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SelectQuote (SLQT) Financials

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$2.26 -0.01 (-0.22%)
Closing price 08/29/2025 03:59 PM Eastern
Extended Trading
$2.26 +0.01 (+0.40%)
As of 08/29/2025 07:56 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for SelectQuote

Annual Income Statements for SelectQuote

This table shows SelectQuote's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Net Income / (Loss) Attributable to Common Shareholders		 -298 -59 -34
Consolidated Net Income / (Loss)		 -298 -59 -34
Net Income / (Loss) Continuing Operations		 -298 -59 -34
Total Pre-Tax Income 		-390 -69 -29
Total Revenue		 720 922 1,228
Net Interest Income / (Expense)		 -44 -81 -94
Total Interest Income		 0.00 0.00 0.00
Total Interest Expense		 44 81 94
Long-Term Debt Interest Expense		 44 81 94
Total Non-Interest Income		 764 1,003 1,322
Net Realized & Unrealized Capital Gains on Investments		 764 1,003 1,322
Total Non-Interest Expense		 1,110 991 1,257
Net Occupancy & Equipment Expense		 25 26 34
Marketing Expense		 484 301 359
Other Operating Expenses		 557 664 865
Impairment Charge		 45 0.00 0.00
Nonoperating Income / (Expense), net		 -0.20 -0.12 -0.07
Income Tax Expense		 -92 -11 5.06
Basic Earnings per Share		 ($1.81) ($0.35) ($0.20)
Weighted Average Basic Shares Outstanding		 164.04M 166.14M 168.52M
Diluted Earnings per Share		 ($1.81) ($0.35) ($0.20)
Weighted Average Diluted Shares Outstanding		 164.04M 166.14M 168.52M
Weighted Average Basic & Diluted Shares Outstanding		 164.45M 167.69M 171.44M

Quarterly Income Statements for SelectQuote

This table shows SelectQuote's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 -105 -42 23 9.26 -48 -31 19 8.55 -31 -45 53
Consolidated Net Income / (Loss)		 -105 -42 23 9.26 -48 -31 19 8.55 -31 -45 53
Net Income / (Loss) Continuing Operations		 -105 -42 23 9.26 -48 -31 19 8.55 -31 -45 53
Total Pre-Tax Income 		-131 -56 32 12 -57 -44 31 8.72 -25 -35 40
Total Revenue		 127 146 298 278 200 211 381 352 284 269 457
Net Interest Income / (Expense)		 -12 -17 -21 -21 -22 -21 -24 -24 -23 -23 -24
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 12 17 21 21 22 21 24 24 23 23 24
Long-Term Debt Interest Expense		 12 17 21 21 22 21 24 24 23 23 24
Total Non-Interest Income		 139 162 319 299 222 233 405 376 307 292 481
Other Non-Interest Income		 - - 319 - - 233 - - - 292 481
Total Non-Interest Expense		 258 202 266 266 257 255 350 343 309 304 410
Net Occupancy & Equipment Expense		 6.05 6.18 6.25 6.43 7.15 7.64 8.05 8.60 9.23 9.07 10
Marketing Expense		 75 58 90 90 64 62 117 109 70 64 98
Other Operating Expenses		 132 138 170 169 187 185 225 225 229 231 302
Nonoperating Income / (Expense), net		 - - -0.07 - - -0.04 0.00 - - -0.01 -7.66
Income Tax Expense		 -26 -14 9.41 3.15 -9.55 -13 11 0.17 6.20 9.53 -14
Basic Earnings per Share		 ($0.64) ($0.26) $0.14 $0.06 ($0.29) ($0.19) $0.12 $0.05 ($0.18) ($0.26) $0.31
Weighted Average Basic Shares Outstanding		 164.04M 164.82M 166.49M 166.54M 166.14M 167.45M 168.35M 169.07M 168.52M 170.43M 171.80M
Diluted Earnings per Share		 ($0.64) ($0.26) $0.14 $0.06 ($0.29) ($0.19) $0.11 $0.05 ($0.17) ($0.26) $0.30
Weighted Average Diluted Shares Outstanding		 164.04M 164.82M 166.55M 167.91M 166.14M 167.45M 169.74M 170.96M 168.52M 170.43M 175.10M
Weighted Average Basic & Diluted Shares Outstanding		 164.45M 166.46M 166.51M 166.66M 167.69M 167.73M 168.99M 169.16M 171.44M 171.50M 172.14M

