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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
10/02/2026: SLQT (1-star) is currently NOT-A-BUY. Pass it for now.
SelectQuote, Inc. is a technology-enabled insurance distribution company known for its Medicare Advantage and term life insurance brokerage services. The company has a leading position in direct-to-consumer insurance comparisons, with recent efforts focusing on integrating population health services to build recurring revenue streams. While its scalable platform allows for rapid customer acquisition, the business faces significant risks from regulatory changes in the senior health market and high customer acquisition costs. SelectQuote may best suit investors who understand the cyclical nature of insurance distribution and the regulatory sensitivities inherent in healthcare. Monitoring the performance of its population health initiatives and carrier commission stability is essential for assessing future growth.
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 | While the company has significant market opportunity, growth has been inconsistent due to regulatory headwinds. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit high beta and sharp price movements based on seasonal Medicare enrollment cycles. |
| Value investor | Mixed fit | Valuation is often tied to volatile earnings, making it a challenging play for traditional value strategies. |
| Dividend investor | Weak fit | The company does not pay a dividend and focuses on reinvesting cash flow. |
| Low-risk investor | Weak fit | High regulatory, operational, and market volatility make this unsuitable for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to significant swings based on regulatory announcements and seasonal earnings. |
| Valuation risk | Medium / high | Future growth expectations are heavily discounted or premium-priced based on highly sensitive LTV estimates. |
| Competition risk (Direct digital-broker competition) | High | The sector is crowded with well-funded competitors and tech-first insurance platforms. |
| Business quality | Medium | The business model is dependent on external carrier commission policies and regulatory stability. |
| Dividend income | Low / none | There is no dividend income stream for investors. |
| Execution risk | Medium / high | Successfully managing the transition to a healthcare services provider remains a complex operational challenge. |
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 -17.84% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
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 76.37M USD | Price to earnings Ratio - | 1Y Target Price 2.12 |
Price to earnings Ratio - | 1Y Target Price 2.12 | ||
Volume (30-day avg) 1.3M shares | Beta 1.69 | 52 Weeks Range 0.38 - 2.22 | Updated Date 10/02/2026 |
52 Weeks Range 0.38 - 2.22 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.06 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Senior (Medicare) | Commissions from Medicare Advantage and Supplement plan enrollments. | This is the primary revenue engine and highly sensitive to regulatory changes. |
| Life & Other | Brokerage fees from Term Life, Auto, and Home insurance policies. | These segments provide some diversification away from Medicare-centric revenues. |
| Population Health | Pharmacy services and care management for Medicare beneficiaries. | This is a newer, high-potential growth area aimed at recurring health service revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 66.67 | Enterprise Value 754.99M | Price to Sales(TTM) 0.05 |
Enterprise Value 754.99M | Price to Sales(TTM) 0.05 | ||
Enterprise Value to Revenue 0.47 | Enterprise Value to EBITDA 5.46 | Shares Outstanding 179.26M | Shares Floating 142.25M |
Shares Outstanding 179.26M | Shares Floating 142.25M | ||
Percent Insiders 9.56 | Percent Institutions 45.93 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Selectquote Inc
Exchange NYSE | Headquarters Overland Park, KS, United States | ||
IPO Launch date 2020-05-21 | CEO & Director Mr. Timothy Robert Danker | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 4039 | Website https://www.selectquote.com |
Full time employees 4039 | Website https://www.selectquote.com | ||
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; 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 founded in 1985 and is headquartered in Overland Park, Kansas.
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