Selectquote Inc (SLQT) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of Selectquote Inc stock $0.98, price $0.49, upside +100.1%, quality 39 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.
How to read this chart
60‑month range $0.3040 – $14.76 · fair‑value band $0.9550 – $1.26 · the $0.4903 price screens below the $0.9810 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 13, 2026.
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SelectQuote, Inc. operates a technology-enabled, direct-to-consumer distribution and engagement platform that sells insurance policies and healthcare services in the United States. The company operates through three segments: Senior, Healthcare Services, and Life.
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It offers medicare advantage, medicare supplement, medicare part D, and other ancillary senior health insurance-related products, as well as engages in lead generation business; term life, final expense, and other ancillary products; non-commercial auto and home, property, and casualty insurance products.
The company also provides SelectRx, a patient-centered pharmacy; Healthcare Select, which uses data from personal health risk and lifestyle assessment; HomeTM (PCPH), an accredited pharmacy; SelectPatient Management (SPM), a platform that helps patients navigate their chronic conditions and manage them using a treatment plan; and individual automobile and homeowners' insurance.
SelectQuote, Inc. was incorporated in 1999 and is headquartered in Overland Park, Kansas.
Stock analysis
Selectquote Inc (SLQT) currently trades at $0.4903, while our model-based Fair Value estimate is $0.9810, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $4.68 per share, and 4 of the 4 models we run sit above the $0.4903 price.
Bear case: the Asset-Based group reads lowest at $2.31, and 0 of the 4 models stay below the price. Data coverage for this calculation is low.
Scenario range: $0.9550 (bear) to $1.26 (bull), the price of $0.4903 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Selectquote Inc reported revenue of $1.6B in FY2026 versus $764M in FY2022, a compound +20.6%/yr. Reported net income was $62.2M in FY2026.
Key figures
Market cap $92.3M Micro · P/S ratio 0.06 · EPS (TTM) $−0.0200 · Net margin 3.8% · Return on equity 12.3% · Return on assets (EBIT) −2.0% (5-year average) · Operating margin 5.5% · Revenue (TTM) $1.6B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 71% below its 52-week high and 61% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −50% fair-value upside, at 100%, SLQT screens cheaper than that median.
Fair Value models
Bear$0.9550Fair Value $0.9810Bull$1.26
Price $0.4903 · Upside +100.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 5 officers or directors bought shares worth $446,272, most recently on Nov 9, 2026. Over the same period, one person sold shares worth $4,080. Buying cluster
BuyDonald L Hawks IIIDirector250,000 shares at $0.4569$114,218Nov 9, 2026
BuyRobert Clay GrantPRESIDENT2× since Feb 11, 2026: 198,702 shares, avg. $0.7334$145,721Nov 6, 2026
BuyTimothy Robert DankerCHIEF EXECUTIVE OFFICER, Director100,668 shares at $0.5040$50,737Nov 6, 2026
BuyWilliam Thomas Grant IIICHIEF OPERATING OFFICER79,600 shares at $0.5050$40,198Nov 6, 2026
BuyRaymond F WeldonDirector409,836 shares at $0.4900$200,820Nov 6, 2026
SaleDenise L DevineDirector4,000 shares at $1.02$4,080May 19, 202610b5-1 plan
Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
Start year 2021 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−8.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.9%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 5%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+17.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+0.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +14.4% a year for the price and −2.2% for the forecasts.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 32 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside+100.1% · Top 25%
Profitability
Return on equity (12 months)12.3% · Below median
Return on assets4.1% · Below median
Net margin (12 months)4.6% · Bottom 25%
Operating margin (12 months)5.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−14.8% · Bottom 25%
Balance sheet
Debt / equity0.54× · Above median
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Selectquote Inc Fair Value". https://www.fairvalue-calculator.com/stock/SLQT
Frequently asked questions
Is Selectquote Inc (SLQT) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of $0.9810 versus a price of $0.4903, about +100% upside (undervalued).
What is the fair value of SLQT?
Our model-based fair value for Selectquote Inc is $0.9810 (as of Nov 13, 2026), built from audited fundamentals. The current price: $0.4903.
What is the quality score of SLQT?
Selectquote Inc has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Selectquote Inc (SLQT)?
Our model-based price target is the fair value of $0.9810 (as of Nov 13, 2026) from 4 valuation models. Cautious scenario $0.9550, optimistic scenario $1.26. It is a calculation from audited fundamentals, not an analyst target.