Annual Cash Flow Statements for SelectQuote

This table details how cash moves in and out of SelectQuote's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Net Change in Cash & Equivalents		 -145 -58 -40
Net Cash From Operating Activities		 -338 -19 15
Net Cash From Continuing Operating Activities		 -338 -19 15
Net Income / (Loss) Continuing Operations		 -298 -59 -34
Consolidated Net Income / (Loss)		 -298 -59 -34
Depreciation Expense		 25 28 25
Amortization Expense		 5.46 8.68 6.14
Non-Cash Adjustments to Reconcile Net Income		 -32 35 38
Changes in Operating Assets and Liabilities, net		 -39 -33 -20
Net Cash From Investing Activities		 -43 -9.13 -15
Net Cash From Continuing Investing Activities		 -43 -9.13 -15
Purchase of Property, Leasehold Improvements and Equipment		 -25 -9.13 -12
Purchase of Investment Securities		 -18 0.00 -3.43
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.00 0.25
Net Cash From Financing Activities		 235 -29 -41
Net Cash From Continuing Financing Activities		 235 -29 -41
Issuance of Debt		 292 0.00 0.00
Repayment of Debt		 -54 -28 -41
Other Financing Activities, Net		 -2.47 -1.24 -0.29
Cash Interest Paid		 38 59 67
Cash Income Taxes Paid		 -0.17 -0.31 -0.59

Quarterly Cash Flow Statements for SelectQuote

This table details how cash moves in and out of SelectQuote's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -58 -70 -35 56 -8.89 -35 -38 27 4.88 -32 3.19
Net Cash From Operating Activities		 -54 -47 -28 63 -6.54 -24 -26 44 20 -17 -29
Net Cash From Continuing Operating Activities		 -54 -47 -28 63 -6.54 -24 -26 44 20 -17 -29
Net Income / (Loss) Continuing Operations		 -105 -42 23 9.26 -48 -31 19 8.55 -31 -45 53
Consolidated Net Income / (Loss)		 -105 -42 23 9.26 -48 -31 19 8.55 -31 -45 53
Depreciation Expense		 6.77 6.80 7.19 7.10 6.79 5.99 5.90 6.70 6.41 5.60 5.06
Amortization Expense		 1.24 1.61 2.31 2.33 2.43 1.61 1.74 1.51 1.28 1.06 1.32
Non-Cash Adjustments to Reconcile Net Income		 24 -7.86 17 11 15 -5.46 22 8.56 13 20 4.17
Changes in Operating Assets and Liabilities, net		 19 -5.24 -77 33 17 5.24 -77 19 31 1.64 -97
Net Cash From Investing Activities		 -2.56 -2.39 -2.08 -2.39 -2.27 -2.15 -3.55 -3.23 -5.92 -2.57 -2.27
Net Cash From Continuing Investing Activities		 -2.56 -2.39 -2.08 -2.39 -2.27 -2.15 -3.55 -3.23 -5.92 -2.57 -2.27
Purchase of Property, Leasehold Improvements and Equipment		 -0.28 -0.30 -0.30 -0.46 -8.07 -0.62 -1.45 -1.05 -8.55 -0.44 -0.30
Purchase of Investment Securities		 -2.28 -2.09 -1.78 -1.93 5.80 -1.78 -2.10 -2.18 2.63 -2.13 -1.97
Net Cash From Financing Activities		 -1.85 -20 -4.50 -4.40 -0.09 -8.85 -8.52 -14 -9.19 -13 34
Net Cash From Continuing Financing Activities		 -1.85 -20 -4.50 -4.40 -0.09 -8.85 -8.52 -14 -9.19 -13 34
Repayment of Debt		 -1.85 -19 -4.50 -4.50 -0.04 -8.51 -8.51 -14 -9.27 -9.19 -150
Other Financing Activities, Net		 - -1.29 -0.00 0.10 -0.05 -0.35 -0.01 -0.01 0.07 -3.88 -0.05
Cash Interest Paid		 11 13 15 15 16 18 15 17 17 17 18
Cash Income Taxes Paid		 -0.24 0.01 0.01 0.00 -0.32 -0.14 -0.04 - -0.78 -2.22 -0.89

Annual Balance Sheets for SelectQuote

This table presents SelectQuote's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Total Assets		 1,290 1,219 1,194
Cash and Due from Banks		 141 83 43
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Goodwill		 29 29 29
Intangible Assets		 31 10 10
Other Assets		 1,089 1,097 1,112
Total Liabilities & Shareholders' Equity		 1,290 1,219 1,194
Total Liabilities		 899 872 877
Short-Term Debt		 37 67 87
Accrued Interest Payable		 26 17 17
Other Short-Term Payables		 50 54 71
Long-Term Debt		 698 665 637
Other Long-Term Liabilities		 87 70 65
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 391 347 317
Total Preferred & Common Equity		 391 347 317
Total Common Equity		 391 347 317
Common Stock		 556 569 582
Retained Earnings		 -177 -236 -270
Accumulated Other Comprehensive Income / (Loss)		 12 14 4.11

