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SelectQuote, Inc (SLQT) Fair Value & Analysis

Financial Services · US · Market cap $167M

SI SelectQuote, Inc logo SelectQuote, Inc SLQT · US
Price$0.6864
Fair Value$1.29
Upside+87.9%
Quality43/100
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Expensive Growth
Thin margins · 5.6% net margin
Moderate debt · negative free cash flow
Trails peers (4/11)
Narrow moat 36/100
Evidence: High Range $0.9670 – $1.61 Share as image

Fair value as of: Jul 27, 2026

From 6 valuation models · updated 15 days ago

Fair value updated Jul 27, 2026, revised from $1.78 to $1.29 (−27.5%) since Jun 26, 2026. Share price −11.7% over the past month.

Below-average quality, screening 88% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case ($0.9670). The market is more pessimistic than our downside scenario.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

$31.13 $0.5290 Fair Value $1.29 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $0.5290 – $31.13 · fair‑value band $0.9670 – $1.61 · the $0.6864 price screens below the $1.29 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

SelectQuote, Inc (SLQT) currently trades at $0.6864, while our model-based Fair Value estimate is $1.29, implying the stock looks roughly 87.9% undervalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, SelectQuote, Inc generated revenue of $1.6B at a net margin of 5.6%. Revenue grew 5.6% year over year. It earns a return on equity of 15.1%. Net debt stands at $384M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $0.9670 (bear case) to $1.61 (bull case); at $0.6864, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 75% below its 52-week high and 22% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at 88%, SLQT screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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. Evidence
Highest evidence
Residual Income $2.43 $2.49 $2.48 76
Gordon GGM $0.0500 $0.0800 $0.1000 70
P/E Multiple $2.63 $3.51 $4.38 63
All 6 models by family
Dividend Discount
Gordon GGM $0.0500 $0.0800 $0.1000 70
DDM Multi-Stage $0.0500 $0.0700 $0.0800 61
Multiples
P/E Multiple $2.63 $3.51 $4.38 63
P/B Multiple $3.43 $4.57 $5.71 55
Asset-Based
NCAV (Graham) $1.63 $2.19 $3.26 50
Economic Profit
Residual Income $2.43 $2.49 $2.48 76

Widest divergence: Multiples ($3.51) versus Dividend Discount ($0.0700). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) $1.6B
Revenue growth (YoY) +5.6%
Net margin 5.6%
Return on equity 15.1%
Free cash flow −$13.9M FY2025
Operating margin 8.3%
More key figures
EPS (TTM) $-0.0100
EPS growth (YoY) +219%
Net debt $384M FY2025

Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 43/100

Of which business quality 43 · Market factors (momentum, volatility) 6

Profitability 55
Margins and returns on capital today
Quality Growth 70
Are margins and returns improving?
Cashflow 13
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 77
Disciplined investing over empire-building
Low Volatility 7
Calm price path (market factor)
Momentum 7
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 24
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

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.

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SelectQuote, Inc reported revenue of $1.5B in FY2025 versus $930M in FY2021, a compound +13.2%/yr. Reported net income was $47.6M in FY2025, compounding −21.4%/yr from FY2021.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
$1.5B
Latest YoY
+15.5%
Avg. growth/yr (3Y) 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.
+26.0%
Avg. growth/yr (5Y) 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.
+23.6%
Avg. growth/yr (7Y) 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.
+30.7%
Revenue +13.2%/yr
FY21 $930M
FY22 $764M
FY23 $1.0B
FY24 $1.3B
FY25 $1.5B
Net income −21.4%/yr
FY21 $125M
FY22 −$298M
FY23 −$58.5M
FY24 −$34.1M
FY25 $47.6M

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Cite: Fair Value Calculator (2026). "SelectQuote, Inc Fair Value". https://www.fairvalue-calculator.com/stock/SLQT

Peer Group

Insurance Brokers · 35 stocks

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.

Quality Score 43 · Bottom 25%
Fair Value upside +88% · Top 25%
Return on equity (TTM) 15% · Below median
Return on assets 3% · Below median
Net margin (TTM) 6% · Below median
Operating margin (TTM) 8% · Below median
Revenue growth 6% · Below median
Debt / equity 0.55× · Higher than median

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/B 0.29× · Cheaper than 75% of peers
P/S (TTM) 0.10× · Cheaper than 75% of peers
EV/EBITDA 6.3× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 0
FUTURE 28 · sector 59
PAST 60 · sector 60
HEALTH 73 · sector 88
DIVIDEND 0 · sector 50

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $182.18 $112.25 -38%
Aon plc AON $367.21 $224.91 -39%
Arthur J. Gallagher & Co AJG $253.09 $75.58 -70%
Willis Towers Watson Public Limited WTW $285.12 $220.92 -23%
Brown & Brown, Inc BRO $67.66 $40.43 -40%
Erie Indemnity Company ERIE $227.31 $157.43 -31%
PB Fintech Limited POLICYBZR ₹1,574 ₹188.49 -88%
Neptune Insurance Holdings NP $31.03 $3.52 -89%
CorVel Corporation CRVL $62.29 $47.59 -24%
Accelerant Holdings ARX $13.52 $18.06 +34%

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Frequently asked questions

Is SelectQuote, Inc (SLQT) overvalued or undervalued?
As of Jul 27, 2026, our model estimates a fair value of $1.29 versus a price of $0.6864, about +88% (undervalued).
What is the fair value of SLQT?
Our model-based fair value for SelectQuote, Inc is $1.29 (as of Jul 27, 2026), built from audited fundamentals. The current price is $0.6864.
What is the quality score of SLQT?
SelectQuote, Inc has a Quality Score of 43/100. 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 revenue of SelectQuote, Inc (SLQT)?
SelectQuote, Inc reported trailing-twelve-month revenue of about $1.6B (latest available figure, as of Jul 27, 2026).
What is the net profit margin of SLQT?
The net profit margin of SelectQuote, Inc is about 5.6%, meaning it keeps roughly 5.6% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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