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SelectQuote, Inc. (SLQT) 10-Year Financial Performance & Capital Metrics

SLQT • • Insurance & Managed Care
Financial ServicesInsurance BrokersDigital Health Insurance MarketplacesMedicare-Focused Marketplaces
AboutSelectQuote, Inc. operates a technology-enabled, direct-to-consumer distribution platform that sells a range of insurance policies to consumers from various insurance carriers in the United States. The company operates through three segments: Senior; Life; and Auto & Home. It distributes senior health policies, such as medicare advantage, medicare supplement, medicare part D, and other ancillary senior health insurance related policies, including prescription drugs, dental, vision, and hearing plans; term life policies; and non-commercial auto and home property, and casualty policies. The company was incorporated in 1999 and is headquartered in Overland Park, Kansas.Show more
  • Revenue $1.53B +15.5%
  • Combined Ratio 95.51% +0.4%
  • Net Income $48M +239.4%
  • Return on Equity 10.66% +203.7%
  • Medical Cost Ratio 61.28% +11.9%
  • Operating Margin 4.49% -8.1%
  • Net Margin 3.12% +220.7%
  • ROA 3.89% +237.7%
  • Equity / Assets 46.07% +73.6%
  • Book Value per Share 3.16 +68.3%
  • Tangible BV/Share 2.91 +86.2%
  • Debt/Equity 0.72 -67.9%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Trading at only 0.5x book value

✗Weaknesses

  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y23.59%
3Y25.95%
TTM13.16%

Profit (Net Income) CAGR

10Y-
5Y-9.75%
3Y-
TTM229.5%

EPS CAGR

10Y-
5Y-51.39%
3Y-
TTM153.89%

ROCE

10Y Avg8.31%
5Y Avg0.49%
3Y Avg4.61%
Latest6.66%

Peer Comparison

Medicare-Focused Marketplaces
Select Columns
Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
Safety & Leverage
TTM Growth
Famous Investor Metrics
Dividends
Latest Quarter
Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
SLQTSelectQuote, Inc.293.87M1.67125.5615.5%3.95%11.28%0.72
GOCOGoHealth, Inc.38.62M2.40-3.648.74%-26.96%-0.64%1.15

Profit & Loss

Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue+233.69M337.47M529.34M929.98M764.04M1B1.32B1.53B
Revenue Growth %-0.44%0.57%0.76%-0.18%0.31%0.32%0.15%
Medical Costs & Claims+83.34M104.42M167.4M270.71M455.7M527.49M723.8M935.47M
Medical Cost Ratio %--------
Gross Profit+150.35M233.05M361.94M659.27M308.35M475.36M597.97M591.13M
Gross Margin %--------
Gross Profit Growth %-0.55%0.55%0.82%-0.53%0.54%0.26%-0.01%
Operating Expenses+107.19M136.76M231.79M467.03M654.35M463.78M533.42M522.63M
OpEx / Revenue %--------
Depreciation & Amortization3.47M4.7M7.99M16.14M24.72M27.88M25M20.46M
Combined Ratio %--------
Operating Income+43.16M96.29M130.15M192.24M-346.01M11.58M64.55M68.5M
Operating Margin %--------
Operating Income Growth %-1.23%0.35%0.48%-2.8%1.03%4.57%0.06%
EBITDA+46.62M100.99M138.15M208.38M-321.29M39.46M89.55M88.96M
EBITDA Margin %--------
Interest Expense929K1.66M24.59M29.32M43.59M80.61M93.55M79.39M
Non-Operating Income709K15K1.57M4.9M202K121K65K-59.4M
Pretax Income+41.52M94.61M103.99M158.01M-389.81M-69.14M-29.07M48.51M
Pretax Margin %--------
Income Tax+6.62M22.03M24.5M33.16M-92.3M-10.6M5.06M931K
Effective Tax Rate %--------
Net Income+34.9M72.58M79.48M124.86M-297.5M-58.54M-34.13M47.58M
Net Margin %--------
Net Income Growth %-1.08%0.1%0.57%-3.38%0.8%0.42%2.39%
EPS (Diluted)+0.250.450.490.75-1.81-0.35-0.200.01
EPS Growth %-0.8%0.09%0.53%-3.41%0.81%0.43%1.07%
EPS (Basic)0.260.450.490.77-1.81-0.35-0.200.14
Diluted Shares Outstanding138.21M162.19M162.19M165.54M164.04M166.14M168.52M181.9M