Quarterly Balance Sheets for SelectQuote

This table presents SelectQuote's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 9/30/2023 12/31/2023 3/31/2024 9/30/2024 12/31/2024
Total Assets		 1,249 1,298 1,288 1,170 1,236 1,245 1,147 1,279
Cash and Due from Banks		 71 36 92 48 11 38 10 12
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Goodwill		 29 29 29 29 29 29 29 29
Intangible Assets		 30 28 27 9.44 8.68 7.93 9.16 8.13
Other Assets		 1,119 1,204 1,140 1,083 1,187 1,170 1,098 1,229
Total Liabilities & Shareholders' Equity		 1,249 1,298 1,288 1,170 1,236 1,245 1,147 1,279
Total Liabilities		 893 916 897 853 899 898 877 953
Short-Term Debt		 44 55 63 71 105 104 99 120
Accrued Interest Payable		 17 22 23 18 17 21 15 13
Other Short-Term Payables		 84 87 60 48 62 65 52 62
Long-Term Debt		 673 670 667 661 651 648 637 684
Other Long-Term Liabilities		 74 82 83 55 65 60 74 74
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 357 382 391 317 337 347 269 326
Total Preferred & Common Equity		 357 382 391 317 337 347 269 326
Total Common Equity		 357 382 391 317 337 347 269 326
Common Stock		 560 563 566 572 576 579 582 587
Retained Earnings		 -220 -197 -188 -267 -247 -239 -314 -261
Accumulated Other Comprehensive Income / (Loss)		 16 16 13 12 8.25 6.48 1.33 0.00

Annual Metrics And Ratios for SelectQuote

This table displays calculated financial ratios and metrics derived from SelectQuote's official financial filings.