What is the Selectquote Inc stock forecast for 2026?
Our models put fair value at $0.9810, about +100% upside versus a price of $0.4903 (undervalued). Cautious scenario $0.9550, optimistic scenario $1.26. The calculation is refreshed regularly with new filings.
What is the revenue of Selectquote Inc (SLQT)?
Selectquote Inc reported trailing-twelve-month revenue of about $1.6B (latest available figure, as of Nov 13, 2026).
What growth is priced into Selectquote Inc (SLQT)?
For today's price to be fair in a discounted-cash-flow model, Selectquote Inc would have to grow free cash flow by +17.1 % per year for five years (discount rate 15.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +11.7 % per year. As of Nov 13, 2026.
What discount rate (WACC) does the fair value of SLQT use?
Our models discount Selectquote Inc at 15.2 %: a base by market capitalisation (micro), damped by beta 1.95, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Selectquote Inc that is +17.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (15.2 %) and the same formula as our fair value.
How much growth has Selectquote Inc (SLQT) delivered so far?
Over the past 5 years revenue at Selectquote Inc grew +11.7 % a year. The price currently implies free-cash-flow growth of +17.1 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Selectquote Inc (SLQT) growing?
The median revenue growth in the sector is +8.8 % a year. That is the yardstick for the growth priced into Selectquote Inc (+17.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Selectquote Inc (SLQT)?
The free-cash-flow yield on the price is 29.92 %: that much free cash flow Selectquote Inc produces per unit of market value. When it exceeds the discount rate of our models (15.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Selectquote Inc (SLQT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Selectquote Inc it is $0.9810 per share (as of Nov 13, 2026), against a price of $0.4903. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Selectquote Inc stock overvalued or undervalued in 2026?
As of Nov 13, 2026, SLQT trades below its calculated fair value: price $0.4903, fair value $0.9810, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SLQT?
No. The price is what the market pays today ($0.4903); the fair value is what the company's own numbers justify ($0.9810). For Selectquote Inc the two are $0.4907 per share apart. That gap is exactly why we show both numbers side by side.
How much is Selectquote Inc worth?
The market values Selectquote Inc at about $92.3M (market capitalisation, as of Nov 13, 2026). Per share that is $0.4903; our models calculate a fair value of $0.9810 per share.
What do the bullish and bearish scenarios say about SLQT?
Our models span a range for Selectquote Inc: cautious scenario $0.9550, base $0.9810, optimistic $1.26 per share (as of Nov 13, 2026, price $0.4903). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Selectquote Inc (SLQT)?
Balance-sheet figures for Selectquote Inc (as of Nov 13, 2026): return on equity 12.3%, debt of 0.54 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is SLQT from its 52-week high?
Selectquote Inc trades at $0.4903, about 71% below its 52-week high of $1.72 and 61% above the low of $0.3040 (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of $0.9810 is for.
Which stocks are comparable to Selectquote Inc?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Selectquote Inc stock attractive at the current price?
The data as of Nov 13, 2026: price $0.4903, calculated fair value $0.9810 (+100%), Quality Score 39/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SLQT calculated?
We run Selectquote Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $0.9810 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.3% above its aggregate fair value. Selectquote Inc currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Selectquote Inc (SLQT)?
The closing price on Nov 12, 2026 was $0.4903. Our model-based fair value is $0.9810, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Selectquote Inc right now?
The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($0.9550). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Selectquote Inc
How large is the market capitalisation of Selectquote Inc (SLQT)?
The market capitalisation of Selectquote Inc is $92.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Selectquote Inc (SLQT)?
The price-to-sales ratio of Selectquote Inc is 0.06 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Selectquote Inc (SLQT)?
Earnings per share at Selectquote Inc are $−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Selectquote Inc (SLQT)?
The net margin of Selectquote Inc is 3.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Selectquote Inc (SLQT)?
The return on equity (ROE) of Selectquote Inc is 12.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Selectquote Inc (SLQT)?
On an EBIT basis the return on assets of Selectquote Inc is −2.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Selectquote Inc (SLQT)?
The operating margin of Selectquote Inc is 5.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Selectquote Inc (SLQT)?
Revenue at Selectquote Inc is growing −14.8% versus a year earlier (3y avg +17.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Selectquote Inc (SLQT)?
Earnings per share at Selectquote Inc are growing +219% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Selectquote Inc (SLQT) carry?
The net debt of Selectquote Inc is $376M (fiscal year 2026, ≈ 13.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 13, 2026