Balance Sheet

Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets+297.56M406.94M1.13B1.42B1.29B1.22B1.19B1.25B
Asset Growth %-0.37%1.77%0.26%-0.09%-0.05%-0.02%0.05%
Total Investment Assets+196.09M279.49M461.75M000723.97M820.08M
Long-Term Investments196.09M279.49M461.75M000723.97M820.08M
Short-Term Investments00000000
Total Current Assets+83.57M102.96M513.83M483.42M402.77M363.22M332.92M341.04M
Cash & Equivalents958K570K368.87M286.45M141M83.16M42.69M32.4M
Receivables1000K1000K1000K1000K1000K1000K1000K1000K
Other Current Assets3.59M6.45M828K0005.03M25.18M
Goodwill & Intangibles+6.29M10.26M74.65M121.3M76.69M54.08M53.61M46.47M
Goodwill5.36M5.36M46.58M68.02M29.14M29.14M29.44M29.44M
Intangible Assets929K4.89M28.07M53.28M47.56M24.94M24.17M17.03M
PP&E (Net)11.08M13.76M22.15M60.92M69.82M51.02M42.41M39.21M
Other Assets196.62M279.96M1.41M758.21M740.77M750.94M41M2.55M
Total Liabilities109.63M143.69M582.36M756.82M898.95M872.28M877.11M673.84M
Total Debt+19.83M25.68M311.92M505.3M745.06M731.8M713.92M415.91M
Net Debt18.87M25.11M-56.95M218.84M604.07M648.64M671.23M383.51M
Long-Term Debt19.75M21.65M311.81M459.04M698.42M664.63M637.48M316.59M
Short-Term Debt03.92M49K2.36M7.17M33.88M45.85M68.52M
Total Current Liabilities+24.28M33.22M95.81M108.82M113.51M137.26M174.59M212.91M
Accounts Payable-33K7.63M22.89M34.08M24.77M27.58M36.59M59.2M
Deferred Revenue3.3M2.02M1.74M5.08M8.03M2.83M12.72M698K
Other Current Liabilities1.31M1.33M48.91M41.15M42.15M50.67M16.99M65.81M
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K
Other Liabilities5.94M7.49M14.58M11.72M2.86M2.83M1.81M80.48M
Total Equity+187.93M263.25M545.69M667.04M391.11M346.97M316.8M575.52M
Equity Growth %-0.4%1.07%0.22%-0.41%-0.11%-0.09%0.82%
Shareholders Equity187.93M263.25M545.69M667.04M391.11M346.97M316.8M575.52M
Minority Interest00000000
Retained Earnings129.47M200.45M-2.79M120.4M-177.1M-235.64M-269.77M-222.19M
Common Stock1.1M1.15M1.62M1.64M1.64M1.67M1.69M1.73M
Accumulated OCI-10.26M0-1.25M229K11.72M13.68M4.11M0
Return on Equity (ROE)0.19%0.32%0.2%0.21%-0.56%-0.16%-0.1%0.11%
Return on Assets (ROA)0.12%0.21%0.1%0.1%-0.22%-0.05%-0.03%0.04%
Equity / Assets--------
Debt / Equity0.11x0.10x0.57x0.76x1.91x2.11x2.25x0.72x
Book Value per Share1.361.623.364.032.382.091.883.16
Tangible BV per Share--------