Metric 2022 2023 2024
Period end date 6/30/2022 6/30/2023 6/30/2024
Growth Metrics		 - - -
Revenue Growth		 -19.71% 28.01% 33.18%
EBITDA Growth		 -300.69% 90.97% 106.59%
EBIT Growth		 -344.11% 82.28% 57.98%
NOPAT Growth		 -316.25% 82.28% 57.98%
Net Income Growth		 -338.27% 80.32% 41.71%
EPS Growth		 -341.33% 80.66% 42.86%
Operating Cash Flow Growth		 -193.06% 94.27% 178.63%
Free Cash Flow Firm Growth		 -47.22% 100.08% 9,173.92%
Invested Capital Growth		 -3.32% -4.30% -3.41%
Revenue Q/Q Growth		 -6.17% 8.59% 7.32%
EBITDA Q/Q Growth		 -56.75% 69.71% 107.41%
EBIT Q/Q Growth		 -51.47% 51.58% 52.88%
NOPAT Q/Q Growth		 -50.51% 51.65% 52.95%
Net Income Q/Q Growth		 -53.44% 49.26% 33.02%
EPS Q/Q Growth		 -53.39% 50.00% 37.50%
Operating Cash Flow Q/Q Growth		 0.16% 70.99% 234.82%
Free Cash Flow Firm Q/Q Growth		 1.71% -97.45% 181.97%
Invested Capital Q/Q Growth		 -8.29% -3.88% -5.21%
Profitability Metrics		 - - -
EBITDA Margin		 -49.89% -3.52% 0.17%
EBIT Margin		 -54.08% -7.48% -2.36%
Profit (Net Income) Margin		 -41.29% -6.35% -2.78%
Tax Burden Percent		 76.32% 84.67% 117.41%
Interest Burden Percent		 100.05% 100.18% 100.22%
Effective Tax Rate		 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -23.80% -4.38% -1.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 -27.81% -5.78% -3.81%
Return on Net Nonoperating Assets (RNNOA)		 -32.44% -11.48% -8.37%
Return on Equity (ROE)		 -56.23% -15.86% -10.28%
Cash Return on Invested Capital (CROIC)		 -20.42% 0.02% 1.56%
Operating Return on Assets (OROA)		 -28.71% -5.50% -2.40%
Return on Assets (ROA)		 -21.92% -4.67% -2.83%
Return on Common Equity (ROCE)		 -56.23% -15.86% -10.28%
Return on Equity Simple (ROE_SIMPLE)		 -76.07% -16.87% -10.77%
Net Operating Profit after Tax (NOPAT)		 -273 -48 -20
NOPAT Margin		 -37.85% -5.24% -1.65%
Net Nonoperating Expense Percent (NNEP)		 4.02% 1.39% 1.90%
SG&A Expenses to Revenue		 70.62% 35.49% 31.95%
Operating Expenses to Revenue		 154.08% 107.48% 102.36%
Earnings before Interest and Taxes (EBIT)		 -390 -69 -29
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -359 -32 2.14
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.04 0.94 1.47
Price to Tangible Book Value (P/TBV)		 1.23 1.06 1.68
Price to Revenue (P/Rev)		 0.57 0.35 0.38
Price to Earnings (P/E)		 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.89 0.90 1.10
Enterprise Value to Revenue (EV/Rev)		 1.39 1.06 0.94
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 537.08
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 75.40
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 5,469.84 69.63
Leverage & Solvency		 - - -
Debt to Equity		 1.88 2.11 2.29
Long-Term Debt to Equity		 1.79 1.92 2.01
Financial Leverage		 1.17 1.99 2.19
Leverage Ratio		 2.56 3.40 3.64
Compound Leverage Factor		 2.57 3.41 3.64
Debt to Total Capital		 65.29% 67.82% 69.58%
Short-Term Debt to Total Capital		 3.30% 6.18% 8.37%
Long-Term Debt to Total Capital		 61.99% 61.64% 61.21%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.71% 32.18% 30.42%
Debt to EBITDA		 -2.05 -22.52 338.77
Net Debt to EBITDA		 -1.65 -19.96 318.81
Long-Term Debt to EBITDA		 -1.94 -20.47 298.03
Debt to NOPAT		 -2.70 -15.13 -35.69
Net Debt to NOPAT		 -2.18 -13.41 -33.59
Long-Term Debt to NOPAT		 -2.56 -13.76 -31.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -234 0.18 16
Operating Cash Flow to CapEx		 -1,364.28% -212.35% 133.50%
Free Cash Flow to Firm to Interest Expense		 -5.37 0.00 0.18
Operating Cash Flow to Interest Expense		 -7.76 -0.24 0.16
Operating Cash Flow Less CapEx to Interest Expense		 -8.33 -0.35 0.04
Efficiency Ratios		 - - -
Asset Turnover		 0.53 0.74 1.02
Fixed Asset Turnover		 0.00 0.00 0.00
Capital & Investment Metrics		 - - -
Invested Capital		 1,127 1,078 1,041
Invested Capital Turnover		 0.63 0.84 1.16
Increase / (Decrease) in Invested Capital		 -39 -48 -37
Enterprise Value (EV)		 1,002 973 1,149
Market Capitalization		 408 325 467
Book Value per Share		 $2.38 $2.08 $1.87
Tangible Book Value per Share		 $2.01 $1.85 $1.64
Total Capital		 1,127 1,078 1,041
Total Debt		 736 731 725
Total Long-Term Debt		 698 665 637
Net Debt		 595 648 682
Capital Expenditures (CapEx)		 25 9.13 11
Net Nonoperating Expense (NNE)		 25 10 14
Net Nonoperating Obligations (NNO)		 736 731 725
Total Depreciation and Amortization (D&A)		 30 37 31
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 ($1.81) ($0.35) ($0.20)
Adjusted Weighted Average Basic Shares Outstanding		 164.04M 166.14M 168.52M
Adjusted Diluted Earnings per Share		 ($1.81) ($0.35) ($0.20)
Adjusted Weighted Average Diluted Shares Outstanding		 164.04M 166.14M 168.52M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 164.45M 167.69M 171.44M
Normalized Net Operating Profit after Tax (NOPAT)		 -242 -48 -20
Normalized NOPAT Margin		 -33.52% -5.24% -1.65%
Pre Tax Income Margin		 -54.11% -7.50% -2.37%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -8.94 -0.86 -0.31
NOPAT to Interest Expense		 -6.26 -0.60 -0.22
EBIT Less CapEx to Interest Expense		 -9.51 -0.97 -0.43
NOPAT Less CapEx to Interest Expense		 -6.82 -0.71 -0.34
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for SelectQuote

