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Upturn AI Summary - About
Selectquote Inc(SLQT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SLQT
11/02/2026: SLQT (1-star) is currently NOT-A-BUY. Pass it for now.
Selectquote Inc is a technology-enabled insurance distribution company specializing in Medicare Advantage and term life insurance. Its core strength lies in a robust, data-driven platform that efficiently connects consumers with various insurance carriers. The primary growth story revolves around stabilizing the Medicare business and scaling its Population Health initiatives to enhance customer lifetime value. Investors must weigh these opportunities against significant risks, including regulatory shifts in health insurance, heavy reliance on commission revenue, and intense competition for customer acquisition. The stock may suit growth-oriented investors who can tolerate high volatility and regulatory uncertainty, provided they monitor carrier relationship health and enrollment efficiency closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential through InsurTech scaling but carries significant execution and regulatory risk. |
| Momentum investor | Strong fit while signal remains positive | Conditional on positive price trends and sustained improvements in operational efficiency. |
| Value investor | Mixed fit | Valuation fluctuates significantly based on perceived Medicare market stability. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | High volatility in earnings and regulatory sensitivity make this a high-risk equity. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock frequently experiences large price swings driven by quarterly earnings reports and regulatory news. |
| Valuation risk | Medium / high | Market sentiment regarding the sustainability of commission revenue directly impacts valuation multiples. |
| Competition risk (Direct-to-consumer digital insurance) | High | Intense competition from peers like GoHealth and eHealth squeezes margins and increases acquisition costs. |
| Business quality | Medium | While the platform model is scalable, heavy reliance on third-party carriers creates underlying business quality sensitivity. |
| Dividend income | Low / none | No dividends are paid, offering zero income utility to investors. |
| Execution risk | High | Successfully managing large sales teams and adapting to regulatory shifts is critical to long-term survival. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -32.66% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 64.00M USD | Price to earnings Ratio - | 1Y Target Price 2.09 |
Price to earnings Ratio - | 1Y Target Price 2.09 | ||
Volume (30-day avg) 1.3M shares | Beta 1.94 | 52 Weeks Range 0.30 - 2.17 | Updated Date 11/01/2026 |
52 Weeks Range 0.30 - 2.17 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.06 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Senior (Medicare) | Commissions earned from enrolling consumers in Medicare Advantage plans. | This is the primary engine of the company, highly dependent on enrollment success and carrier relationships. |
| Life Insurance | Commissions for facilitating term and other life insurance policies. | A legacy segment that provides stable but slower-growth revenue compared to the Medicare business. |
| Auto & Home | Referral and commission revenue from property and casualty insurance products. | Offers diversification, though it represents a smaller portion of total revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 66.67 | Enterprise Value 742.55M | Price to Sales(TTM) 0.04 |
Enterprise Value 742.55M | Price to Sales(TTM) 0.04 | ||
Enterprise Value to Revenue 0.46 | Enterprise Value to EBITDA 5.37 | Shares Outstanding 179.26M | Shares Floating 142.25M |
Shares Outstanding 179.26M | Shares Floating 142.25M | ||
Percent Insiders 9.68 | Percent Institutions 45.96 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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