Cash Flow

Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Cash from Operations+-4.85M113K-61.78M-115.44M-338.31M-19.38M15.24M-11.67M
Operating CF Growth %-1.02%-547.69%-0.87%-1.93%0.94%1.79%-1.77%
Operating CF / Revenue %--------
Net Income34.9M72.58M81.15M124.86M-297.5M-58.54M-34.13M25.03M
Depreciation & Amortization3.47M4.7M7.99M16.14M24.72M27.88M25M20.46M
Stock-Based Compensation67K86K9.5M5.17M7.05M11.31M13.82M18.36M
Deferred Taxes6.58M21.99M25.01M33.01M-92.72M-11.18M1.16M1.85M
Other Non-Cash Items770K344K3.24M11.91M58.73M43.67M28.9M-5.05M
Working Capital Changes-50.63M-99.59M-188.66M-306.53M-38.6M-32.52M-19.51M-72.31M
Cash from Investing+-6.02M-8.64M-51.37M-64.02M-42.58M-9.13M-14.85M-11.31M
Capital Expenditures-6.02M-8.64M-15.55M-14.91M-24.8M-1.45M-3.38M-2.19M
Acquisitions00-35.82M-41.03M-6.93M0-3.43M0
Purchase of Investments0000-1M000
Sale/Maturity of Investments00000000
Other Investing-624K-4.71M3K-8.08M-9.85M-7.68M-8.03M-9.12M
Cash from Financing+11.48M8.13M481.45M97.04M235.43M-29.34M-40.86M17.36M
Dividends Paid-1.88M-1.96M-275M00000
Share Repurchases-441K-34K000000
Stock Issued00340.2M0000330.88M
Debt Issuance (Net)1000K1000K1000K1000K1000K-1000K-1000K-1000K
Other Financing462K4.04M-9.35M-47.34M-2.8M-11.35M-1.82M-7.51M
Net Change in Cash+616K-388K368.3M-82.42M-145.46M-57.84M-40.47M-5.62M
Exchange Rate Effect00000000
Cash at Beginning342K958K570K368.87M286.45M141M83.16M42.69M
Cash at End958K570K368.87M286.45M141M83.16M42.69M37.07M
Free Cash Flow+-10.87M-8.52M-77.33M-138.43M-372.96M-28.5M3.57M-13.86M
FCF Growth %-0.22%-8.07%-0.79%-1.69%0.92%1.13%-4.88%
FCF Margin %--------
FCF per Share-0.08-0.05-0.48-0.84-2.27-0.170.02-0.08

Key Ratios

Metric20182019202020212022202320242025
Combined Ratio81.53%71.47%75.41%79.33%145.29%98.84%95.12%95.51%
Medical Cost Ratio35.66%30.94%31.62%29.11%59.64%52.6%54.76%61.28%
Return on Equity (ROE)18.57%32.17%19.65%20.59%-56.23%-15.86%-10.28%10.66%
Return on Assets (ROA)11.73%20.6%10.36%9.79%-21.92%-4.67%-2.83%3.89%
Equity / Assets63.16%64.69%48.37%46.85%30.32%28.46%26.53%46.07%
Book Value / Share1.361.623.364.032.382.091.883.16
Debt / Equity0.11x0.10x0.57x0.76x1.91x2.11x2.25x0.72x
Revenue Growth-44.41%56.86%75.69%-17.84%31.26%31.8%15.5%

Revenue by Segment

202020212022202320242025
Service--6.62M653.47M856.92M797.84M
Service Growth---9765.19%31.13%-6.89%
Pharmacy---239.55M464.85M728.75M
Pharmacy Growth----94.06%56.77%
Product and Service, Other780K5.3M6.56M109.83M4.17M4.17M
Product and Service, Other Growth-579.23%23.82%1574.25%-96.20%-0.07%
Product------
Product Growth------
Commission534K2M----
Commission Growth-275.28%----

Frequently Asked Questions

Valuation & Price

SelectQuote, Inc. (SLQT) has a price-to-earnings (P/E) ratio of 125.6x. This suggests investors expect higher future growth.

Growth & Financials

SelectQuote, Inc. (SLQT) grew revenue by 15.5% over the past year. This is strong growth.

Yes, SelectQuote, Inc. (SLQT) is profitable, generating $61.7M in net income for fiscal year 2025 (3.1% net margin).

Dividend & Returns

SelectQuote, Inc. (SLQT) has a return on equity (ROE) of 10.7%. This is reasonable for most industries.

Industry Metrics

SelectQuote, Inc. (SLQT) has a combined ratio of 95.5%. A ratio below 100% indicates underwriting profitability.

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