This table displays calculated financial ratios and metrics derived from SelectQuote's official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -27.16% -1.22% 62.34% 6.15% 57.41% 45.00% 27.80% 26.51% 41.86% 27.40% 20.03%
EBITDA Growth		 -1,787.36% 18.75% 123.58% 1,220.78% 60.83% 24.05% -7.14% -22.49% 64.46% 21.72% 39.13%
EBIT Growth		 -8,618.95% 13.23% 117.36% 225.78% 56.18% 21.90% -3.47% -29.77% 56.77% 20.10% 52.92%
NOPAT Growth		 -251,826.92% 13.23% 117.50% 234.07% 56.20% 21.90% -14.06% -7.70% 56.76% 20.10% 227.71%
Net Income Growth		 -9,692.70% 11.92% 116.37% 231.87% 54.30% 26.91% -13.87% -7.70% 35.16% -43.46% 174.53%
EPS Growth		 -6,300.00% 10.34% 116.67% 250.00% 54.69% 26.92% -21.43% -16.67% 41.38% -36.84% 172.73%
Operating Cash Flow Growth		 1.00% 45.83% 87.01% 193.46% 87.87% 49.82% 9.98% -29.10% 405.64% 29.83% -12.23%
Free Cash Flow Firm Growth		 81.42% 105.55% 141.37% 282.11% 115.71% -133.68% -79.03% -72.82% 133.39% 426.68% -22.72%
Invested Capital Growth		 -3.32% -4.96% -11.13% -8.70% -4.30% -2.33% -1.30% -2.05% -3.41% -4.10% 3.43%
Revenue Q/Q Growth		 -51.52% 14.68% 104.56% -6.66% -28.11% 5.64% 80.30% -7.60% -19.39% -5.13% 69.87%
EBITDA Q/Q Growth		 -6,202.72% 61.19% 187.01% -47.34% -320.26% 24.74% 206.38% -56.05% -201.01% -65.74% 289.08%
EBIT Q/Q Growth		 -1,225.61% 57.13% 157.03% -61.19% -561.78% 23.58% 170.48% -71.76% -384.27% -41.23% 234.88%
NOPAT Q/Q Growth		 -1,227.14% 57.18% 157.46% -58.94% -533.61% 23.65% 163.23% -55.90% -303.14% -41.08% 359.33%
Net Income Q/Q Growth		 -1,390.16% 59.42% 152.99% -58.85% -616.39% 35.09% 162.45% -55.90% -462.73% -43.62% 219.51%
EPS Q/Q Growth		 -1,500.00% 59.38% 153.85% -57.14% -583.33% 34.48% 157.89% -54.55% -440.00% -52.94% 215.38%
Operating Cash Flow Q/Q Growth		 -352.36% 12.57% 39.78% 320.88% -110.43% -261.83% -8.01% 273.97% -55.05% -183.07% -72.75%
Free Cash Flow Firm Q/Q Growth		 16.95% 131.72% 859.15% -27.92% -92.83% -167.98% 697.25% -6.60% -38.46% -4.84% 41.28%
Invested Capital Q/Q Growth		 -8.29% -4.70% 3.09% 1.33% -3.88% -2.73% 4.18% 0.56% -5.21% -3.43% 12.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -96.65% -32.71% 13.91% 7.85% -24.05% -17.13% 10.11% 4.81% -6.03% -10.53% 11.72%
EBIT Margin		 -102.95% -38.49% 10.73% 4.46% -28.66% -20.73% 8.10% 2.48% -8.73% -13.00% 10.32%
Profit (Net Income) Margin		 -82.37% -29.15% 7.55% 3.33% -23.91% -14.69% 5.09% 2.43% -10.93% -16.55% 11.64%
Tax Burden Percent		 79.91% 75.74% 70.53% 74.61% 83.36% 70.81% 62.80% 98.06% 124.99% 127.20% 134.58%
Interest Burden Percent		 100.12% 100.00% 99.78% 100.00% 100.09% 100.09% 100.00% 100.00% 100.11% 100.03% 83.77%
Effective Tax Rate		 0.00% 0.00% 29.47% 25.39% 0.00% 0.00% 37.20% 1.94% 0.00% 0.00% -34.58%
Return on Invested Capital (ROIC)		 -45.36% -17.57% 5.36% 2.41% -16.80% -13.51% 4.95% 2.50% -7.09% -11.40% 17.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 -47.46% -18.10% 5.35% 2.41% -17.84% -13.56% 4.95% 2.50% -8.97% -14.13% 15.71%
Return on Net Nonoperating Assets (RNNOA)		 -55.35% -22.17% 9.05% 3.96% -35.46% -29.18% 10.22% 5.03% -19.67% -35.38% 37.00%
Return on Equity (ROE)		 -100.70% -39.74% 14.41% 6.37% -52.26% -42.69% 15.17% 7.53% -26.76% -46.78% 54.04%
Cash Return on Invested Capital (CROIC)		 -20.42% -19.13% 1.96% 0.59% 0.02% -1.40% -2.38% -1.81% 1.56% 2.81% -3.61%
Operating Return on Assets (OROA)		 -54.66% -20.96% 6.52% 2.78% -21.07% -16.93% 6.85% 2.24% -8.89% -14.44% 11.19%
Return on Assets (ROA)		 -43.73% -15.88% 4.59% 2.08% -17.58% -12.00% 4.30% 2.19% -11.13% -18.37% 12.61%
Return on Common Equity (ROCE)		 -100.70% -39.74% 14.41% 6.37% -52.26% -42.69% 15.17% 7.53% -26.76% -46.78% 54.04%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -81.79% -34.49% -29.48% 0.00% -14.87% -14.93% -14.69% 0.00% -17.67% -4.23%
Net Operating Profit after Tax (NOPAT)		 -92 -39 23 9.26 -40 -31 19 8.55 -17 -25 64
NOPAT Margin		 -72.15% -26.94% 7.57% 3.33% -20.08% -14.51% 5.09% 2.43% -6.12% -9.10% 13.90%
Net Nonoperating Expense Percent (NNEP)		 2.10% 0.53% 0.01% 0.00% 1.05% 0.05% 0.00% 0.00% 1.87% 2.73% 1.32%
SG&A Expenses to Revenue		 63.84% 43.76% 32.26% 34.73% 35.33% 33.10% 32.84% 33.48% 27.98% 27.05% 23.56%
Operating Expenses to Revenue		 202.95% 138.49% 89.27% 95.54% 128.66% 120.73% 91.90% 97.52% 108.73% 113.00% 89.68%
Earnings before Interest and Taxes (EBIT)		 -131 -56 32 12 -57 -44 31 8.72 -25 -35 47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -123 -48 41 22 -48 -36 39 17 -17 -28 54
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 0.34 0.29 0.92 0.94 0.62 0.68 0.97 1.47 1.38 1.96
Price to Tangible Book Value (P/TBV)		 1.23 0.40 0.35 1.08 1.06 0.71 0.77 1.09 1.68 1.61 2.21
Price to Revenue (P/Rev)		 0.57 0.17 0.13 0.43 0.35 0.20 0.21 0.30 0.38 0.29 0.47
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.89 0.71 0.72 0.89 0.90 0.84 0.89 0.96 1.10 1.09 1.27
Enterprise Value to Revenue (EV/Rev)		 1.39 1.07 0.96 1.18 1.06 0.89 0.91 0.92 0.94 0.85 1.05
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 537.08 109.74 57.02
