4% | +65.8% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 5:32am (4h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-19 | Devine Denise L | S-Sale | 4,000.00 | $1.02 | $4,080 |
| 2026-02-28 | Wolfe Chris | M-Exempt | 9,502.00 | $0.00 | $0 |
| 2026-02-28 | Wolfe Chris | M-Exempt | 9,502.00 | $0.00 | $0 |
| 2026-02-28 | Clement Ryan Moore | M-Exempt | 20,834.00 | $0.00 | $0 |
| 2026-03-01 | Clement Ryan Moore | M-Exempt | 6,234.00 | $0.00 | $0 |
| 2026-03-01 | Clement Ryan Moore | F-InKind | 2,161.00 | $0.86 | $1,858 |
| 2026-02-28 | Clement Ryan Moore | F-InKind | 7,219.00 | $0.86 | $6,208 |
| 2026-03-01 | Clement Ryan Moore | M-Exempt | 6,234.00 | $0.00 | $0 |
| 2025-11-11 | Vukovic Srdjan | A-Award | 106,250.00 | $0.00 | $0 |
| 2026-02-28 | Vukovic Srdjan | M-Exempt | 9,502.00 | $0.00 | $0 |
| 2026-02-28 | Vukovic Srdjan | M-Exempt | 9,502.00 | $0.00 | $0 |
| 2026-02-11 | Grant Robert Clay | P-Purchase | 40,021.00 | $0.88 | $35,018 |
| 2026-02-11 | Grant Robert Clay | P-Purchase | 39,514.00 | $0.89 | $35,009 |
| 2026-02-11 | Grant Robert Clay | P-Purchase | 39,366.00 | $0.89 | $34,996 |
| 2025-11-11 | DEVANNY EARL H III | M-Exempt | 52,631.00 | $0.00 | $0 |
| 2025-11-11 | DEVANNY EARL H III | A-Award | 106,250.00 | $0.00 | $0 |
| 2025-11-11 | DEVANNY EARL H III | M-Exempt | 52,631.00 | $0.00 | $0 |
| 2025-11-11 | Hawks Donald L III | M-Exempt | 52,631.00 | $0.00 | $0 |
| 2025-11-11 | Hawks Donald L III | A-Award | 106,250.00 | $0.00 | $0 |
| 2025-11-11 | Hawks Donald L III | M-Exempt | 52,631.00 | $0.00 | $0 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for SLQT — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30