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 213.42 140.13 0.00 75.40 49.24 74.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 34.73 143.44 5,469.84 0.00 0.00 0.00 69.63 38.05 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.88 2.01 1.90 1.87 2.11 2.31 2.25 2.17 2.29 2.73 2.47
Long-Term Debt to Equity		 1.79 1.89 1.76 1.70 1.92 2.09 1.93 1.87 2.01 2.36 2.10
Financial Leverage		 1.17 1.22 1.69 1.65 1.99 2.15 2.06 2.01 2.19 2.50 2.35
Leverage Ratio		 2.56 2.66 3.14 3.07 3.40 3.59 3.53 3.43 3.64 3.95 3.80
Compound Leverage Factor		 2.57 2.66 3.13 3.07 3.40 3.60 3.53 3.43 3.64 3.95 3.18
Debt to Total Capital		 65.29% 66.78% 65.51% 65.10% 67.82% 69.80% 69.20% 68.43% 69.58% 73.21% 71.15%
Short-Term Debt to Total Capital		 3.30% 4.12% 4.98% 5.61% 6.18% 6.75% 9.64% 9.42% 8.37% 9.86% 10.59%
Long-Term Debt to Total Capital		 61.99% 62.67% 60.54% 59.49% 61.64% 63.05% 59.56% 59.01% 61.21% 63.35% 60.56%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 34.71% 33.22% 34.49% 34.90% 32.18% 30.20% 30.80% 31.57% 30.42% 26.79% 28.85%
Debt to EBITDA		 -2.05 -2.06 -5.54 -6.81 -22.52 -34.86 -31.56 -26.04 338.77 73.59 32.06
Net Debt to EBITDA		 -1.65 -1.85 -5.26 -5.95 -19.96 -32.55 -31.10 -24.73 318.81 72.55 31.58
Long-Term Debt to EBITDA		 -1.94 -1.93 -5.12 -6.23 -20.47 -31.49 -27.16 -22.45 298.03 63.68 27.29
Debt to NOPAT		 -2.70 -2.69 -6.28 -7.31 -15.13 -18.38 -18.64 -17.43 -35.69 -52.08 -297.79
Net Debt to NOPAT		 -2.18 -2.42 -5.96 -6.39 -13.41 -17.16 -18.37 -16.55 -33.59 -51.34 -293.31
Long-Term Debt to NOPAT		 -2.56 -2.52 -5.80 -6.68 -13.76 -16.60 -16.05 -15.03 -31.40 -45.07 -253.45
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -53 17 161 116 8.32 -5.66 34 32 19 18 26
Operating Cash Flow to CapEx		 -19,064.31% -15,828.86% -9,468.00% 13,698.47% -81.08% -6,520.94% -1,768.19% 4,228.14% 233.81% -3,757.92% -9,596.66%
Free Cash Flow to Firm to Interest Expense		 -4.31 1.00 7.66 5.50 0.38 -0.26 1.38 1.30 0.83 0.80 1.10
Operating Cash Flow to Interest Expense		 -4.39 -2.82 -1.35 2.97 -0.30 -1.11 -1.05 1.83 0.85 -0.72 -1.21
Operating Cash Flow Less CapEx to Interest Expense		 -4.41 -2.84 -1.36 2.95 -0.67 -1.12 -1.11 1.79 0.49 -0.74 -1.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.53 0.54 0.61 0.62 0.74 0.82 0.85 0.90 1.02 1.11 1.08
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,127 1,074 1,107 1,122 1,078 1,049 1,093 1,099 1,041 1,006 1,130
Invested Capital Turnover		 0.63 0.65 0.71 0.72 0.84 0.93 0.97 1.03 1.16 1.25 1.23
Increase / (Decrease) in Invested Capital		 -39 -56 -139 -107 -48 -25 -14 -23 -37 -43 37
Enterprise Value (EV)		 1,002 766 801 1,000 973 880 975 1,052 1,149 1,098 1,430
Market Capitalization		 408 120 112 361 325 196 230 338 467 372 638
Book Value per Share		 $2.38 $2.17 $2.29 $2.35 $2.08 $1.89 $2.01 $2.05 $1.87 $1.57 $1.90
Tangible Book Value per Share		 $2.01 $1.81 $1.95 $2.01 $1.85 $1.66 $1.78 $1.83 $1.64 $1.35 $1.68
Total Capital		 1,127 1,074 1,107 1,122 1,078 1,049 1,093 1,099 1,041 1,006 1,130
Total Debt		 736 717 725 730 731 732 756 752 725 736 804
Total Long-Term Debt		 698 673 670 667 665 661 651 648 637 637 684
Net Debt		 595 646 689 638 648 684 745 714 682 726 792
Capital Expenditures (CapEx)		 0.28 0.30 0.30 0.46 8.07 0.36 1.45 1.05 8.55 0.44 0.30
Net Nonoperating Expense (NNE)		 13 3.22 0.05 0.00 7.67 0.38 0.00 0.00 14 20 10
Net Nonoperating Obligations (NNO)		 736 717 725 730 731 732 756 752 725 736 804
Total Depreciation and Amortization (D&A)		 8.01 8.41 9.50 9.43 9.22 7.60 7.64 8.21 7.69 6.66 6.38
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.64) ($0.26) $0.14 $0.06 ($0.29) ($0.19) $0.12 $0.05 ($0.18) ($0.26) $0.31
Adjusted Weighted Average Basic Shares Outstanding		 164.04M 164.82M 166.49M 166.54M 166.14M 167.45M 168.35M 169.07M 168.52M 170.43M 171.80M
Adjusted Diluted Earnings per Share		 ($0.64) ($0.26) $0.14 $0.06 ($0.29) ($0.19) $0.11 $0.05 ($0.17) ($0.26) $0.30
Adjusted Weighted Average Diluted Shares Outstanding		 164.04M 164.82M 166.55M 167.91M 166.14M 167.45M 169.74M 170.96M 168.52M 170.43M 175.10M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 164.45M 166.46M 166.51M 166.66M 167.69M 167.73M 168.99M 169.16M 171.44M 171.50M 172.14M
Normalized Net Operating Profit after Tax (NOPAT)		 -92 -39 23 9.42 -40 -31 19 8.56 -17 -25 33
Normalized NOPAT Margin		 -72.15% -27.02% 7.57% 3.38% -20.08% -14.51% 5.09% 2.43% -6.12% -9.10% 7.23%
Pre Tax Income Margin		 -103.07% -38.49% 10.71% 4.46% -28.68% -20.75% 8.10% 2.48% -8.74% -13.01% 8.65%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -10.64 -3.35 1.52 0.59 -2.64 -2.05 1.26 0.36 -1.06 -1.52 1.99
NOPAT to Interest Expense		 -7.46 -2.35 1.07 0.44 -1.85 -1.43 0.79 0.35 -0.74 -1.06 2.68
EBIT Less CapEx to Interest Expense		 -10.67 -3.37 1.51 0.57 -3.01 -2.06 1.21 0.32 -1.42 -1.54 1.98
NOPAT Less CapEx to Interest Expense		 -7.48 -2.36 1.06 0.42 -2.22 -1.45 0.74 0.31 -1.11 -1.08 2.67
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Key Financial Trends

SelectQuote (NYSE:SLQT) has demonstrated mixed financial performance over the last several quarters, with clear areas of strength and notable challenges. Here's a summary of the key financial trends and metrics across income statements, cash flow statements, and balance sheets from Q3 2022 through Q2 2025:

  • Revenue Growth: Total revenue increased significantly from about $127 million in Q4 2022 to $457 million in Q2 2025, driven primarily by strong non-interest income, particularly net realized and unrealized capital gains and other non-interest income.
  • Non-Interest Income Strength: Non-interest income surged, with figures reaching $481 million in Q2 2025 compared to $139 million in Q4 2022, showing enhanced revenue diversification beyond interest expenses.
  • Net Income Rebound: After consecutive quarters of net losses from Q4 2022 through Q1 2025, Q2 2025 showed a positive turnaround with net income of approximately $53.2 million, representing improved profitability.
  • Operating Cash Flow Improvement: Operating cash flow, while negative in Q2 2025 (-$28.7 million), improved from more severe reductions in prior quarters, indicating better cash generation trends from core operations compared to large negative values in previous quarters.
  • Equity Growth: Total common equity rose from approximately $316 million in Q1 2023 to $326 million in Q2 2025, demonstrating a modest increase in shareholders' equity despite profitability fluctuations.
  • Interest Expenses Constantly High: The company reported zero interest income and consistently high interest expenses on long-term debt (around $21 million to $24 million per quarter), resulting in substantial net interest expense each quarter, negatively impacting earnings.
  • Debt Levels Rising: Long-term debt has increased from roughly $661 million in Q1 2023 to $684 million in Q2 2025. While manageable, the rising debt signifies ongoing leverage that investors should monitor.
  • Marketing and Operating Expenses High: Marketing expenses have increased significantly, reaching nearly $98 million in Q2 2025 from about $57 million in Q1 2023, alongside other operating expenses growing, pressuring operating margins.
  • Cash Position Stable but Not Growing: Cash and equivalents declined sharply from $71 million in Q1 2023 to roughly $12 million in Q2 2025, reflecting ongoing investment and debt repayments but potentially limited liquidity expansion.
  • Earlier Periods of Significant Net Losses: From Q4 2022 through Q1 2025, SelectQuote posted persistent net losses, with a peak loss of approximately $104.7 million in Q4 2022, highlighting challenges in earlier business phases.
  • Negative Operating Cash Flow: Operating activities generated negative cash flow in multiple quarters, including the latest Q2 2025 (-$28.7 million), suggesting operational cash generation issues affecting liquidity.

Overall Assessment: SelectQuote’s financial story over the past few years reveals a company transitioning from losses toward profitability, driven mainly by growth in non-interest revenue streams. However, substantial interest expenses and high operating costs have constrained earnings. The notable Q2 2025 net income improvement is encouraging, but continued vigilance on cost management, debt levels, and cash flow is essential. Investors may view recent trends positively but should consider the company's history of volatility and financial leverage risks.

08/30/25 06:37 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About SelectQuote's Financials

When does SelectQuote's financial year end?

According to the most recent income statement we have on file, SelectQuote's fiscal year ends in June. Their fiscal year 2024 ended on June 30, 2024.

How has SelectQuote's net income changed over the last 2 years?

SelectQuote's net income appears to be on a downward trend, with a most recent value of -$34.13 million in 2024, falling from -$297.50 million in 2022. The previous period was -$58.54 million in 2023. Check out SelectQuote's forecast to explore projected trends and price targets.

How has SelectQuote's revenue changed over the last 2 years?

Over the last 2 years, SelectQuote's total revenue changed from $720.45 million in 2022 to $1.23 billion in 2024, a change of 70.5%.

How much debt does SelectQuote have?

SelectQuote's total liabilities were at $877.11 million at the end of 2024, a 0.6% increase from 2023, and a 2.4% decrease since 2022.

How much cash does SelectQuote have?

In the past 2 years, SelectQuote's cash and equivalents has ranged from $42.69 million in 2024 to $141.00 million in 2022, and is currently $42.69 million as of their latest financial filing in 2024.

How has SelectQuote's book value per share changed over the last 2 years?

Over the last 2 years, SelectQuote's book value per share changed from 2.38 in 2022 to 1.87 in 2024, a change of -21.3%.


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This page (NYSE:SLQT) was last updated on 8/30/2025 by MarketBeat.com Staff
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